Jaguar XK Insurance Rates

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UPDATED: May 27, 2024

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The average auto insurance rates for a Jaguar XK are $1,278 annually including full coverage. Comprehensive insurance costs an estimated $254, collision insurance costs $392, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, and high-risk coverage costs $2,756 or more. Teens cost the most to insure at up to $4,902 a year.

Average premium for full coverage: $1,278

Policy rates broken down by type of insurance:

Comprehensive $254
Collision $392
Liability $474

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different XK trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Jaguar XK insurance rates range from as cheap as $522 for the bare minimum liability coverage to a much higher rate of $2,756 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,278
High Risk $2,756

Urban vs. Rural Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on 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.

Additional Rate Information

The chart below breaks down average Jaguar XK insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $750
  • Using higher $1,000 deductibles will save approximately $146 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,278
  • Selecting more expensive low deductibles for physical damage coverage costs an additional $282 a year
  • Drivers with serious driving violations could pay up to $2,756
  • Policy cost with full coverage for a teen driver with full coverage can cost as much as $4,902 or more

View Chart as Image

Jaguar XK insurance cost comparison chart
Column chart showing Jaguar XK insurance prices range from $750 to $4,902 for full coverage

Insurance rates for a Jaguar XK also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Jaguar XK insurance rates. A driver around age 40 might see rates as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,820 on average in Louisiana, New York, and Michigan.

Jaguar XK Insurance Rates by State
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%

View Chart as Image

Jaguar XK insurance rates by U.S. city

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 $1,178 $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.

Jaguar XK Insurance Rates by Model Year
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 the Cheapest Jaguar XK Insurance

Finding cheaper rates on Jaguar XK insurance requires being a good driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a recap of the data that was raised in the charts and tables above.

  • You may be able to save approximately $150 per year just by shopping early and online
  • Drivers who want an increased level of liability coverage will pay approximately $520 per year to increase from a 30/60 limit to higher 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, with premiums being up to $409 each month if they have full coverage
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,480 more annually than a safer driver

Rates by Driver Age

Jaguar XK Insurance 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

Jaguar XK Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,432
$500 $1,278
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XK Insurance Rates with Different Liability Limits
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

Jaguar XK Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $750

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

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