Jaguar XK Insurance Rates

The average insurance prices for a Jaguar XK are $1,278 every 12 months for full coverage insurance. Comprehensive insurance costs on average $254, collision insurance costs $392, and liability is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,756 or more. Teenage drivers cost the most to insure at up to $4,902 a year.

Average premium for full coverage: $1,278

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all XK models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates how location helps determine car insurance rates.

The examples above illustrate why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates average Jaguar XK insurance rates for different risk profiles and scenarios.

• The best discount rate is $750
• Choosing higher $1,000 deductibles can save around $146 each year
• The average price for a good driver age 40 with $500 deductibles is $1,278
• Using pricier low deductibles for comp and collision coverage costs an extra $282 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,756
• Policy cost to insure a 16-year-old driver for full coverage may cost $4,902 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $430 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,100 additional every year, depending on your age. Jaguar XK insurance for high-risk drivers ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Jaguar XK insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for More Affordable Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK takes being a low-risk driver, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.

The items below are a summary of the information covered in the charts and tables above.

• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date
• Teen drivers pay higher rates, possibly costing $409 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $425 each year
• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,480 more each year to insure their XK
• Insureds who require more liability coverage will pay an extra $520 annually to raise limits from a 30/60 limit to a 250/500 level