Jaguar XK Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure a Jaguar XK than the average car.
• Liability car insurance for a XK comes in at around $62 monthly, while full coverage usually averages about $190 per month.
• The lowest insurance company for a XK is Workmens, who offers XK owners prices as low as $18 a month.

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XK Overview

The Jaguar XK is on the more expensive end of the spectrum, with base prices starting at $84,500 for 2015 models. With three different trim levels currently available, you'll be sure to find an option to fit your style.

Based on analyzing thousands of auto insurance quotes from Compare.com, we've found that average Jaguar XK car insurance premiums run around $206 per month. Compared to other vehicles in the market, how do XK insurance rates stack up?

How Much is Car Insurance for a Jaguar XK?

If you look at the table above, you'll see that auto insurance premiums for a Jaguar XK are more expensive than average. On average, XK drivers can expect to pay about $62 monthly for liability insurance, and around $190 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the XK is on par with Jaguar's vehicle offerings. Similarly, XK coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance rates coming in at $13 higher than other cars and liability insurance prices at $21 cheaper.

When compared to all vehicles, regardless of make, body style, or model, liability only premiums are more affordable for a XK, but run higher than average for full coverage policies.

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Who has the Cheapest Car Insurance for a Jaguar XK?

If you're searching for a new car insurance policy for your Jaguar XK, you're probably most interested in which carrier offers the cheapest prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $17 per month from Dairyland. The next most affordable company is Workmens, who offers insurance as cheap as just $18 monthly.

SafeAuto, Infinity, and Elephant round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers use multiple things and complex formulas to calculate rates. By checking quotes from a bunch of car insurance companies at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Jaguar XK?

As we mentioned above, there are a wide array of variables that auto insurance carriers take a look at to choose how much they charge -- and each carrier weighs certain pieces more than others, so there's not a singular company that's the lowest for every driver.

Keep reading to learn which factors car insurance companies look at and how they affect your final rate:

Vehicle Age

The Jaguar XK has been around for a while, so vehicle age may play a big role in what you end up paying for auto insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually get lower.

A new Jaguar XK model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Jaguar XKs to insure are those that are 1 year old or less, while the most expensive models are XKs that are 4 to 5 years old, on average.

Your Age

Your age is another factor that makes a difference in how much you pay for insurance. In the table above, you'll see that teenage XK drivers have more expensive rates than those with more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group for XK drivers being 55-64.

Your Gender

You may not know, but men generally pay more for car insurance than women do. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim. Surprisingly, when it comes to XK drivers specifically, women pay about the same rates per month as men for auto insurance.

Where You Live

It may seem like common sense that things such as what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live can matter just as much. Since auto insurance is regulated on the state level rather than nationally, rates differ quite a bit from state to state.

For example, the average Jaguar XK driver in New York pays around $77 a month for liability coverage, while the same Californian owner will pay $23 less than that price, on average.

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Jaguar XK Car Insurance Discounts

Regardless of your home state, your car, or your age, using as many discounts as possible when it comes to your insurance policy is always important.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same company
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments

But these aren't the only discounts auto insurance carriers offer to their customers. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.

While you don't have control over every variable car insurance carriers examine to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use to your advantage when it comes to cost savings:

Your Driving Record

You've probably observed ads from insurance companies offering big savings for good drivers. It checks out that your auto insurance premiums will go higher if you get into an accident or get cited for speeding. But exactly how much will these infractions cost you?

Based on the table above, accidents will usually cost XK drivers less than tickets, but both will result in higher than average rates. Jaguar XK drivers with a single ticket will pay about $60 monthly, while drivers with one accident on their record pay an average of $49 every month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor you have control over is how much you drive each year. Drivers who are on the roads less are less likely to get into collisions, so they'll typically get cheaper rates. Based on the table above, you can see that Jaguar XK owners who drive fewer than 2,500 miles a year pay about $64 per month for insurance, while those who put 10,000 miles or more on their cars pay $69.

If you don't drive much because have a second vehicle or you work from home, it may be worth considering pay-per-mile or usage-based car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Jaguar XKs Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Jaguar XK is on your shortlist, it might be helpful to do your due diligence. Insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Visit the table below to see how the Jaguar XK stacks up:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Jaguar XK is more expensive than average. At $84,500, the XK price comes in above the national average MSRP of $40,098. And since there hasn't been a new XK model on the market recently, used prices will be even less expensive.

Similarly, auto insurance premiums run above average when compared to the rest of the vehicle market. Liability insurance for a Jaguar XK is about $93 per month more than average, while full coverage is over $30 more a month.

However, it is worth noting that the XK owners tend to drive their cars less than the average American driver, with only 9,175 annual miles for the average owner.

Jaguar XK Car Insurance Costs by Model Year

So far, you've seen how different factors have an impact on how much the average driver pays to insure a Jaguar XK. If you're considering purchasing a new XK, knowing what you can expect to pay for the specific vehicle you're looking at can be helpful as you consider your choices.

