Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year for full coverage. Comprehensive costs around $254 a year, collision costs $392, and liability coverage is $474. Liability-only insurance costs around $522 a year, with high-risk driver insurance costing around $2,756. Teens cost the most to insure at $4,902 a year or more.

Average premium for full coverage: $1,278

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and XK trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above show why it is important to compare rates quotes for a specific zip code, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $750
• Raising to $1,000 deductibles will save about $1,132 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,278
• Selecting low $100 deductibles bumps up the cost to $1,560
• Unlucky drivers with serious driving violations could pay at least $2,756 or more
• Policy cost that insures a teenage driver can be $4,902

View Chart as Image

Auto insurance rates for a Jaguar XK also range considerably based on the trim level of your XK, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,500 to $2,100 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 131% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $4,900 a year. View Rates by Age

Your home state also has a big influence on Jaguar XK insurance rates. A middle-age driver might find rates as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates will be varied.

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 Find Cheap Jaguar XK Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates once a year by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the data that was presented in the illustrations above.

• Drivers can save up to $150 per year simply by quoting early and online
• Consumers who may need higher liability limits will pay approximately $520 each year to raise from a 30/60 limit to the 250/500 level
• Teenagers are expensive to insure, costing up to $409 each month if the policy includes full coverage
• Drivers that tend to have accidents or serious violations pay on average $1,480 more every year for car insurance