Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year for full coverage. Comprehensive insurance costs an estimated $254, collision costs $392, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,756 or more. 16-year-old 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 are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all XK models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The example below illustrates the effect of geographic area on insurance prices.

The examples above show why everyone should compare rates for a targeted area and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $750
• Drivers who choose higher $1,000 deductibles will pay approximately $146 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,278
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $282 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,756 or more
• Policy cost for full coverage for a teen driver for 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 trim level of your XK, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $4,900 a year. View Rates by Age

Your home state makes a big difference in Jaguar XK insurance prices. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or at least $1,820 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $430 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,500 to $2,100 additional every year, depending on your age. Jaguar XK insurance for high-risk drivers can cost as much as 43% to 131% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every company utilizes a different rate formula, and 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 Affordable Jaguar XK Insurance

Finding cheaper rates on car insurance not only requires being a good driver, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,480 more annually than a safer driver
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $425 each year
• Policyholders who want an increased level of liability coverage will pay around $520 each year to go from a 30/60 limit to 250/500 limits