Choose Your Model

2015 Jaguar XK Car Insurance 2014 Jaguar XK Car Insurance 2012 Jaguar XK Car Insurance 2011 Jaguar XK Car Insurance 2010 Jaguar XK Car Insurance 2009 Jaguar XK Car Insurance 2008 Jaguar XK Car Insurance 2007 Jaguar XK Car Insurance 2006 Jaguar XK Car Insurance 2005 Jaguar XK Car Insurance 2004 Jaguar XK Car Insurance 2003 Jaguar XK Car Insurance

2015 Jaguar XK Car Insurance

2015 Jaguar XK drivers can expect to pay an average of $174 per month for liability or $199 for full coverage.

If you're looking for the lowest possible 2015 Jaguar XK insurance policy, Elephant offered the cheapest policy we found, with rates sometimes as cheap as $21 monthly.

If you want to know exactly how much you can expect to pay for your XK, just enter your ZIP code below and get several free quotes in minutes.

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2014 Jaguar XK Car Insurance

It costs around $51 a month for liability or $235 for a full coverage policy for the 2014 XK.

Looking for the lowest policy? Infinity offered liability only coverage for sometimes as little as $39 per month.

Want to know exactly what your car insurance price will be? Just enter your ZIP code below to get lots of personalized quotes for free.

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2012 Jaguar XK Car Insurance

On average, drivers who own a 2012 Jaguar XK can expect to pay $35 to $326 monthly for liability only and full coverage auto insurance, respectively.

With rates sometimes as low as $35 per month, SafeAuto offered the cheapest policy we found.

These average prices are a great starting point if you're in the market for a 2012 Jaguar XK, but there are a multitude of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2011 Jaguar XK Car Insurance

You can expect full coverage for a 2011 XK to run about $186 monthly, while liability only coverage will average around $37 a month.

With premiums as little as just $17 per month, Dairyland offered the most affordable policy we found for the 2011 Jaguar XK.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2010 Jaguar XK Car Insurance

The average cost to insure a 2010 Jaguar XK with liability only coverage is $108 monthly, while full coverage runs about $201 a month.

Workmens has rates as cheap as $18 per month for the 2010 Jaguar XK.

What will your car insurance rate be? Get multiple customized quotes for free by just entering your ZIP code below.

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2009 Jaguar XK Car Insurance

On average, drivers who own a 2009 XK can expect to pay $119 to $184 monthly for liability only and full coverage insurance, respectively.

Liberty Mutual offered the lowest policy we found, with rates as low as just $25 a month.

If you want to find the best prices for auto insurance for a 2009 Jaguar XK, enter your ZIP code below and compare several personalized quotes in just a few minutes.

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2008 Jaguar XK Car Insurance

2008 Jaguar XK drivers can expect to pay an average of $69 monthly for liability or $187 for full coverage.

We found Elephant offered the cheapest policy, with rates as little as $21 per month.

Want to know exactly how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

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2007 Jaguar XK Car Insurance

You can expect full coverage for a 2007 XK to run around $191 a month, while liability only coverage will average about $64 per month.

With premiums as low as $22 a month, Coverhound offered the most affordable policy we found.

While these are good estimates of what the average driver might pay to insure a 2007 Jaguar XK, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2006 Jaguar XK Car Insurance

It costs around $71 monthly for liability or $154 for a full coverage policy for the 2006 Jaguar XK.

With premiums sometimes as cheap as $35 per month, Hallmark offered the cheapest policy we found for the 2006 Jaguar XK.

If you want to find the best prices for car insurance for a 2006 Jaguar XK, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2005 Jaguar XK Car Insurance

The average cost to insure a 2005 XK with liability only coverage is $58 a month, while full coverage runs about $150 monthly.

MetLife offered the most affordable policy we found, with rates as low as just $31 a month.

Want to know just how much you'll pay? Enter your ZIP code below to get several free personalized quotes.

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2004 Jaguar XK Car Insurance

You can expect full coverage for a 2004 Jaguar XK to run around $175 monthly, while liability only coverage will average about $63 per month.

Oasis has rates as little as $18 a month for the 2004 Jaguar XK.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2003 Jaguar XK Car Insurance

On average, drivers who own a 2003 XK can expect to pay $56 to $282 per month for liability only and full coverage insurance, respectively.

If you're looking for the most affordable 2003 Jaguar XK insurance policy, Elephant offered the lowest policy we found, with rates as cheap as $23 monthly.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Jaguar XK Insurance FAQs

Is a Jaguar XK expensive to insure?

When compared to the national average of all cars, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $62 a month, while full coverage will cost you around $190.

How can I get the best price on car insurance for my Jaguar XK?

There's only one way to be confident you're getting the cheapest rates -- checking prices regularly and comparing quotes from numerous carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from an array of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jaguar XK affect my insurance premiums?

Have you heard that it costs more to insure red cars than silver or white ones before? Well, that's actually not true. There are a variety of factors car insurance carriers examine when they offer prices, but the color of your Jaguar XK is not used to make that determination.

Do I need to have insurance before I buy a Jaguar XK?

Before you can legally drive your new (or new to you) XK off the dealership lot, you'll need to have valid insurance for it. Some dealerships may offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a a new car is to let your auto insurance carrier know ahead of time.

What car insurance discounts can I get for my Jaguar XK?

There are a variety of discounts out there for car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your XK has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to reach out to your insurance company and ask about which discounts they offer.