Jaguar XJ Insurance [How to Find Cheap Rates]
Average auto insurance rates for a Jaguar XJ cost $1,876 a year, or around $156 a month. Teens pay the highest rates at up to $6,857 a year, while good drivers may only pay $1,103.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Oct 27, 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 insurance rates can be expensive for the majority of drivers. Jaguar XJ insurance costs around $357 more per year than the average vehicle. Read our guide to learn what you can do to save on insurance rates for a Jaguar XJ.
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 car insurance costs for a Jaguar XJ 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 Audi A8, Cadillac CTS-V, and Audi A4.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Cadillac CTS-V | $406 | $804 | $338 | $1,684 |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Acura TLX | $332 | $686 | $398 | $1,574 |
| Audi S7 | $532 | $1250 | $398 | $2,338 |
| Mercedes-Benz S450 | $494 | $982 | $398 | $2,032 |
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 insurance coverage.
Age of the Vehicle
Older Jaguar XJ models generally cost less to insure. For example, auto 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 |
Driver Age
Driver age can have a significant impact on the cost of Jaguar XJ auto insurance. For example, 20-year-old drivers pay approximately $2,294 each year for their Jaguar XJ auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Jaguar XJ insurance rates. For example, drivers in New York may pay $1,144 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Jaguar XJ car insurance rates. 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 Ratings
The Jaguar XJ’s safety ratings will affect your Jaguar XJ car insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Jaguar XJ Crash Test Ratings
Poor Jaguar XJ crash test ratings could mean higher Jaguar XJ car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Jaguar XJ 4 DR RWD | N/R | N/R | N/R | N/R |
| 2019 Jaguar XJ 4 DR AWD | N/R | N/R | N/R | N/R |
| 2018 Jaguar XJ (SWB) 4 DR FWD | N/R | N/R | N/R | N/R |
| 2018 Jaguar XJ (SWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 2018 Jaguar XJ (LWB) 4 DR FWD | N/R | N/R | N/R | N/R |
| 2018 Jaguar XJ (LWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 2017 Jaguar XJ (SWB) 4 DR RWD | N/R | N/R | N/R | N/R |
| 2017 Jaguar XJ (SWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 2017 Jaguar XJ (LWB) 4 DR RWD | N/R | N/R | N/R | N/R |
| 2017 Jaguar XJ (LWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 2016 Jaguar XJ (SWB) 4 DR RWD | N/R | N/R | N/R | N/R |
| 2016 Jaguar XJ (SWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 2016 Jaguar XJ (LWB) 4 DR RWD | N/R | N/R | N/R | N/R |
| 2016 Jaguar XJ (LWB) 4 DR AWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Jaguar XJ Safety Features
The more safety features you have on your Jaguar XJ, the more likely it is that you can earn a discount. The Jaguar XJ’s safety features include:
- Blind-spot monitoring
- Rear cross-traffic alert
- Lane departure warning
- Lane keep assist
- Adaptive headlights
- Automatic high beams
- Driver attention monitoring
- Traffic sign recognition
- Adaptive speed limiter
- Rearview camera
- Front and rear parking sensors
- Rain-sensing windshield wipers
Jaguar XJ Insurance Loss Probability
Another contributing factor that plays a direct role in Jaguar XJ insurance rates is the loss probability for each type of coverage.
| 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 | |
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:
- Take Public Transit Instead of Driving Your Jaguar XJ
- Ask About Jaguar XJ Safety Discounts
- Park Your Jaguar XJ Somewhere Safe – like a Garage or Private Driveway
- Pay Your Bills On Time — Especially Jaguar XJ Payments and Insurance
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
Top Jaguar XJ Insurance Companies
The best auto insurance companies for Jaguar XJ car insurance rates will offer competitive rates, discounts, and account for the Jaguar XJ’s safety features. The following list of car insurance companies outlines which companies hold the highest 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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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.