Jaguar XJ Car Insurance Cost

Are you looking for a used Jaguar XJ? 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 XJ car insurance facts

• Average full coverage auto insurance premium: $211/month

• Most affordable companies: Nationwide ($153/month) & Progressive ($162/month)

• XJ insurance cost vs. average rates: $126 more expensive than the average vehicle

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

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

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Below average Jaguar XJ insurer costs by state:

• Arizona car insurance – $1,743 per year

• Kentucky car insurance – $2,157 per year

• Florida car insurance – $2,723 per year

• Louisiana – $3,180 per year

• New Mexico – $1,659 per year

• Wisconsin – $1,881 per year 

Risk factors affecting Jaguar XJ car 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 score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Jaguar XJ 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 XJ 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 Toyota, Honda, 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 car insurance rates to similar cars in their class.

Rapid depreciation for Jaguar XJ 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 car insurance costs by an additional 10% with driver discounts available with major auto insurance companies.

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

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