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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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

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
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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 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
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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
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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
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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
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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:

  • 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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Compare Free Jaguar XJ Insurance Quotes Online

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.

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