Jaguar XJ car insurance rates

What to expect when insuring your Jaguar XJ

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Jaguar XJ 2019 car with sea and mountains at the background

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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.

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.

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Compare insurance for your Jaguar XJ

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

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Car insurance rates for the Jaguar XJ

ModelMonthly insurance rateBase car price
F-Pace$201$43,060
F-Type$148$61,745
XE$163$36,720
XF$184$48,770
XJ$158$76,395
XJL$110$76,395
XJR$110$123,395

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

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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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