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Jaguar XJL car insurance rates

What to expect when insuring your Jaguar XJL

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Sarah George
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The XJL is a roomy sedan with relatively low insurance rates for a luxury car. On the other hand, the XJ series isn't known for its reliability. This car's average insurance rate is $110 per month or $1,320 per year. Compared to the national average of $1,426 per year, this rate is about $100 cheaper. Filter car insurance companies by your state to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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Progressive
Progressive
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30%
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.
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The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
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Yes
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.
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Root
Root
52%
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.
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Savvy
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
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Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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How do I compare insurance for the XJL?

The XJL is a continuation of Jaguar’s XJ series, although this car includes a bit more room in the backseat. Its bigger size and price tag could raise your premium. The XJL also comes with an extensive warranty, maintenance plan and roadside assistance to take care of repair needs.

  • Body type. This luxury sedan comes with a longer wheelbase and roomier backseat than a standard XJ. The bigger size could raise your premium.
  • Price tag. This car has a high tag price around $76,000 MSRP. However, that’s still moderate for a luxury performance car.
  • Theft. This car doesn’t have many theft reports, especially when compared to the standard XJ.
  • Fuel. This sedan gets moderate fuel efficiency. It’s rated at 21 mpg for combined city and highway.
  • Maintenance. Jaguar includes an extensive maintenance plan with its warranty on all new XJL cars.
  • Coverage. You could choose standard coverage to save on your premium. However, consider extra coverage to protect yourself during an accident. You may want comprehensive, loan/lease gap, uninsured/underinsured motorist and collision with a high limit.
  • Warranty. This car comes with a limited 5-year, 60,000-mile warranty that includes scheduled maintenance and roadside assistance.

Does the Jaguar XJL qualify for discounts?

This car comes with a host of safety features that may help you receive insurance discounts:

  • Anti-theft system
  • Airbags
  • Anti-lock brakes
  • Electronic stability control
  • Driveline traction control
  • Parking sensors
  • Blind spot monitor
  • Rear traffic monitor
  • Low tire pressure warning
  • Lane-keeping assist
  • Driver condition monitor
  • Emergency braking
  • InControl Protect Emergency SOS
  • Child safety locks
  • Backup camera

How reliable is the Jaguar XJL?

The XJ series doesn’t include high reliability ratings and has no data on crash testing safety. The series has also involved multiple recalls, suggesting the manufacturer hasn’t quite perfected its production.

  • Safety. The XJL doesn’t have any crash testing data from top safety organizations. This may be due to the car’s lower rate of sale than other lower-priced family sedans.
  • Reliability. In general, the XJ series has a poor predicted reliability rating of 2 out of 5 from J.D. Power.
  • Recalls. The XJ series has included many recalls, involving problems with software, airbags, windshield wipers, rear-wheel alignment and more.

Bottom line

The Jaguar XJL has an extensive warranty and few theft reports. Despite its luxury status, the car typically has low insurance rates. However, XJ cars aren’t generally known as reliable vehicles.

Compare the best car insurance options or research another make or model.

Frequently asked questions about the XJL

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