- A Jaguar XJ is more expensive to insure than the average car.
- Full coverage auto insurance for a XJ tends to be around $183 monthly, on average, while liability only insurance usually averages about $64.
- Workmens provides the lowest average premiums for a XJ with liability only coverage offered for as little as just $41 per month.
In This Article
With 2019 models starting at $76,000, the Jaguar XJ is a high-end car for drivers with extra room in their budgets. There are four different trim levels currently offered, so there's something there for every driver.
We analyzed thousands of insurance quotes on Compare.com, and we've determined that, on average, Jaguar XJ car insurance rates run around $215 monthly. But compared to other vehicles in the market, are XJ auto insurance prices higher or lower than those of similar cars?
|Current Base Price||$76,000|
|Trim Levels||R - SPORT, R575, PORTFOLIO, SUPERCHARGED|
|Average Insurance Premium||$215/mo.|
|Cheapest Insurance Company||Workmens|
How Much is Car Insurance for a Jaguar XJ?
|Vehicle||Liability Only||Full Coverage|
|All Jaguar Models||$72||$192|
|Average Insurance Premium||$81||$169|
Looking at the table above, you can see that Jaguar XJ insurance premiums are right about average compared to other vehicles on the road. On average, XJ drivers can expect to pay around $183 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $64 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).
Comparing it to other models, the XJ is on par with the other vehicle types offered by Jaguar. Compared to offerings from other brands, insurance for a XJ runs close to average, with liability insurance prices $19 cheaper than other cars and full coverage insurance premiums coming in $6 higher.
The Jaguar XJ also has average rates when comparing it to vehicles of any body type, no matter what make, model, or body style they are.
Who has the Cheapest Car Insurance for a Jaguar XJ?
|Insurance Company||Average Monthly Premium|
Shopping around for a car insurance policy for your Jaguar XJ? You might want to know which carrier offers the lowest rates. Although there will never be one company that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $21 a month from MetroMile. With car insurance sometimes as little as $38 per month, DirectGeneral is the next cheapest car insurance carrier.
Verti, Workmens, and Hallmark finish off the rest of the top 5. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.
Car insurance companies take many things into consideration when calculating monthly prices. The only way to guarantee you'll find the lowest rates is to compare quotes from a lot of auto insurance carriers.
What Factors Affect Car Insurance Rates for a Jaguar XJ?
There are a range of variables that car insurance companies use to determine how much to charge -- and every company weighs different pieces more heavily than others, so there's not just one carrier that's the most affordable for each XJ owner.
The sections below show numerous factors insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$61|
|15 Years or Older||$62|
The Jaguar XJ has been around for a while, so vehicle age may make a difference in what you end up paying for car insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually go lower.
As you can see in the table above, the Jaguar XJ follows this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are XJs that are 4 to 5 years old.
|Age||Average Monthly Premium|
Age is another variable that makes a big difference in how much auto insurance companies will charge you for a policy. Based on the information in the table above, those who have more experience pay less for insurance compared to the youngest drivers. Jaguar XJ drivers under 18 actually pay over five times as much as those 25 or older.
Insurance prices continue to decrease as you get older, with drivers aged 45-54 making up the cheapest age group for the XJ.
|Gender||Average Monthly Premium|
Because women are less likely to get speeding tickets and get into accidents, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. The Jaguar XJ sticks to the norm, where women pay about 21% less than men monthly for car insurance.
Where You Live
|State||Average Monthly Premium|
It may be obvious that things such as what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live can be just as important? Auto insurance is regulated on the state level and not nationally, so rates can vary quite a bit from state to state.
For example, the average Jaguar XJ driver from New York pays around $276 a month for liability coverage, while the same owner in California will pay only 20% of that price, on average. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.
Jaguar XJ Car Insurance Discounts
No matter how old you are, which car you drive, or what state you call home, using as many discounts as possible when it comes to your auto insurance policy is always a good idea.
Not every insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:
- Multi-car discounts for having several vehicles on your auto policy
- Pay-in-full discounts for drivers who choose to pay their entire policy premium at once, rather than by monthly payments
- Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
These discounts are great, but some of the best ways to save are just by having a positive insurance profile and good driving history.
Of course, you can't control every single aspect of your auto insurance profile (like some of the factors we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the factors you can use to your advantage in order to save money on car insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
You've almost certainly noticed ads from insurance companies offering hefty discounts for responsible drivers. It should be no surprise that if you get into an accident or get a ticket for speeding, auto insurance premiums will go higher. But you still might be left wondering exactly how much collisions and moving violations will cost you.
