Jaguar XJ car insurance rates

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.

How much does XJ car insurance cost?

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.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

• Broad coverage, including for custom car parts or ridesharing
• Transparent pricing tools that help you buy within budget
• Accident forgiveness on small claims or for staying claim-free
• Stack a variety of discounts for multiple cars, autopay or homeownership

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.	Get quotes More Info	Compare	loading Fetching your data...
Clearcover		Optional			Yes	AZ, CA, IL, LA, OH, TX, UT and WI	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Get quotes More Info	Compare	loading Fetching your data...
The AARP Auto Insurance Program from The Hartford		Optional			Yes	All 50 states & DC	Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.	Get quotes More Info	Compare	loading Fetching your data...
EverQuote		Optional			Yes	All 50 states	Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.	Get quotes	Compare	loading Fetching your data...
Esurance					40%	All states except AK, DE, HI, MT, NH, VT, WY	Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current policy info and get quotes from 20+ companies who could get you a better rate.	Get quotes More Info	Compare	loading Fetching your data...
Branch		Optional			No	AZ, MO, IL, OH and TX	Benefit from this online-based startup’s steep savings and convenient online quotes and claims.	Get quotes More Info	Compare	loading Fetching your data...

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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:

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

• Is the Jaguar XJ front-wheel drive?

  The XJ comes in a variety of models, including models with rear- and all-wheel drive.

• How fast can the XJ go?

  Depending on the model and year of the car, the XJ can go from 0 to 60 mph in the 5- to 6-second range.

• What kind of engine does the XJ have?

  The XJ’s standard engine is a 3.0-liter V-6 with 340 horsepower. You can also opt for a 470-horsepower V-8 or a sportier supercharged V-8 version.