Jaguar XK Insurance Rates

The average insurance rates for a Jaguar XK are $1,278 a year including full coverage. Comprehensive costs around $254 each year, collision costs $392, and liability insurance costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing around $2,756. Teenage drivers 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:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and XK models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $750
• Using higher $1,000 deductibles will save about $146 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,278
• Using low deductibles for physical damage coverage will increase the cost to $1,560
• Drivers who are prone to accidents and violations could pay at least $2,756 or more
• Policy cost for full coverage for a teen driver can be $4,902 or more

View Chart as Image

Auto insurance rates for a Jaguar XK also range considerably based on your risk profile, the model of your XK, and deductibles and policy limits.

More mature drivers with a good driving record and high 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 good drivers will have to pay as much as $4,900 a year. View Rates by Age

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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be varied from one company to the next.

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 Affordable Jaguar XK Insurance

Finding cheaper rates on Jaguar XK insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

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

• High-risk drivers with DUI or reckless driving convictions pay on average $1,480 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $409 each month if they have full coverage
• You may be able to save up to $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• You may be able to save up to $150 per year simply by quoting online in advance