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Jaguar XJ car insurance rates

What to expect when insuring your Jaguar XJ

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Owning an XJ may mean higher insurance rates. The luxury sedan comes with a high sticker price, high theft rates and low reliability. On the other hand, the XJ could qualify for discounts with its many safety features.

This car’s average insurance rate is $158 per month or $1,896 per year. Compared to the national average of $1,426 per year, this rate is $470 more expensive than average.

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Get the cheapest quotes for your Jaguar XJ

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How do I compare insurance for the XJ?

The Jaguar XJ is a heavier luxury sedan with a high initial cost, which may cause higher insurance rates. Some other comparison points include:

  • Body type. The XJ is a luxury sedan series with a variety of trims. The body has a heavier vehicle weight for a sedan — a factor that may raise your premium. Heavier vehicles are considered more likely to cause more damage during an accident.
  • Price tag. This car has a high price tag for a sedan, although moderate for a luxury performance car. The ticket price starts at around $76,000 MSRP.
  • Theft. XJs are known for high theft rates, with dozens of theft reports across all trims. Consider adding comprehensive coverage to combat its higher theft rates.
  • Fuel. This sedan gets moderate fuel efficiency at 18 mpg city and 27 mpg highway.
  • Maintenance. Jaguar offers a complimentary maintenance plan for all new XJ models.
  • Coverage. Consider higher maximum limits and additional coverage to protect you from out-of-pocket repairs after an accident. Those include loan/lease gap coverage, collision and uninsured/underinsured motorist.
  • Warranty. This car comes with a limited warranty that includes scheduled maintenance and roadside assistance for five years or 60,000 miles.

Does the Jaguar XJ qualify for discounts?

This car comes with many safety features that could help you receive an insurance discount:

  • Anti-theft system
  • Airbags
  • Anti-lock brakes
  • Child safety locks
  • Electronic stability control
  • Driveline traction control
  • InControl Protect Emergency SOS
  • Parking sensors
  • Rear collision warning
  • Low tire pressure warning
  • Blind spot sensor
  • Back-up camera

How reliable is the Jaguar XJ?

The XJ has poor reliability based on its lack of crash testing, poor reliability ratings and many recalls.

  • Safety. The XJ has not received crash test ratings by the NHTSA. This is because the safety organization hasn’t officially rated this car and many other Jaguar vehicles yet.
  • Reliability. This car has a poor predicted reliability rating of 2 out of 5 from J.D. Power.
  • Recalls. The XJ has included many recalls. Some have involved malfunctioning software that affects airbag calibration, incorrectly formed front wiper arms, improper software calibration for car restraints, rear-wheel alignment issues, leaking brake fluid as well as issues with the drive belt, power steering and battery positive cable.

Bottom line

The pricey Jaguar XJ isn’t the cheapest luxury car to insure, though it does come with several safety features to balance high insurance rates and low reliability.

Compare car insurance providers for the XJ. Or compare costs for another make or model here.

Frequently asked questions about the XJ

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