Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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U.S. average auto insurance rates for a Jaguar XK are $1,334 annually including full coverage. Comprehensive costs around $270 each year, collision costs $432, and liability coverage costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,880. Teens pay the highest rates at $5,080 a year or more.

Average premium for full coverage: $1,334

Price estimates for individual coverage:

Comprehensive $270
Collision $432
Liability $474

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and XK models.

Price Range from Low to High

Using a middle-aged driver as an example, Jaguar XK insurance prices go from as cheap as $522 for just liability coverage to a high rate of $2,880 for coverage for higher-risk drivers.

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

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects auto insurance rates.

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

The ranges above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than using averaged prices.

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.

Detailed Rate Analysis

The chart below breaks down estimated Jaguar XK insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $777
  • Using higher $1,000 deductibles will save about $160 every year
  • The estimated rate for the average middle-age driver using $500 deductibles is $1,334
  • Selecting low deductibles for physical damage coverage will cost $1,640
  • Higher-risk drivers with serious driving violations could pay at least $2,880 or more
  • The price with full coverage for a teenage driver can be $5,080 or more

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

Auto insurance prices for a Jaguar XK are also quite variable based on the trim level and model year, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can be around 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Jaguar XK insurance rates. A driver around age 40 might see prices as low as $1,020 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,900 on average in Michigan, New York, and Louisiana.

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 best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different between companies.

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 Buy More Affordable Jaguar XK Insurance

Getting lower rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the primary concepts that were touched on in the above illustrations.

  • You may be able to save up to $160 per year simply by quoting online in advance
  • Drivers who have multiple accidents or major violations may pay on average $1,550 more every year than a driver with a clean driving record
  • Increasing physical damage deductibles could save up to $475 each year
  • 16 to 18-year-old drivers are expensive to insure, possibly costing $423 a month if full coverage is included

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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