How Much is Insurance on a Jaguar XJ? [Rates + Coverage Guide]

If you want to buy inexpensive Jaguar XJ insurance coverage then you should know that a policy will cost $156 per month ($1,876 per year) on average. On average, comprehensive coverage costs $457, collision coverage costs $667, and liability coverage costs $529 for Jaguar XJ insurance.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Jun 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 are quite a bit more expensive than the average vehicle with full coverage costing around $1,876 a year or $156 a month. Owners of an older Jaguar XJ may opt for liability-only insurance which costs about $752 a year or $63 a month.

Good drivers can qualify for up to $773 a year in policy discounts by practicing safe driving habits. Let’s take a quick look at Jaguar XJ insurance rates, safety features, and more.

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 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 Mercedes-Benz CLS 550, Audi A4, and Mercedes-Benz C300.

Mercedes-Benz CLS 550$432$952$398$1,940
Audi A4$332$656$398$1,544
Mercedes-Benz C300$404$718$372$1,652
BMW M3$406$804$398$1,766
Acura TLX$332$686$398$1,574
Infiniti Q70$370$774$338$1,618

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

The average Jaguar XJ auto insurance rates are higher for newer models. 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 YearComprehensiveCollisionLiabilityTotal
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 Jaguar XJ auto insurance rates. For instance, a 30-year-old driver may pay $83 more each year for Jaguar XJ auto insurance than a 40-year-old driver.

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 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 Crash Test Ratings

Not only do good Jaguar XJ crash test ratings mean you are better protected in a crash, but good Jaguar XJ crash ratings also mean cheaper insurance rates.

Vehicle TestedOverallFrontalSideRollover
2019 Jaguar XJ 4 DR RWDN/RN/RN/RN/R
2019 Jaguar XJ 4 DR AWDN/RN/RN/RN/R
2018 Jaguar XJ (SWB) 4 DR FWDN/RN/RN/RN/R
2018 Jaguar XJ (SWB) 4 DR AWDN/RN/RN/RN/R
2018 Jaguar XJ (LWB) 4 DR FWDN/RN/RN/RN/R
2018 Jaguar XJ (LWB) 4 DR AWDN/RN/RN/RN/R
2017 Jaguar XJ (SWB) 4 DR RWDN/RN/RN/RN/R
2017 Jaguar XJ (SWB) 4 DR AWDN/RN/RN/RN/R
2017 Jaguar XJ (LWB) 4 DR RWDN/RN/RN/RN/R
2017 Jaguar XJ (LWB) 4 DR AWDN/RN/RN/RN/R
2016 Jaguar XJ (SWB) 4 DR RWDN/RN/RN/RN/R
2016 Jaguar XJ (SWB) 4 DR AWDN/RN/RN/RN/R
2016 Jaguar XJ (LWB) 4 DR RWDN/RN/RN/RN/R
2016 Jaguar XJ (LWB) 4 DR AWDN/RN/RN/RN/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:

  • Lane departure warning
  • Lane keep assist
  • Emergency braking
  • Blindspot assist
  • Driver condition monitor
  • Traffic sign recognition and adaptive speed limiter
  • Rear traffic monitor

Jaguar XJ Insurance Loss Probability

The lower percentage means lower Jaguar XJ car insurance rates; higher percentages mean higher Jaguar XJ auto insurance rates. Insurance loss probability on the Jaguar XJ fluctuates between each type of coverage.

Insurance Coverage CategoryLoss Rate
Property Damageno data
Comprehensiveno data
Personal Injuryno data
Medical Paymentno data
Bodily Injuryno data
Source: Insurance Institute for Highway Safety

Jaguar XJ Finance and Insurance Cost

If you are financing a Jaguar XJ, you will pay more if you purchase Jaguar XJ auto insurance at the dealership, so be sure to shop around and compare Jaguar XJ auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Jaguar XJ Insurance

Although it may seem like your Jaguar XJ car insurance rates are set, there are a few measures that you can take to secure the best Jaguar XJ car insurance rates possible. Take a look at the following five ways to save on Jaguar XJ auto insurance.

  • Choose Automatic Payments or EFT for Your Jaguar XJ Insurance Policy
  • Understand that Your Insurer Can Change Your Jaguar XJ Auto Insurance Rates Mid-Term for Other Reasons
  • Move to the Countryside
  • Remove Young Drivers from Your Jaguar XJ Insurance Plan
  • Bundle Your Jaguar XJ Auto Insurance with Home Insurance

Top Jaguar XJ Insurance Companies

Who is the top car insurance company for Jaguar XJ insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jaguar XJ auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jaguar XJ offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
4Liberty Mutual$35,600,0515.1%
Source: Insurance Information Institute

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