Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Jaguar XE? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Jaguar XE insurance facts

  • Average full coverage auto insurance premium: $152/month

  • Most affordable companies: Auto-Owners Family ($123/month) & USAA ($129/month)

  • XE insurance cost vs. average rates: $14 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Jaguar EX by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Jaguar EX insurer costs by state:

Risk factors affecting Jaguar XE insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Jaguar EX car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Jaguar models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Jaguar luxury automobile brand

Jaguar is a luxury vehicle brand of Jaguar Land Rover specializing in performance sports and luxury cars. The target market of Jaguar is “customers who are successful, aristocrat type, upper-income class group” that demand a classy high-end design and driver-assist technologies. All Jaguar automobiles have high safety ratings with EURO NCAP. Still, there isn’t a “Top Safety Pick” or 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA) for Jaguar cars in the United States market. According to CarandDriver.com, the Jaguar F-PACE is their top-selling vehicle in the United States.

Higher than average Jaguar XE repair costs equal higher coverage rates

Many consumers are attracted to Jaguar’s high-end features, classy design, best quality materials, and driver-assist technologies, like Jaguar’s Driver Assist Package. Automotive parts are not nearly as common and more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Jaguar is higher than average since repair parts are more costly. For this reason, many Jaguar’s are going to have higher than average insurance rates to similar cars in their class.

Rapid depreciation for Jaguar XE affecting auto policies

Another factor to consider for Jaguar is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Jaguar models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

No Jaguar IIHS and NHTSA safety ratings increasing car insurance rates for drivers

Jaguars are known for their safety ratings and safety features conducted by EURO NCAP and driver-assist technologies such as forward collision warning with active braking technology. Lack of safety ratings and “Top Safety Pick” from the Insurance Institute for Highway Safety (IIHS) and NHTSA leads to higher than average car insurance rates for Jaguar drivers. With a good driving record, you can get lower than average insurance rates by 15 to 20%. With Jaguar’s passive restraints and safety features, you can get lower your insurance costs by an additional 10% with driver discounts available with major auto insurance companies.

AutoInsureSavings.org licensed insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Jaguar automobile owners when buying an insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Jaguar XE

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2354
American Family$2264
Auto-Owners$1480
Erie$1743
Farmers$2149
GEICO$1864
Mercury$2312
MetLife$2621
Nationwide$1955
Progressive$1687
Safe Auto$2430
State Farm$2016
Tennessee Farmers$2302
Travelers$2391
USAA$1536
Vermont Mutual$2519

Compare all 2020 Jaguar XE rates

Average Cost to Insure Per Year

$1834

List Price

$39900

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 25t Prestige - 35t Premium - 20d Prestige - 25t R-Sport - 30t Prestige - 35t Prestige - 20d R-Sport - 35t R-Sport - 30t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition - Engine: 2.0-liter turbocharged Ingenium four-cylinder engine with 247 HP with driver assist technologies: Autonomous Emergency Braking, Lane Departure Warning, Traffic Sign Recognition and Speed Limiter, Driver Condition Monitor, Adaptive Cruise Control with Queue Assist, Intelligent Emergency Braking, Blind Spot Monitor, Blind Spot Assist, Park Assist, 360-Degree Parking Aid – with passive and active safety features: Airbags, Anti-lock brakes, Electronic Stability Control (ESC), Pretensioners, InControl Remote SOS Emergency Call, and Back-Up Camera

2019 Jaguar XE

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1965
American Family$1653
Auto-Owners$1254
Direct Auto$1855
Erie$1375
Farmers$1610
GEICO$1423
MetLife$2357
Nationwide$1489
Progressive$1351
Safe Auto$2149
State Farm$1527
Tennessee Farmers$1734
Travelers$2016
USAA$1267
Vermont Mutual$2248

Compare all 2019 Jaguar XE rates

Average Cost to Insure Per Year

$1753

List Price

$36995

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 25t Prestige - 35t Premium - 20d Prestige - 25t R-Sport - 30t Prestige - 35t Prestige - 20d R-Sport - 35t R-Sport - 30t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition - Engine: 2.0-liter turbocharged Ingenium four-cylinder engine with 247 HP with driver assist technologies: Autonomous Emergency Braking, Lane Departure Warning, Traffic Sign Recognition and Speed Limiter, Driver Condition Monitor, Adaptive Cruise Control with Queue Assist, Intelligent Emergency Braking, Blind Spot Monitor, Blind Spot Assist, Park Assist, 360-Degree Parking Aid – with passive and active safety features: Airbags, Anti-lock brakes, Electronic Stability Control (ESC), Pretensioners, InControl Remote SOS Emergency Call, and Back-Up Camera

2018 Jaguar XE

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1595
Acuity$ 1595
Allied$ 1344
Allied$ 1344
Erie$ 1051
Erie$ 1051
GEICO$ 1014
GEICO$ 1014
Mercury$ 1204
Mercury$ 1204
Nationwide$ 1236
Nationwide$ 1236
Plymouth Rock Insurance$ 1677
Plymouth Rock Insurance$ 1677
Progressive$ 1173
Progressive$ 1173
State Farm$ 1128
State Farm$ 1128
Tennessee Farmers$ 1570
Tennessee Farmers$ 1570
USAA$ 1042
USAA$ 1042
Vermont Mutual$ 1695
Vermont Mutual$ 1695

Compare all 2018 Jaguar XE rates

Average Cost to Insure Per Year

$ 1431

List Price

$ 35725

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 25t Prestige - 35t Premium - 20d Prestige - 25t R-Sport - 30t Prestige - 35t Prestige - 20d R-Sport - 35t R-Sport - 30t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition

2017 Jaguar XE

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1489
Acuity$ 1489
Allied$ 1474
Allied$ 1474
American Family$ 1513
American Family$ 1513
Erie$ 910
Erie$ 910
GEICO$ 815
GEICO$ 815
Mercury$ 1147
Mercury$ 1147
Nationwide$ 1134
Nationwide$ 1134
Progressive$ 1057
Progressive$ 1057
State Farm$ 973
State Farm$ 973
Tennessee Farmers$ 1174
Tennessee Farmers$ 1174
Texas Farm Bureau$ 1074
Texas Farm Bureau$ 1074
USAA$ 987
USAA$ 987

Compare all 2017 Jaguar XE rates

Average Cost to Insure Per Year

$ 1263

List Price

$ 34900

Trims Available

25t - 20d - 25t Premium - 20d Premium - 25t Prestige - 35t Premium - 20d Prestige - 35t Prestige - 20d R-Sport - 35t R-Sport - 35t First Edition