As you can tell from the table above, accidents will usually cost XJ drivers more than tickets, but both will result in higher than normal rates. Jaguar XJ drivers with one ticket will pay an average of $76 monthly, while drivers with a single accident on their record pay about $78 per month (up $14 from the $64/mo. overall average). The rates only increase the more tickets you get or collisions you have.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
Another factor that affects your car insurance rates is the total distance you drive. Those who drive less are less likely to get into collisions, so they'll normally get lower prices. Based on the table above, you can see that Jaguar XJ owners who drive fewer than 2,500 miles each year pay about $51 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $67.
If you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.
How Do Jaguar XJs Compare to Other Vehicles?
If you're considering buying a Jaguar XJ, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.
Check out the table below to see how the Jaguar XJ stacks up:
|Jaguar XJ||National Average|
|Full Coverage Insurance||$113||$169|
|Average Annual Mileage||10,508||11,617|
Overall, the Jaguar XJ is on the more expensive side when it comes to price, with an MSRP that's a quarter more than the going rate for a new vehicle. The XJ goes for $76,000, a bit more expensive than the national average vehicle price of $46,074.
Although the XJ's price is on the high end of the spectrum, car insurance premiums run below average when compared to the rest of the vehicle market. Full coverage insurance for a Jaguar XJ is about $56 a month cheaper than average, while liability only coverage is per month.
When it comes to usage, Jaguar XJ drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the XJ's 10,508 a year.
Jaguar XJ Car Insurance Costs by Model Year
So far, you've seen how different variables have an impact on what you'll pay for insurance. If you're in the market for a new car, truck, or SUV and the XJ is on your wishlist, knowing what you'll likely pay for the specific car you're looking at can be extremely helpful as you weigh your options.
2019 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$21|
|Full Coverage Avg. Premium||$113|
|Cheapest Insurance Company||MetroMile - $21/mo.|
|Available Trims||PORTFOLIO, R - SPORT, R575, SUPERCHARGED|
The average cost to insure a 2019 XJ with liability only coverage is $21 a month, while full coverage runs around $113 monthly.
If you're looking for the most affordable 2019 Jaguar XJ insurance policy, MetroMile offered the lowest policy we found, with rates as low as just $21 per month.
While these are good estimates of what the average driver might pay to insure a 2019 Jaguar XJ, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2017 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$53|
|Full Coverage Avg. Premium||$304|
|Cheapest Insurance Company||Esurance - $53/mo.|
|Available Trims||LONG WHEEL BASE, PORTFOLIO, SUPERCHARGED, XJ, XJR|
On average, drivers who own a 2017 Jaguar XJ can expect to pay $53 to $304 a month for liability only and full coverage auto insurance, respectively.
Esurance offered the cheapest policy we found, with rates as low as $53 monthly.
If you want to find the best premiums for car insurance for a 2017 Jaguar XJ, enter your ZIP code below and compare a bunch of personalized quotes in just a few minutes.
2016 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$59|
|Full Coverage Avg. Premium||$271|
|Cheapest Insurance Company||Liberty Mutual - $30/mo.|
|Available Trims||LONG WHEEL BASE, PORTFOLIO, SUPERCHARGED, XJ, XJR|
You can expect full coverage for a 2016 XJ to run about $271 per month, while liability only coverage will average around $59 a month.
With rates as cheap as $30 per month, Liberty Mutual offered the most affordable policy we found.
Want something more accurate than national averages? Enter your ZIP code below to get several free customized quotes.
2015 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$67|
|Full Coverage Avg. Premium||$197|
|Cheapest Insurance Company||Verti - $40/mo.|
|Available Trims||PORTFOLIO, SUPERCHARGED, XJ, XJR|
It costs about $67 monthly for liability or $197 for a full coverage policy for the 2015 Jaguar XJ.
We found Verti offered the cheapest policy, with rates as cheap as just $40 per month.
If you want to know exactly how much you can expect to pay for your XJ, just enter your ZIP code below and get free quotes in minutes.
2014 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$99|
|Full Coverage Avg. Premium||$212|
|Cheapest Insurance Company||DirectGeneral - $33/mo.|
|Available Trims||PORTFOLIO, SUPERCHARGED, XJ, XJR|
2014 XJ drivers can expect to pay an average of $99 a month for liability or $212 for full coverage.
With premiums as little as $33 monthly, DirectGeneral offered the lowest policy we found for the 2014 Jaguar XJ.
