Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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U.S. average insurance prices for a Jaguar XK are $1,334 every 12 months for full coverage. Comprehensive costs on average $270 a year, collision costs $432, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,880. 16-year-old drivers pay the highest rates at $5,080 a year or more.

Average premium for full coverage: $1,334

Price estimates by individual coverage:

Comprehensive $270
Collision $432
Liability $474

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and XK trim levels.

Price Range from Low to High

For a driver in their 40's, Jaguar XK insurance prices go from the cheapest price of $522 for a discount liability-only rate to a high of $2,880 for a driver who requires high-risk insurance.

Liability Only $522
Full Coverage $1,334
High Risk $2,880

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

The ranges above show why it is important to get quotes based on a specific location and their own driving history, instead of making a decision based 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.

Rates by State, City, and Model

The chart below shows estimated Jaguar XK insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $777
  • Choosing higher $1,000 deductibles can save around $1,174 a year
  • The average price for the average middle-age driver with $500 deductibles is $1,334
  • Buying low $100 deductibles for comp and collision coverage increases the price to $1,640
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,880 or more
  • The price to insure a 16-year-old driver may cost $5,080 each year

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing full coverage Jaguar XK insurance rates range from $777 to $5,080

Insurance prices for a Jaguar XK are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your XK.

Opting for high physical damage deductibles can save as much as $470 annually, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy ranges from 43% to 134% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Jaguar XK insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or at least $1,900 on average in Michigan, Louisiana, and New York.

Jaguar XK Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,206 -$128 -9.6%
Alaska $1,022 -$312 -23.4%
Arizona $1,106 -$228 -17.1%
Arkansas $1,334 -$0 0.0%
California $1,520 $186 13.9%
Colorado $1,274 -$60 -4.5%
Connecticut $1,372 $38 2.8%
Delaware $1,510 $176 13.2%
Florida $1,668 $334 25.0%
Georgia $1,230 -$104 -7.8%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $900 -$434 -32.5%
Kansas $1,268 -$66 -4.9%
Kentucky $1,820 $486 36.4%
Louisiana $1,972 $638 47.8%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,066 -$268 -20.1%
Michigan $2,316 $982 73.6%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,596 $262 19.6%
Missouri $1,182 -$152 -11.4%
Montana $1,432 $98 7.3%
Nebraska $1,052 -$282 -21.1%
Nevada $1,600 $266 19.9%
New Hampshire $958 -$376 -28.2%
New Jersey $1,490 $156 11.7%
New Mexico $1,182 -$152 -11.4%
New York $1,404 $70 5.2%
North Carolina $768 -$566 -42.4%
North Dakota $1,092 -$242 -18.1%
Ohio $920 -$414 -31.0%
Oklahoma $1,370 $36 2.7%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,274 -$60 -4.5%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,126 -$208 -15.6%
Tennessee $1,168 -$166 -12.4%
Texas $1,608 $274 20.5%
Utah $988 -$346 -25.9%
Vermont $912 -$422 -31.6%
Virginia $798 -$536 -40.2%
Washington $1,030 -$304 -22.8%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Jaguar XK insurance rates by U.S. city

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Jaguar XK Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XK Portfolio 2-Dr Coupe $1,234 $103
Jaguar XK 2-Dr Coupe $1,234 $103
Jaguar XK Portfolio 2-Dr Convertible $1,328 $111
Jaguar XK 2-Dr Convertible $1,328 $111

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.

Jaguar XK Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Jaguar XK $330 $598 $464 $1,550
2014 Jaguar XK $322 $560 $474 $1,514
2013 Jaguar XK $298 $520 $474 $1,450
2012 Jaguar XK $290 $472 $478 $1,398
2011 Jaguar XK $270 $432 $474 $1,334
2010 Jaguar XK $254 $392 $474 $1,278

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 Shop for More Affordable Jaguar XK Insurance

Getting lower rates on insurance for a Jaguar XK takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the concepts that were covered in the charts and tables above.

  • Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,550 more each year than a driver with a clean driving record
  • 16 to 18-year-old drivers pay higher prices, with premiums as much as $423 a month if full coverage is included
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $475 each year
  • Drivers can save as much as $160 per year simply by quoting early and online

Rates by Driver Age

Jaguar XK Insurance Rates by Driver Age
Driver Age Premium
16 $5,080
20 $3,056
30 $1,380
40 $1,334
50 $1,218
60 $1,194

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,640
$250 $1,498
$500 $1,334
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,423
100/300 $1,541
250/500 $1,849
100 CSL $1,470
300 CSL $1,731
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XK Insurance Rates for High Risk Drivers
Age Premium
16 $7,224
20 $4,874
30 $2,932
40 $2,880
50 $2,750
60 $2,722

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.

SR-22 Surcharge $184

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $71
Homeowner $21
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $94
Total Discounts $557
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

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