Jaguar XK Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 27, 2024
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Estimated auto insurance rates for a Jaguar XK are $1,278 annually for full coverage insurance. Comprehensive costs approximately $254, collision costs $392, and liability insurance is estimated at $474. Liability-only coverage costs approximately $522 a year, with high-risk coverage costing around $2,756. 16-year-old drivers pay the most at $4,902 a year or more.
Average premium for full coverage: $1,278
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all XK models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Jaguar XK go from as cheap as $522 for liability-only coverage to the much higher price of $2,756 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below illustrates estimated Jaguar XK insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $750
- Choosing higher $1,000 deductibles can save $146 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,278
- Buying pricier low deductibles for comp and collision coverage will cost $1,560
- High-risk insureds with multiple tickets or accidents could pay around $2,756 or more
- An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,902 each year
Insurance prices for a Jaguar XK also have a wide range based on the model of your XK, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Jaguar XK insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $430 each year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Jaguar XK insurance rates. A good driver about age 40 could pay as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,156 | -$122 | -9.5% |
| Alaska | $980 | -$298 | -23.3% |
| Arizona | $1,060 | -$218 | -17.1% |
| Arkansas | $1,278 | -$0 | 0.0% |
| California | $1,456 | $178 | 13.9% |
| Colorado | $1,222 | -$56 | -4.4% |
| Connecticut | $1,314 | $36 | 2.8% |
| Delaware | $1,446 | $168 | 13.1% |
| Florida | $1,600 | $322 | 25.2% |
| Georgia | $1,180 | -$98 | -7.7% |
| Hawaii | $916 | -$362 | -28.3% |
| Idaho | $864 | -$414 | -32.4% |
| Illinois | $952 | -$326 | -25.5% |
| Indiana | $962 | -$316 | -24.7% |
| Iowa | $862 | -$416 | -32.6% |
| Kansas | $1,216 | -$62 | -4.9% |
| Kentucky | $1,744 | $466 | 36.5% |
| Louisiana | $1,892 | $614 | 48.0% |
| Maine | $790 | -$488 | -38.2% |
| Maryland | $1,052 | -$226 | -17.7% |
| Massachusetts | $1,022 | -$256 | -20.0% |
| Michigan | $2,220 | $942 | 73.7% |
| Minnesota | $1,070 | -$208 | -16.3% |
| Mississippi | $1,530 | $252 | 19.7% |
| Missouri | $1,134 | -$144 | -11.3% |
| Montana | $1,372 | $94 | 7.4% |
| Nebraska | $1,006 | -$272 | -21.3% |
| Nevada | $1,534 | $256 | 20.0% |
| New Hampshire | $920 | -$358 | -28.0% |
| New Jersey | $1,428 | $150 | 11.7% |
| New Mexico | $1,132 | -$146 | -11.4% |
| New York | $1,346 | $68 | 5.3% |
| North Carolina | $736 | -$542 | -42.4% |
| North Dakota | $1,046 | -$232 | -18.2% |
| Ohio | $882 | -$396 | -31.0% |
| Oklahoma | $1,314 | $36 | 2.8% |
| Oregon | $1,170 | -$108 | -8.5% |
| Pennsylvania | $1,220 | -$58 | -4.5% |
| Rhode Island | $1,704 | $426 | 33.3% |
| South Carolina | $1,156 | -$122 | -9.5% |
| South Dakota | $1,078 | -$200 | -15.6% |
| Tennessee | $1,118 | -$160 | -12.5% |
| Texas | $1,540 | $262 | 20.5% |
| Utah | $946 | -$332 | -26.0% |
| Vermont | $876 | -$402 | -31.5% |
| Virginia | $764 | -$514 | -40.2% |
| Washington | $988 | -$290 | -22.7% |
| West Virginia | $1,170 | -$108 | -8.5% |
| Wisconsin | $884 | -$394 | -30.8% |
| Wyoming | $1,138 | -$140 | -11.0% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XK Portfolio 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK 2-Dr Coupe | $1,178 | $98 |
| Jaguar XK Portfolio 2-Dr Convertible | $1,274 | $106 |
| Jaguar XK 2-Dr Convertible | $1,274 | $106 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Jaguar XK | $322 | $560 | $474 | $1,514 |
| 2014 Jaguar XK | $298 | $520 | $474 | $1,450 |
| 2013 Jaguar XK | $290 | $472 | $478 | $1,398 |
| 2012 Jaguar XK | $270 | $432 | $474 | $1,334 |
| 2011 Jaguar XK | $254 | $392 | $474 | $1,278 |
| 2010 Jaguar XK | $246 | $352 | $468 | $1,224 |
Rates are averaged for all Jaguar XK models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Jaguar XK Insurance
Finding better rates on Jaguar XK insurance takes being a good driver, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting quotes from direct insurance companies, and also from insurance agencies where you live.
The following list is a summary of the material that was covered in the above illustrations.
- Drivers who purchase an increased level of liability coverage will pay around $520 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $409 per month including comprehensive and collision insurance
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,480 more per year than a safer driver
- Increasing policy deductibles could save up to $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,902 |
| 20 | $2,924 |
| 30 | $1,320 |
| 40 | $1,278 |
| 50 | $1,168 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,560 |
| $250 | $1,432 |
| $500 | $1,278 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,278 |
| 50/100 | $1,369 |
| 100/300 | $1,487 |
| 250/500 | $1,795 |
| 100 CSL | $1,416 |
| 300 CSL | $1,677 |
| 500 CSL | $1,867 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,960 |
| 20 | $4,662 |
| 30 | $2,802 |
| 40 | $2,756 |
| 50 | $2,632 |
| 60 | $2,606 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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