Jaguar XJ Car Insurance Cost 2025
The average cost of insurance for a Jaguar XJ is $2,529 per year. However, your exact premium may vary depending on factors such as your age, the model year of your car, your location, and other personal details. To get a better estimate of your specific costs, check out our quote tables below.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re considering purchasing a Jaguar XJ, it’s important to consider the cost of insurance. On average, insurance for a Jaguar XJ costs $2,529 per year. Insurance is a significant aspect of owning a car, and it’s crucial to understand the financial commitment before making a decision.
Selecting the right car insurance is essential to avoid unexpected and potentially costly surprises in the future. It’s crucial to have adequate coverage in case of an accident to avoid substantial out-of-pocket expenses. Additionally, being at fault in an accident could lead to higher premiums.
With over ten years of experience studying car insurance rates, I’ve noticed how much these costs can vary. Your age, driving history, and location are all significant factors that can influence your insurance premiums.
How Much Does Jaguar XJ Car Insurance Cost?
Typically, Jaguar XJ drivers can find car insurance at an average rate of $2,529 per year. However, keep in mind that your rate can fluctuate based on factors such as your driving history, age, and location. It’s a good idea to compare quotes from different providers to find the best deal for your profile.
It’s crucial to recognize that the cost of car insurance can vary significantly due to several factors. These include location, driving history, the model year of your car, and the specific coverage options you select. For example, maintaining a clean driving record can result in lower premiums, while a history of accidents or traffic violations may lead to higher costs.
Residing in an urban area with heavy traffic might lead to higher insurance rates compared to rural areas with less traffic. The type of coverage you choose also plays a role — comprehensive insurance, which includes both comprehensive and collision coverage, generally costs more than minimum liability coverage.
As seen in the table below, the cost of insurance for a Jaguar XJ is lower compared to the average cost of all Jaguar models. However, it is higher than the average cost for all cars.
Insuranceopedia can help you compare quotes from various auto insurance companies, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Jaguar XJ | $184 |
| All Jaguars | $191 |
| All Cars | $175 |
Average Insurance Cost Of Jaguar XJ By Model Year
| Model Year | Average Premium |
| 2019 Jaguar XJ | $5,282 |
| 2018 Jaguar XJ | $2,199 |
| 2017 Jaguar XJ | $3,449 |
| 2016 Jaguar XJ | $1,942 |
| 2015 Jaguar XJ | $1,367 |
| 2014 Jaguar XJ | $1,239 |
| 2013 Jaguar XJ | $1,858 |
| 2012 Jaguar XJ | $1,860 |
| 2011 Jaguar XJ | $1,599 |
2019 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2019 Jaguar XJ is $5,282. However, State Farm offers the cheapest rates, averaging $2,529 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $4,502 |
| Direct General Insurance | $6,810 |
| Allied | $5,026 |
| State Farm | $2,529 |
| Metropolitan | $8,016 |
| Allstate | $4,686 |
| United Automobile Ins Group | $5,407 |
2018 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2018 Jaguar XJ is $2,199. However, Texas Farm Bureau Group offers the cheapest rates, averaging $784 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $784 |
| State Farm | $2,052 |
| USAA | $2,293 |
| West Bend Mutual | $2,356 |
| Farm Bureau Mutual (IA Group) | $2,268 |
| Republic Indemnity | $2,353 |
| Farmers | $2,542 |
| Country | $2,831 |
| Central Mutual Insurance Co | $2,121 |
| Electric | $2,393 |
2017 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2017 Jaguar XJ is $3,449. However, Mercury offers the cheapest rates, averaging $2,161 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $3,162 |
| Mercury | $2,161 |
| State Farm | $3,234 |
| United Automobile Ins Group | $3,570 |
| Allied | $2,753 |
| Travelers | $3,761 |
| Country | $3,341 |
| Erie | $4,070 |
| Auto-Owners Insurance Co | $4,084 |
| Safe Auto | $4,355 |
2016 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2016 Jaguar XJ is $3,449. However, American National P offers the cheapest rates, averaging $736 per year.
