Jaguar XJ Insurance Cost [Rates + Cheap Coverage Guide]

If you want to buy cheap Jaguar XJ insurance coverage then you should know that a policy will cost $156 per month ($1,876 per year) on average. Teens pay the highest rates at up to $6,857 a year, while good drivers may only pay $1,103.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 17, 2020

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Key takeaways:

  • Full coverage costs around $1,876 a year or $156 each month
  • A liability-only policy costs around $752 a year or $63 each month
  • Highest rates are for teenage drivers at around $6,857 a year or $571 each month
  • Good drivers can save as much as $773 a year by earning policy discounts
  • Jaguar XJ insurance costs around $357 more per year than the average vehicle

Jaguar XJ car insurance rates cost drivers an average of $1,876 a year, or around $156 per month. If you want to make it your goal to find cheap Jaguar XJ rates that you can feel good about, let us help you. This article will walk you through how Jaguar XJ rates are calculated so you have all the necessary tools you need to secure a good policy.

You can start comparing quotes for Jaguar XJ car insurance rates from some of the best car insurance companies by using our free online tool now.

Jaguar XJ Insurance Cost

The average Jaguar XJ car insurance costs are $1,876 a year or $156 a month.

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Are Jaguar XJs Expensive to Insure?

The chart below details how Jaguar XJ insurance rates compare to other luxury cars like the Cadillac CTS-V, Lexus GS 350, and Mercedes-Benz E300.

Vehicle Comprehensive Collision Liability Total
Cadillac CTS-V $406 $804 $338 $1,684
Lexus GS 350 $370 $714 $338 $1,558
Mercedes-Benz E300 $394 $744 $338 $1,612
Cadillac CT6 $382 $774 $398 $1,712
Mercedes-Benz S450 $494 $982 $398 $2,032
Porsche Panamera $520 $1042 $398 $2,118
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However, there are a few things you can do to find the cheapest Jaguar insurance rates online.

What Impacts the Cost of Jaguar XJ Insurance?

The Jaguar XJ trim and model you choose can impact the total price you will pay for Jaguar XJ auto insurance coverage.

Age of the Vehicle

Older Jaguar XJ models generally cost less to insure. For example, car insurance for a 2017 Jaguar XJ costs $1,876, while 2011 Jaguar XJ insurance costs are $1,522, a difference of $354.

Model Year Comprehensive Collision Liability Total
2017 Jaguar XJ $430 $872 $416 $1,876
2016 Jaguar XJ $414 $836 $430 $1,838
2015 Jaguar XJ $392 $806 $442 $1,798
2014 Jaguar XJ $376 $748 $452 $1,734
2013 Jaguar XJ $362 $704 $456 $1,680
2012 Jaguar XJ $346 $632 $460 $1,596
2011 Jaguar XJ $324 $580 $460 $1,522
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Driver Age

Driver age can have a significant effect on the cost of Jaguar XJ car insurance. For example, 30-year-old drivers pay approximately $83 more for their Jaguar XJ car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Jaguar XJ insurance rates. For example, drivers in Los Angeles may pay $1,032 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Jaguar XJ car insurance. Teens and drivers in their 20’s see the highest jump in their Jaguar XJ car insurance with violations on their driving record.

Jaguar XJ Safety Features

The Jaguar XJ safety features can help lower insurance costs. In fact, the 2020 Jaguar XJ has the following safety features:

  • Airbags and Whiplash Protection
  • Pedestrian Contact System
  • Child Seats
  • Enhanced Security
  • Intelligent High Beams
  • Adaptive Front Lighting
  • All Surface Progress Control (ASPC)
  • 360-Degree Parking Aid
  • Surround Camera System
  • Adaptive Cruise Control with Forward Alert & Queue Assist

Jaguar XJ Insurance Loss Probability

Review the Jaguar XJ car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Jaguar XJ auto insurance costs; higher percentages mean higher Jaguar XJ auto insurance costs.

Insurance Coverage Category Loss Rate
Collision 154%
Property Damage no data
Comprehensive no data
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Jaguar XJ Finance and Insurance Cost

If you are financing a Jaguar XJ, most lenders will require your carry higher Jaguar XJ coverage options including comprehensive coverage, so be sure to shop around and compare Jaguar XJ car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Jaguar XJ Insurance

You have more options at your disposal to save money on your Jaguar XJ car insurance costs. For example, try these five tips:

  • Ask About Discounts for People with Disabilities
  • Get Married and Ask for a Discount
  • Compare Jaguar XJ Quotes for Free Online
  • Ask About a Student Away from Home Discount
  • Get a Plan with Only Liability Coverage If You’re Driving an Older Jaguar XJ

Top Jaguar XJ Insurance Companies

Several top car insurance companies offer competitive rates for the Jaguar XJ rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Jaguar XJ drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Jaguar XJ Insurance Quotes Online

To start comparing Jaguar XJ car insurance quotes for free, use our online car insurance comparison tool.

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Average Monthly Car Insurance Rates by State