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 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. 

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 XJ insurer costs by state:

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 scoretype 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 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 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.

2019 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3064
Allstate$2536
American Family$2378
Amica$3280
Country Financial$2716
Erie$2016
GEICO$2130
Kentucky Farm Bureau$2795
Liberty Mutual$2146
Mercury$2424
MetLife$3148
Nationwide$1840
Progressive$1916
State Farm$2224
Tennessee Farmers$2389
Texas Farm Bureau$2287
The Hanover$2856
Travelers$2613
USAA$2006

Compare all 2019 Jaguar XJ rates

Average Cost to Insure Per Year

$2543

List Price

$75700

Trims Available

R-Sport - Supercharged - Engine: 5.0 L supercharged V8 engine 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 XJ

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $3059
Allstate$2490
American Family$2264
Amica$3016
Country Financial$2649
Erie$1971
GEICO$2035
Kentucky Farm Bureau$2741
Liberty Mutual$2098
Mercury$2387
MetLife$2853
Nationwide$1788
Progressive$1865
State Farm$2153
Tennessee Farmers$2315
Texas Farm Bureau$2203
The Hanover$2790
Travelers$2588

Compare all 2018 Jaguar XJ rates

Average Cost to Insure Per Year

$2354

List Price

$75400

Trims Available

R-Sport - Supercharged - Engine: 5.0 L supercharged V8 engine 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

2017 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2183
Acuity$ 2183
Allied$ 1798
Allied$ 1798
Arbella$ 2170
Arbella$ 2170
Country$ 2268
Country$ 2268
Erie$ 1629
Erie$ 1629
Mercury$ 2071
Mercury$ 2071
Nationwide$ 1946
Nationwide$ 1946
Plymouth Rock Insurance$ 1928
Plymouth Rock Insurance$ 1928
Progressive$ 2175
Progressive$ 2175
Tennessee Farmers$ 1313
Tennessee Farmers$ 1313
Texas Farm Bureau$ 1464
Texas Farm Bureau$ 1464
USAA$ 2034
USAA$ 2034

Compare all 2017 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2130

List Price

$ 74400

Trims Available

R-Sport - Supercharged

2016 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2043
Acuity$ 2043
Allied$ 1935
Allied$ 1935
Arbella$ 2037
Arbella$ 2037
Country$ 2119
Country$ 2119
Erie$ 1454
Erie$ 1454
Mercury$ 2031
Mercury$ 2031
Nationwide$ 2032
Nationwide$ 2032
Plymouth Rock Insurance$ 1832
Plymouth Rock Insurance$ 1832
Progressive$ 1894
Progressive$ 1894
Tennessee Farmers$ 1262
Tennessee Farmers$ 1262
Texas Farm Bureau$ 1428
Texas Farm Bureau$ 1428
USAA$ 1865
USAA$ 1865

Compare all 2016 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2155

List Price

$ 74400

Trims Available

R-Sport - Supercharged

2015 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2135
Acuity$ 2135
Allied$ 2060
Allied$ 2060
Arbella$ 2125
Arbella$ 2125
Country$ 2157
Country$ 2157
Erie$ 1564
Erie$ 1564
Mercury$ 1996
Mercury$ 1996
Nationwide$ 2166
Nationwide$ 2166
Plymouth Rock Insurance$ 1807
Plymouth Rock Insurance$ 1807
Progressive$ 2105
Progressive$ 2105
Tennessee Farmers$ 2115
Tennessee Farmers$ 2115
Texas Farm Bureau$ 1391
Texas Farm Bureau$ 1391
USAA$ 2013
USAA$ 2013

Compare all 2015 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2112

List Price

$ 74200

Trims Available

Base - Supercharged

2014 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2169
Acuity$ 2169
Allied$ 2009
Allied$ 2009
Arbella$ 2116
Arbella$ 2116
Country$ 2186
Country$ 2186
Erie$ 1281
Erie$ 1281
Mercury$ 1962
Mercury$ 1962
Nationwide$ 2163
Nationwide$ 2163
Plymouth Rock Insurance$ 1762
Plymouth Rock Insurance$ 1762
Progressive$ 2244
Progressive$ 2244
Tennessee Farmers$ 2168
Tennessee Farmers$ 2168
Texas Farm Bureau$ 1351
Texas Farm Bureau$ 1351
USAA$ 1938
USAA$ 1938

Compare all 2014 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2037

List Price

$ 74200

Trims Available

Base - Supercharged

2013 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 2089
Allied$ 2089
Arbella$ 2080
Arbella$ 2080
Country$ 2180
Country$ 2180
Erie$ 1147
Erie$ 1147
Mercury$ 1951
Mercury$ 1951
Nationwide$ 2174
Nationwide$ 2174
Plymouth Rock Insurance$ 1816
Plymouth Rock Insurance$ 1816
Progressive$ 1789
Progressive$ 1789
State Farm$ 1933
State Farm$ 1933
Tennessee Farmers$ 2151
Tennessee Farmers$ 2151
Texas Farm Bureau$ 1316
Texas Farm Bureau$ 1316
USAA$ 1780
USAA$ 1780

Compare all 2013 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2078

List Price

$ 73200

Trims Available

Base - Supercharged - Supersport

2012 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2075
Acuity$ 2075
Allied$ 2163
Allied$ 2163
Arbella$ 2025
Arbella$ 2025
Country$ 2120
Country$ 2120
Erie$ 1157
Erie$ 1157
Mercury$ 1956
Mercury$ 1956
Plymouth Rock Insurance$ 1656
Plymouth Rock Insurance$ 1656
Progressive$ 2180
Progressive$ 2180
State Farm$ 1892
State Farm$ 1892
Tennessee Farmers$ 2121
Tennessee Farmers$ 2121
Texas Farm Bureau$ 1280
Texas Farm Bureau$ 1280
USAA$ 1680
USAA$ 1680

Compare all 2012 Jaguar XJ rates

Average Cost to Insure Per Year

$ 2039

List Price

$ 73700

Trims Available

Base - Supercharged - Supersport

2011 Jaguar XJ

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1930
Acuity$ 1930
Allied$ 1805
Allied$ 1805
Arbella$ 1588
Arbella$ 1588
Country$ 1808
Country$ 1808
Erie$ 1353
Erie$ 1353
Mercury$ 1883
Mercury$ 1883
Plymouth Rock Insurance$ 1578
Plymouth Rock Insurance$ 1578
Southern Farm Bureau$ 1914
Southern Farm Bureau$ 1914
Tennessee Farmers$ 1793
Tennessee Farmers$ 1793
Texas Farm Bureau$ 1240
Texas Farm Bureau$ 1240
USAA$ 1544
USAA$ 1544
Vermont Mutual$ 1685
Vermont Mutual$ 1685

Compare all 2011 Jaguar XJ rates

Average Cost to Insure Per Year

$ 1792

List Price

$ 72700

Trims Available

Base - Supercharged - Supersport