Thanks in part to the F-Type’s coupe body, its insurance rate is low for a luxury performance car. Compare coverage, rates, discounts and more for F-Type car insurance. The F-Type’s average insurance rate is $148 per month, or $1,776 per year. Expect that number to climb if you choose the F-Type convertible. Compared to the national average of $1,426 per year, the F-Type’s rate is $350 more expensive. Filter car insurance companies by your state to get a quote.
The Jaguar F-Type has a bit lower price tag than other luxury performance vehicles, making it less expensive to insure. Though its convertible model might increase your premium a bit.
This precision automobile is covered by many insurance providers. But if you have trouble getting insurance for your new Jaguar, you may need to look into specialty insurers of exotic vehicles and sports cars.
Body type. The F-Type comes as an entry level luxury coupe or convertible. The coupe will likely give you a lower insurance premium than the convertible. In general, convertibles are more of a safety risk due to their performance build and decreased top protection during an accident.
Price tag. Price-wise, the F-Type is on the lower end of luxury performance cars. It starts around $62,000 MSRP.
Fuel. The F-Type is rated 23 mpg city and 30 mpg highway.
Maintenance. Maintenance and repairs can be more expensive when going to a Jaguar specialist. In general, though, annual maintenance for this vehicle is average at about $1,400 per year. It also comes with a complimentary maintenance plan, letting Jaguar foot that bill for the first few years.
Coverage. You might consider higher maximums and extra protection like comprehensive, loan/lease gap and uninsured/underinsured motorist coverage. You could also opt for luxury car insurance, which often accounts for higher limits and agreed value coverage.
Warranty. This car comes with a limited and powertrain warranty for five years or 60,000 miles, plus a complimentary 5-year, 60,000-mile maintenance plan.
Manufacturer offer. Jaguar offers to finance all F-Type models at 1.9% APR for 36 months. That’s less than half the average loan rate for vehicles overall.
Does the Jaguar F-Type qualify for discounts?
The F-Type comes with a healthy list of safety features, which might help you get an insurance discount:
Anti-theft system
Airbags
Anti-lock brakes
Electronic stability control
InControl Protect Emergency SOS
Lane departure warning
Forward collision warning
Parking sensors
Emergency braking
Low tire pressure warning
Back-up camera
Why are insurance rates above-average for the Jaguar F-Type?
For a luxury sports car, the F-Type has relatively low insurance rates. However, its rate is still above the national average for several reasons:
Higher MSRP. The F-Type starts at around $60,000. While certainly not cheap, this is economical for a luxury car. That price tag will cost your insurance company more for repairs during an accident, though.
Higher coverage. If you choose optional coverage or luxury car insurance, you’ll see an increased rate. But you’ll also get premium coverage in exchange.
Specialized repairs. If you need specialized parts or a Jaguar mechanic, repairs will cost more. Your insurance company compensates for that risk by increasing rates.
Convertible top. The F-Type comes with a convertible option, making it riskier for passengers using that feature on the road.
Engine power. The F-Type has more horsepower than many other engines, possibly making it more tempting to drive at high speeds.
How reliable is the Jaguar F-Type?
Overall, the F-Type may stand at a disadvantage for reliability due to its many recalls. There also isn’t much information on its crash test safety and long-term reliability. These factors may cause an increased insurance premium with some companies.
Safety. The F-Type isn’t rated by the IIHS or NHTSA, likely due in part to the fact that it’s fairly new to the market. Also, Jaguars aren’t mainstream cars, making them lower on the list for safety testing versus other vehicles.
Reliability. Since this car’s oldest model only goes back a few years, the F-Type doesn’t have much information on long-term reliability. However, several car review sites have given it a slightly above average rating due to its tried and true engine and minimal out-of-pocket repairs.
Recalls. The F-Pace has multiple recalls, including seatbelt and seatbelt sensor issues, problems involving the battery positive cable, drive belt and power steering, turn signal and fuel rail end cap issues.
Bottom line
The Jaguar F-Type has several safety features, an extensive warranty and low-interest financing. All of these features combine to form a low insurance premium compared to other luxury vehicles.
Before making your decision, compare car insurance providers or research other vehicle makes or models.
Frequently asked questions about the F-Type
The 2019 F-Type can go from 0 to 60 mph in 3.5 seconds. The coupe also reaches a top speed of 200 mph.
According to Jaguar, you can lease the F-Type for $529 per month as of early 2019. You’ll also be required to pay $4,995 upfront when signing your 39-month lease.
The F-Type went into mass production with its 2014 model.
Sarah George is Staff Writer for Small Business Loans at BankRate and formally a personal finance writer at Finder focusing on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance. See full bio
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