Jaguar XK Insurance Rates

The average insurance prices for a Jaguar XK are $1,334 every 12 months with full coverage. Comprehensive insurance costs an estimated $270, collision costs $432, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,880 or more. Teenage drivers cost the most to insure at $5,080 a year or more.

Average premium for full coverage: $1,334

Policy rates broken down by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all XK models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $777
• Raising to $1,000 deductibles will save approximately $160 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,334
• Using pricier low deductibles costs an extra $306 annually
• Drivers who are prone to accidents and violations could pay up to $2,880 or more
• Policy cost to insure a 16-year-old driver for full coverage can cost as much as $5,080

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

Using high physical damage deductibles can reduce rates by up to $470 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,600 to $2,200 additional every year, depending on your age. Jaguar XK insurance for high-risk drivers is expensive and can cost from 43% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Jaguar XK insurance prices. A middle-age driver might find rates as low as $960 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,800 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and 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 Shop for Cheaper Jaguar XK Insurance

Finding cheaper rates on insurance for a Jaguar XK consists of being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the material that was covered above.

• Insureds who want an increased level of liability coverage will pay an extra $520 every year to raise from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are expensive to insure, as much as $423 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,550 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $475 each year