Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year for full coverage insurance. Comprehensive insurance costs an estimated $254, collision costs $392, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing $2,756 or more. Teenage drivers cost the most to insure at $4,902 a year or more.

Average premium for full coverage: $1,278

Policy rates broken down by type of insurance:

Prices include $500 deductible amounts, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated Jaguar XK insurance rates for other coverage scenarios.

• The best discount rate is $750
• Drivers who choose higher $1,000 deductibles will pay approximately $146 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,278
• Using more expensive low deductibles for comprehensive and collision insurance will cost an extra $282 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,756 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,902 a year

View Chart as Image

Insurance rates for a Jaguar XK also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Jaguar XK insurance rates. A 40-year-old driver could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,730 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $430 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Right Jaguar XK Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also maintaining good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick rundown of the car insurance concepts covered above.

• Drivers with reckless driving or DUI convictions pay on average $1,480 more annually to buy Jaguar XK insurance
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $425 each year
• Consumers who want increased levels of liability coverage will pay an extra $520 annually to go from a 30/60 limit to 250/500 limits