Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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U.S. average insurance rates for a Jaguar XK are $1,334 a year for full coverage. Comprehensive costs an estimated $270, collision costs $432, and liability coverage costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage 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 broken down by individual coverage:

Comprehensive $270
Collision $432
Liability $474

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different XK trim levels.

Price Range from Low to High

For the average 40-year-old driver, Jaguar XK insurance prices go from the low end price of $522 for basic liability insurance to a much higher rate of $2,880 for a high-risk driver policy.

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

Geographic Price Range

Your location has a large influence on insurance rates. More rural locations have lower incidents of accident claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare rates for a targeted area, rather than using 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.

Rate Comparisons

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

  • The best full coverage rate is $777
  • Drivers who choose higher $1,000 deductibles will pay approximately $160 a year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,334
  • Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,640
  • High-risk insureds with multiple tickets or accidents could pay up to $2,880 or more
  • The price that insures a teenage driver with full coverage can cost as much as $5,080 a 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 the model year and trim level, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost around 43% to 134% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

The state you live in makes a big difference in Jaguar XK insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or at least $1,900 on average in New York, Louisiana, and Michigan.

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

Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Every company utilizes a different rate formula, so the 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 Find Cheaper Jaguar XK Insurance

Getting lower rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a condensed summary of the information touched on in this article.

  • Drivers can save approximately $160 per year simply by shopping early and online
  • Teen drivers are charged the highest prices, with premiums as much as $423 a month if full coverage is included
  • Increasing physical damage deductibles can save approximately $475 each year
  • Drivers with multiple at-fault accidents may pay on average $1,550 more annually to insure their XK
  • Consumers who want more liability coverage will pay around $520 each year to go from a low limit to the 250/500 level

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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