Compare Jaguar XJ Insurance Rates [Rates + Coverage Guide]
Jaguar XJ insurance rates cost $1,876 a year, or around $156 a month. On average, comprehensive coverage costs $457, collision coverage costs $667, and liability coverage costs $529 for Jaguar XJ insurance.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Jun 25, 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 are $357 more expensive than the average vehicle. You can pay up to $156 per month for full coverage and $63 per month for liability-only coverage. High-risk drivers could pay nearly $600 per month for insurance. Continue reading to learn how you can save money on Jaguar XJ insurance rates.
You can start comparing quotes for Jaguar XJ insurance rates from some of the best auto insurance companies by using our free online tool now.
Jaguar XJ Insurance Cost
The average Jaguar XJ auto insurance rates 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 Infiniti Q70, Jaguar XF, and Lexus IS 300.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
| Jaguar XF | $406 | $804 | $398 | $1,766 |
| Lexus IS 300 | $356 | $686 | $398 | $1,598 |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Mercedes-Benz C300 | $404 | $718 | $372 | $1,652 |
| Jaguar XE | $382 | $774 | $398 | $1,712 |
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 Phoenix may pay $1,032 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Jaguar XJ auto insurance. Teens and drivers in their 20’s see the highest jump in their Jaguar XJ insurance rates with violations on their driving record.
Jaguar XJ Safety Ratings
Your Jaguar XJ auto insurance rates are tied to the Jaguar XJ’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Not Tested |
| Side | Not Tested |
| Roof strength | Not Tested |
| Head restraints and seats | Not Tested |
| Source: Insurance Institute for Highway Safety | |
Jaguar XJ Crash Test Ratings
Good Jaguar XJ crash test ratings can lower your Jaguar XJ insurance rates. See Jaguar XJ crash test results below:
| 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
Having a variety of safety features on your Jaguar XJ can help lower your Jaguar XJ insurance costs. The Jaguar XJ’s safety features include:
- Dynamic Stability Control (DSC) Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- InControl Protect Emergency Sos
- Front And Rear Parking Sensors
- Blind Spot Assist Blind Spot
- Emergency Braking and Rear Traffic Monitor
- Lane Keep Assist Lane Keeping Assist
- Lane Keep Assist Lane Departure Warning
- Blind Spot Monitor Blind Spot
- and Rear Traffic Monitor
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Curtain 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Power Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
- Back-Up Camera
Jaguar XJ Insurance Loss Probability
Insurance loss probability on the Jaguar XJ fluctuates between each type of coverage. The lower percentage means lower Jaguar XJ insurance rates; higher percentages mean higher Jaguar XJ auto insurance rates.
| 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 auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Jaguar XJ Insurance
There are many ways that you can save on Jaguar XJ auto insurance. Below are five actions you can take to find cheap Jaguar XJ auto insurance rates.
- Take Advantage of Referral Fees
- Consider Using a Tracking Device on Your Jaguar XJ
- Ask About Student Discounts
- Install an Aftermarket Anti-Theft Device for Your Jaguar XJ
- Ask About a Student Away from Home Discount
Top Jaguar XJ Insurance Companies
Several top auto 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 auto 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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