Jaguar XJ car insurance rates | finder.com

Jaguar XJ car insurance rates

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Jaguar XJ car insurance rates

What to expect when insuring your Jaguar XJ

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.

Model Monthly insurance rate Base 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

Compare insurance providers that cover Jaguar XJ

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA

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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

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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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Sarah George

Sarah George is a writer dedicated to unraveling complicated topics, including medical journalism, philosophy and finance. She loves breaking down the tough stuff into simple terms that everyone can understand. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.

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