Jaguar S-Type Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Jaguar S-Type owners generally pay around $95 a month for auto insurance. Our new guide will help you know how much car insurance carriers might charge you to insure your Jaguar S-Type.

Quick Facts

  • A Jaguar S-Type is more affordable to insure than the average car.
  • Full coverage auto insurance for a S-Type runs about $132 per month, on average, while liability only insurance normally tends to be around $70.
  • The lowest car insurance carrier for a S-Type is Verti, who offers liability only coverage for sometimes as little as $33 monthly, on average.

S-Type Overview

The Jaguar S-Type is a high-end car on the more expensive end of the spectrum, with 2008 models starting at $48,335. With three different trim levels currently available, there's something there for every driver.

We sifted through thousands of insurance quotes on Compare.com, and we've found that Jaguar S-Type auto insurance prices are about $95 a month, on average. How do car insurance rates for the S-Type compare to premiums of other similar cars?

Current Base Price$48,335
Body Style(s)Car
Trim LevelsR, 4.2, S-TYPE
Average Insurance Premium$95/mo.
Cheapest Insurance CompanyVerti

How Much is Car Insurance for a Jaguar S-Type?

Vehicle Liability Only Full Coverage
Jaguar S-Type$70$132
All Jaguar Models$72$192
All Cars$83$177
Average Insurance Premium$81$169

In the table above, you'll see that compared to other vehicles, Jaguar S-Type insurance rates are below average. S-Type drivers can expect to pay around $132 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $70 monthly for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the S-Type is cheaper, with premiums more than 10% lower than other vehicles in Jaguar's lineup. Likewise, coverage for the S-Type is below average when compared to other vehicles of a similar body style, with both full coverage and liability only insurance averaging less expensive prices than other cars.

Overall, they're just more affordable to insure than the average vehicle, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Jaguar S-Type?

Insurance Company Average Monthly Premium
Verti$33
MetroMile$39
Sun Coast$41
AmericanAlliance$42
Fiesta$44

Browsing for a car insurance policy for your Jaguar S-Type? You're likely wondering which company offers the cheapest premiums. Although costs will typically be pretty different from person to person, the cheapest average rates for liability only insurance are sometimes as low as $33 a month from Verti. With car insurance as cheap as just $39 per month, MetroMile is the next most affordable insurance carrier.

The third, fourth, and fifth companies on the list are Sun Coast, AmericanAlliance, and Fiesta. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Auto insurance companies take a whole range of variables into consideration when calculating monthly premiums. Since every driver is different, there's only one way to make sure you get the lowest premiums, and that's by getting personalized quotes and comparing rates from many auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Jaguar S-Type?

There are lots of things that car insurance companies take into account to determine how much to charge -- and every company weighs certain factors more than others, so there's not a singular carrier that's the cheapest for everyone.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 YearNo Recent Models
2-3 YearsNo Recent Models
4-5 YearsNo Recent Models
6-7 Years$50
8-10 Years$69
11-14 Years$70
15 Years or Older$72

The Jaguar S-Type has been around for a while -- that means vehicle age will likely play a role in what you end up paying for insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and S-Types continue to depreciate, insurance costs will gradually go lower.

A new Jaguar S-Type model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the most expensive Jaguar S-Types to insure are those that are 15 years old or more, while the cheapest models are S-Types that are 6 to 7 years old, on average.

Your Age

Age Average Monthly Premium

How old you are plays a significant role in how much you pay for auto insurance. Based on the information above, drivers who have more experience on the road have more affordable rates than young drivers. Jaguar S-Type drivers between 18 and 24 actually pay $39 more than those 25 or older.

Insurance prices continue to decrease as you get older, with drivers aged 65 years and older making up the cheapest age group for the S-Type.

Your Gender

Gender Average Monthly Premium
Male$70
Female$71

Because women are less likely to get into collisions and get tickets, they are less likely to file a claim with insurance. So, insurance carriers will tend to charge women less than men. Surprisingly, when it comes to S-Type drivers specifically, women pay about $1 more than men each month for car insurance.