If you want to find the best prices for insurance for a 2014 Jaguar XJ, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.
2013 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$75|
|Full Coverage Avg. Premium||$195|
|Cheapest Insurance Company||Mercury - $27/mo.|
|Available Trims||PORTFOLIO, SUPERCHARGED, SUPERSPORT, ULTIMATE, XJ|
On average, drivers who own a 2013 Jaguar XJ can expect to pay $75 to $195 per month for liability only and full coverage auto insurance, respectively.
Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as cheap as $27 monthly.
Want to know exactly what your insurance price will be? Just enter your ZIP code below to get lots of free personalized quotes.
2012 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$90|
|Full Coverage Avg. Premium||$219|
|Cheapest Insurance Company||MetroMile - $29/mo.|
|Available Trims||SUPERCHARGED, SUPERSPORT, XJ, XJL|
You can expect full coverage for a 2012 XJ to run around $219 a month, while liability only coverage will average about $90 monthly.
MetroMile has premiums sometimes as low as $29 a month for the 2012 Jaguar XJ.
If you want to know exactly how much you can expect to pay for your XJ, just enter your ZIP code below and get several free quotes in minutes.
2011 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$73|
|Full Coverage Avg. Premium||$207|
|Cheapest Insurance Company||MetroMile - $22/mo.|
|Available Trims||SUPERCHARGED, SUPERSPORT, XJ, XJL|
2011 Jaguar XJ drivers can expect to pay an average of $73 per month for liability or $207 for full coverage.
MetroMile offered the cheapest policy we found, with rates as low as just $22 monthly.
Want to figure out exactly what you'll be asked to pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a whole bunch of personalized quotes from the nation's top insurance carriers.
2009 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$38|
|Full Coverage Avg. Premium||$173|
|Cheapest Insurance Company||StateAuto - $26/mo.|
|Available Trims||L, PORTFOLIO, SUPER V8, XJ8, XJR|
The average cost to insure a 2009 XJ with liability only coverage is $38 a month, while full coverage runs around $173 per month.
With rates as little as $26 a month, StateAuto offered the most affordable policy we found for the 2009 Jaguar XJ.
These average prices are a great starting point if you're in the market for a 2009 Jaguar XJ, but there are a multitude of factors 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.
2008 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$72|
|Full Coverage Avg. Premium||$159|
|Cheapest Insurance Company||AnswerFinancial - $36/mo.|
|Available Trims||L, SUPER V8, VANDEN PLAS, XJ8, XJR|
It costs about $72 monthly for liability or $159 for a full coverage policy for the 2008 Jaguar XJ.
AnswerFinancial has premiums as cheap as $36 per month for the 2008 Jaguar XJ.
Interested in what your auto insurance rate could look like? Enter your ZIP code below to get a variety of personalized quotes for free.
2007 Jaguar XJ Car Insurance
|Liability Only Avg. Premium||$78|
|Full Coverage Avg. Premium||$137|
|Cheapest Insurance Company||Liberty Mutual - $27/mo.|
|Available Trims||L, XJ8, XJR|
The average cost to insure a 2007 XJ with liability only coverage is $78 monthly, while full coverage runs around $137 per month.
Looking for the lowest policy? Liberty Mutual offered liability only coverage for as low as $27 a month.
If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.
Jaguar XJ Insurance FAQs
Is a Jaguar XJ expensive to insure?
Liability insurance runs an average of $64 per month, while full coverage will cost you around $183. It costs more to insure a Jaguar XJ when compared to the average vehicle.
How can I get the best price on car insurance for my Jaguar XJ?
There's only one way to guarantee you're getting the most affordable 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 prices from several companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Jaguar XJ affect my insurance rates?
Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's actually not true. Even though there are many things car insurance carriers examine when they decide your auto insurance rate, your Jaguar XJ's color is not factored into that decision.
Do I need to have insurance before I buy a Jaguar XJ?
You'll need to have a valid insurance policy before you can legally drive your new (or new to you) XJ off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your car insurance carrier know ahead of time.
What car insurance discounts can I get for my Jaguar XJ?
There are all sorts of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your car and more on you, but if your XJ has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to know is to reach out to your insurance company and ask about their discounts, since they fluctuate quite a bit from carrier to carrier.