| Insurance Provider | Average Annual Cost |
| Georgia Farm Bureau | $1,929 |
| Unitrin | $2,124 |
| California Capital | $2,427 |
| Auto-Owners Insurance Co | $1,484 |
| State Farm | $2,645 |
| American National P | $736 |
| ACCC Insurance Company | $1,588 |
| Country | $1,690 |
| Southern Farm Bureau | $2,170 |
| Mercury | $2,622 |
2015 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2015 Jaguar XJ is $1,367. However, Mercury Insurance Company offers the cheapest rates, averaging $484 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $1,142 |
| Liberty Mutual | $1,755 |
| Penn National | $770 |
| Texas Farm Bureau Group | $1,638 |
| USAA | $1,625 |
| Auto-Owners Insurance Co | $1,569 |
| Westfield | $1,810 |
| Mercury Insurance Company | $484 |
| Erie | $1,473 |
| Kentucky Farm Bureau | $1,405 |
2014 Jaguar XJInsurance Rates
The average annual insurance cost for a 2014 Jaguar XJ is $1,239. However, Penn National offers the cheapest rates, averaging $819 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $992 |
| American Family | $1,371 |
| Western Reserve | $1,551 |
| Central Mutual Insurance Co | $1,220 |
| Virginia Farm Bureau | $1,197 |
| Penn National | $819 |
| Hastings Mutual Insurance Co | $982 |
| Direct Auto | $1,577 |
| Grange Mutual | $1,115 |
| Farmers | $1,568 |
2013 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2013 Jaguar XJ is $1,858. However, Mercury Insurance Company offers the cheapest rates, averaging $444 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,281 |
| Country | $2,215 |
| SafeAuto | $2,023 |
| Mercury Insurance Company | $444 |
| Dairyland Auto | $2,566 |
| NatGen Value | $2,693 |
| National General | $577 |
| Farm Bureau Mutual (IA Group) | $1,212 |
| Mercury | $2,256 |
| Esurance | $2,309 |
2012 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2012 Jaguar XJ is $1,860. However, SafeAuto offers the cheapest rates, averaging $733 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $733 |
| Hastings Mutual Insurance Co | $1,586 |
| Pekin Insurance | $1,737 |
| Country | $1,732 |
| Grange Mutual | $1,309 |
| SECURA Insurance | $1,819 |
| Mercury Insurance | $2,371 |
| California Capital | $2,478 |
| NatGen PPA | $2,439 |
| USAA | $2,394 |
2011 Jaguar XJ Insurance Rates
The average annual insurance cost for a 2011 Jaguar XJ is $1,599. However, Texas Farm Bureau Group offers the cheapest rates, averaging $731 per year.
| Insurance Provider | Average Annual Cost |
| Country | $1,830 |
| Texas Farm Bureau Group | $731 |
| Erie | $1,692 |
| USAA | $2,008 |
| Pekin Insurance | $1,639 |
| SECURA Insurance | $1,470 |
| Buckeye Insurance Group | $1,617 |
| Georgia Farm Bureau | $1,873 |
| Indiana Farmers Mutual Ins | $1,396 |
| Western Reserve | $1,732 |
Find Affordable Jaguar XJ Insurance Rates
Is A Jaguar XJ Expensive To Insure?
The cost to insure a Jaguar XJ is higher than the overall average for all cars. However, the exact amount you’ll pay for car insurance will depend on several factors, such as your age, the age of your car, location, and more. These factors can either increase or decrease your premiums, so it’s important to shop around for the best possible rate based on your specific profile.
Cheapest Car Insurance Companies For A Jaguar XJ
If you’re looking to purchase a new car insurance policy for your Jaguar XJ, you might want to know which companies offer the most affordable rates. For drivers focused on getting the cheapest policy, MetroMile offers a premium as low as $22 per month, making them the most affordable option for a Jaguar XJ. However, keep in mind that rates can vary based on your driver profile, so this rate is just an average. To find the best rates for your personal situation, it’s a good idea to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| MetroMile | $22 |
| Hallmark | $64 |
| DirectGeneral | $37 |
| Workmens | $40 |
| Verti | $39 |
Common Jaguar XJ Insurance Discounts
Discounts are a great way to reduce your car insurance costs. While each auto insurance provider may offer their own discounts, some common ones you can check eligibility for include:
- Multi-policy: If you bundle your home and auto insurance policies with one provider, you could get a discounted rate.
- Pay annually: You may qualify for a discount if you pay your premium in full for the year instead of spreading payments out monthly.
- Defensive driving: Completing a certified defensive driving course can make you eligible for discounts.
Additionally, there may be other discounts available based on your driving habits, vehicle safety features, or membership in certain organizations. Be sure to ask your insurance agent about any discounts you may be eligible for.
Ways To Save On Jaguar XJ Insurance Costs
Maintaining a clean driving record is crucial for keeping your Jaguar XJ insurance costs down. A speeding ticket or an accident can lead to higher premiums. For example, Jaguar XJ drivers with a ticket on their record may pay about $77 per month, while those with multiple accidents might see their premiums rise to around $103 per month.
Additionally, the amount of annual mileage you put on your car can affect your rates. Drivers who travel fewer miles each year are generally seen as lower risk, leading to lower premiums. For instance, Jaguar XJ drivers who drive between 7,501-10,000 miles annually can expect to pay around $65 per month, while those who drive more than 10,000 miles annually may pay $69 per month.
Compare Jaguar XJ To Other Jaguar Models
Looking for other Jaguar model insurance costs?
Our Methodology
Insuranceopedia calculates average car insurance costs by aggregating thousands of quotes from leading providers. The sample profile used for this calculation was a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. It's important to note that your individual results may differ from these averages, as your personal details, such as age, driving history, and location, will influence the final premium.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Jaguar XJ?
Yes, you will need proof of insurance before driving your Jaguar XJ out of the dealership. It’s a good idea to purchase an insurance policy beforehand and notify your insurer that you’re about to buy your car. This way, you can ensure that your coverage is active as soon as you drive off the lot, rather than relying on the dealership’s insurance. Make sure to have your policy details on hand for the dealership when you finalize the purchase.
How Can You Get The Cheapest Insurance For Your Jaguar XJ?
The best way to find affordable insurance for your Jaguar XJ is by comparing quotes from different auto insurance providers. By shopping around, you can ensure you’re getting the most competitive rate based on your driving profile and needs. Fortunately, websites like Insuranceopedia allow you to easily compare quotes from multiple companies, helping you find the best deal without the hassle of contacting each insurer individually.