Where You Live

State Average Monthly Premium
California$54
Florida$130
Georgia$87
Illinois$44
New York$82
North Carolina$43
Ohio$38
Pennsylvania$89
Texas$58
Virginia$48

It may be obvious that things such as how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live has just as much of an impact? Because auto insurance is regulated at the state level, prices fluctuate quite a bit depending on where you live.

For example, the average Jaguar S-Type owner from New York pays around $82 monthly for liability coverage, while on average, the same driver from California will pay $28 less than that price. The chart above shows average rates for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Jaguar S-Type Car Insurance Discounts

No matter your car, your age, or your home state, it's always important to take advantage of as many car insurance discounts as possible.

Even though all insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

  • Multi-vehicle discounts for having more than one car on your auto policy
  • Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
  • Defensive driving discounts for taking a defensive driving class from an accredited school or institution
  • Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings

While discounts are always a good way to save money on your car insurance, sometimes the best way to save is just by having a profile that looks good to auto insurance companies.

Of course, you can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the factors you can use to your advantage in order to save money on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$92
Multiple Accidents$94
1 Ticket$76
Multiple Tickets$116

You've no doubt heard ads from car insurance carriers promoting large discounts for safe drivers. It follows that if you get into an accident or get tickets, insurance prices will increase. But you're probably wondering exactly how much these infractions will cost you.

As you can see from the table above, accidents will usually cost S-Type drivers more than tickets, but both will result in higher than average rates. Jaguar S-Type drivers with one accident on their record pay an average of $92 a month (up $22 from the $70/mo. overall average), while drivers with a single ticket will pay about $76 per month. The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$59
2,501-5,000 Miles$72
5,001-7,500 Miles$61
7,501-10,000 Miles$72
10,000+ Miles$74

The total amount of miles you drive annually plays a big role in your auto insurance rates. Those who drive less are less likely to get into collisions, so they'll usually end up spending less on insurance. In the table above, you can see that Jaguar S-Type owners who drive 10,000 miles or more pay $74 for car insurance, while those who drive fewer than 2,500 miles every year pay about $59 a month.

But if you happen to be one of those drivers who put very few miles on your Jaguar S-Type each year, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Jaguar S-Types Compare to Other Vehicles?

If you're considering purchasing a Jaguar S-Type, you might be wondering how it compares to other vehicles. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Jaguar S-Type stacks up:

Jaguar S-Type National Average
Liability Insurance$94$81
Full Coverage Insurance$164$169
Base MSRP$48,335$31,550
Average Annual Mileage10,34311,617

With an MSRP that's a quarter more than the going rate for a new vehicle, the Jaguar S-Type is on the more expensive side when it comes to price. The S-Type comes in at $48,335, a bit more expensive than the national average vehicle price of $31,550. A used S-Type will be even less expensive, since there hasn't been a new model added to the market in the last few years.

In the same fashion, insurance premiums run slightly above average when compared to the rest of the vehicle market. Full coverage insurance for a Jaguar S-Type is about $5 a month cheaper than average, while liability only coverage is $13 higher monthly.

When it comes to usage, Jaguar S-Type owners drive fewer miles annually than the national average, with 10,343 miles per year compared to 11,617 for all vehicles.

Jaguar S-Type Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect how much you might pay for car insurance. If you're considering buying a new S-Type, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your options.

2008 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$94
Full Coverage Avg. Premium$164
Base MSRP$48,335
Cheapest Insurance CompanyMapfre - $23/mo.
Available Trims4.2, R, S-TYPE

It costs around $94 a month for liability or $164 for a full coverage policy for the 2008 S-Type.

Mapfre has rates sometimes as cheap as $23 per month for the 2008 Jaguar S-Type.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2007 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$128
Base MSRP$48,335
Cheapest Insurance CompanyCommonwealth Casualty - $24/mo.
Available Trims4.2, R, S-TYPE

2007 Jaguar S-Type drivers can expect to pay an average of $74 monthly for liability or $128 for full coverage.

With premiums as low as just $24 a month, Commonwealth Casualty offered the lowest policy we found.

