Estimates, not quotes

Jaguar XJ Insurance Cost in Washington

Insuring a Jaguar XJ in Washington costs about $1,295 a year ($108/month) for full coverage by our estimate — −13% versus the same car nationally — the 25th most expensive of 51 states for this model.

Jaguar XJ (photo from Wikimedia Commons)
Photo: Charles01, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Jaguar XJ insurance in Washington at a glance

Full coverage
$1,295
$1,060–$1,530
25/50/10 minimum
$580
$48/mo
Same car nationally
$1,480
full coverage
Avg. car in WA
$1,380
−6% for the XJ

The Jaguar XJ is 6% cheaper than the average vehicle to insure in Washington. Washington's own base rates are 10% lower than the national average, which carries through to every model.

Washington factors that affect XJ premiums

  • Uninsured drivers: 19.1% of Washington drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your XJ.
  • Theft: 259 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Washington's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.21 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Washington →

Jaguar XJ insurance cost in Washington cities

CityFull coverageMinimumvs. state
Seattle$1,480$660+14%
Spokane$1,340$595+3%
Tacoma$1,460$650+13%
Vancouver$1,380$615+7%
Bellevue$1,395$620+8%
Kent$1,470$655+14%
Everett$1,410$630+9%
Spokane Valley$1,330$590+3%
Renton$1,470$655+14%
Yakima$1,305$580+1%
Bellingham$1,295$5800%
Auburn$1,445$645+12%
Lynnwood$1,485$665+15%

Jaguar XJ insurance in Washington by driver

Estimated annual Jaguar XJ premium in Washington
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,590 $2,305 $3,565 $297
Young adult (22) $925 $1,340 $2,075 $173
Adult in their 30s $580 $840 $1,295 $108
Adult in their 50s $530 $770 $1,190 $99
Senior (72) $650 $940 $1,450 $121
30s, one at-fault accident $840 $1,215 $1,880 $157
30s, DUI on record $1,070 $1,550 $2,395 $200

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $580 $48 $475–$680
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $840 $70 $690–$990
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,295 $108 $1,060–$1,530

Washington minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Washington

ModelFull coverage in WAvs. XJ
Audi A3$1,405+8%
Infiniti G37$1,555+20%
Lincoln MKZ$1,525+18%
Acura RL$1,555+20%

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Estimated annual premium
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Jaguar XJ insurance cost in every state · All Jaguar models

Frequently asked questions

How much is Jaguar XJ insurance in Washington?

About $1,295 a year ($108 a month) for full coverage and $580 for Washington's minimum liability, for a driver in their 30s with a clean record. That is 13% less than the national estimate for the same car.

Is the Jaguar XJ cheaper to insure than the average car in Washington?

The average vehicle in Washington is about $1,380 a year for full coverage in our model, so the Jaguar XJ is 6% cheaper than average.

Where in Washington is Jaguar XJ insurance cheapest?

Among the largest Washington cities, Bellingham has the lowest estimate (about $1,295) and Lynnwood the highest (about $1,485).

What insurance do I need for a Jaguar XJ in Washington?

Washington requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page