Want to find the cheapest rates? Get multiple free customized quotes by just entering your ZIP code below.

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2006 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$61
Full Coverage Avg. Premium$118
Base MSRP$45,330
Cheapest Insurance CompanyElephant - $22/mo.
Available Trims4.2, R, S-TYPE

On average, drivers who own a 2006 S-Type can expect to pay $61 to $118 monthly for liability only and full coverage auto insurance, respectively.

Looking for the most affordable policy? Elephant offered liability only coverage for as low as $22 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2005 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$77
Full Coverage Avg. Premium$147
Base MSRP$44,230
Cheapest Insurance CompanyCommonwealth Casualty - $22/mo.
Available Trims4.2, R, S-TYPE

The average cost to insure a 2005 Jaguar S-Type with liability only coverage is $77 a month, while full coverage runs about $147 monthly.

With prices as little as just $22 per month, Commonwealth Casualty offered the lowest policy we found for the 2005 Jaguar S-Type.

While these are good estimates of what the average driver might pay to insure a 2005 Jaguar S-Type, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2004 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$122
Base MSRP$43,230
Cheapest Insurance CompanyElephant - $18/mo.
Available Trims4.2, R, SPORT, S-TYPE

You can expect full coverage for a 2004 S-Type to run around $122 monthly, while liability only coverage will average about $62 a month.

If you're looking for the lowest possible 2004 Jaguar S-Type insurance policy, Elephant offered the cheapest policy we found, with rates as little as $18 per month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2003 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$116
Base MSRP$41,850
Cheapest Insurance CompanyMercury - $20/mo.
Available Trims4.2, R, SPORT, S-TYPE

On average, drivers who own a 2003 Jaguar S-Type can expect to pay $67 to $116 a month for liability only and full coverage car insurance, respectively.

We found Mercury offered the most affordable policy, with rates as cheap as $20 per month.

While these are good estimates of what the average driver might pay to insure a 2003 Jaguar S-Type, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2002 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$170
Base MSRP$43,675
Cheapest Insurance CompanyWorkmens - $20/mo.
Available TrimsSPORT, S-TYPE

The average cost to insure a 2002 S-Type with liability only coverage is $68 monthly, while full coverage runs around $170 a month.

Workmens offered the cheapest policy we found, with rates as little as $20 per month.

These average prices are a great starting point if you're in the market for a 2002 Jaguar S-Type, but there are many things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2001 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$121
Base MSRP$43,655
Cheapest Insurance CompanyMapfre - $20/mo.
Available TrimsS-TYPE

You can expect full coverage for a 2001 Jaguar S-Type to run about $121 monthly, while liability only coverage will average around $76 a month.

We found Mapfre offered the lowest policy, with rates as cheap as $20 per month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several customized quotes for free.

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2000 Jaguar S-Type Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$134
Base MSRP$42,500
Cheapest Insurance CompanyMercury - $21/mo.
Available TrimsS-TYPE

2000 S-Type drivers can expect to pay an average of $68 monthly for liability or $134 for full coverage.

If you're looking for the cheapest possible 2000 Jaguar S-Type insurance policy, Mercury offered the most affordable policy we found, with rates as cheap as just $21 a month.

If you want to find the best rates for auto insurance for a 2000 Jaguar S-Type, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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Jaguar S-Type Insurance FAQs

Is a Jaguar S-Type expensive to insure?

Liability insurance runs an average of $70 per month, while full coverage will cost you around $132. The Jaguar S-Type is less expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Jaguar S-Type?

There's only one way to guarantee you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from numerous companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jaguar S-Type affect my insurance prices?

Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. While there are lots of factors car insurance carriers examine when they calculate how much your policy will be, the color of your car is not factored into that decision.

Do I need to have insurance before I buy a Jaguar S-Type?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but the easiest thing to do is to let your insurance company know ahead of time.

What car insurance discounts can I get for my Jaguar S-Type?

There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Jaguar S-Type and more on you, but if your S-Type has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their list of discounts, since they shift quite a bit from company to company.

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