Jaguar XE insurance group

The Jaguar XE is a sporty executive saloon that handles like a dream come true. The vehicle has won more than 60 major global awards thanks to its efficient engine, lavish interiors and plenty of tech. This really is a car you’d be lucky to drive…if you can afford it. The downside is the cost of running and maintaining this car, and that includes the insurance costs. In this guide, we’ll look in more detail at Jaguar XE car insurance costs and how you could save on your premiums.

Jaguar XE insurance groups

Vehicles in the UK are categorised into insurance groups, ranging from 1 (the cheapest) to 50 (the most expensive), which partly determine the cost of your premium.

Jaguar XE models range from group 22 to group 50. This means that although the cost of insurance can vary significantly between models, they’re all towards the pricier end of the spectrum. For example, a 30-year-old driver in an average postcode could pay:

• around £854 for cover on a Jaguar XE 2.0d R-Sport 4d in insurance group 24
• or around £1,219 for a group 50 car, like the Jaguar XE 5.0 Supercharged V8 SV Project 8 Touring 4dr Auto 4d.

That’s a difference of more than £300 to insure the same make of car. The insurance group a model is placed in depends on a number of factors, including the model’s engine size and price.

However, the insurance group isn’t the only factor determining the cost of your car insurance: one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the cost you’d be likely to pay at a few different ages.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: March 2021 (source: Quotezone).

Jaguar XE insurance cost by location

The table above shows the average cost of Jaguar XE insurance based on insurance groups and driver age. However, many other factors affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you’ll be involved in an accident, and this affects the cost of insurance.

To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Jaguar XE R-Dynamic HSE D180 AWD auto 4d.

• Expensive: £1,022 (London SE1)
• Average: £894 (Newcastle NE1)
• Cheap: £693 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: March 2021 (source: Quotezone).

What other factors affect my Jaguar XE insurance rate?

We’ve covered the impact of insurance group, driver age and location. Here are some of the other factors that affect your insurance premium costs:

• The model of your car, particularly its engine size and capacity
• Your car’s age
• Your car’s safety rating score
• Your car’s security and any anti-theft precautions
• Your annual mileage
• Your driving history and activity
• Your no-claim discount
• Your marital status
• Your credit score
• Your occupation

How can I save on insurance premiums for my Jaguar XE?

When searching for insurance for any car, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. It might be scary to part with a large sum in one go, but if you’re able to pay annually you may be able to save a good chunk of money each year.
• Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to shop around: there may be cheaper options out there.

Is a Jaguar XE expensive to insure?

Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a Jaguar XE cheap to insure?

As we’ve already established, the short answer is no: as an expensive car, it’s expensive to insure. However, there is considerable variety in price between the insurance groups.

One factor affecting insurance groups is engine size. In general, the bigger the engine, the higher the cost of your insurance, because these engines are more expensive to repair or replace. For example, it may cost £1,022 for insurance for a Jaguar XE R-Sport 20t 2.0 Turbocharged 200PS auto 4d, while you may pay £1,302 – hundreds more per year – for a Jaguar XE SV Project 8 5.0 V8 Supercharged 600PS AWD auto 4d.

One advantage of the Jaguar XE is its safety: the safer your car is, the less of a risk it will be for companies to insure. In its Euro NCAP crash tests, this vehicle achieved a full 5-star rating. This rating included a 92% rating for protecting adult occupants and 82% for protecting child occupants. Ask your insurer about additional safety and/or security features you could install to lower your premiums and keep you and your passengers safe.

Bottom line

A Jaguar XE is never going to be cheap to insure, but you can use the tips in this guide to help keep your premiums down as much as possible. If you’re on the lookout for a car insurance provider, check out our comprehensive list of the best car insurance companies in the UK.

Frequently asked questions

• What is the top speed of a Jaguar XE?

  Depending on the model version, you can expect a Jaguar XE to reach a top speed of 120 miles per hour.

• How much car tax do I have to pay for the Jaguar XE?

  Car tax rates depend on the car’s emissions: see the UK government website for details.

• Where can I buy a Jaguar XE?

  You can buy a Jaguar XE at dealerships, using online sellers or from a current owner.

• Where can I find Jaguar XE car insurance?

  You can compare the costs of Jaguar XE car insurance using any price comparison website.

• Is a Jaguar XE a good first car?

  It handles well, and it’s more affordable than some rival premium cars, but this would be a pretty unusual choice for a first car. Remember, if you’re a young driver your insurance premiums are already likely to be relatively high because of your age, so you’re probably going to want to look for a car that’s cheaper to insure.

• Is the Jaguar XE cheap to run?

  Its fuel economy is pretty good, but it’s not the most reliable model, which means you could end up paying for expensive repairs.

• Is the Jaguar XE being phased out?

  Jaguar’s boss Thierry Bolloré has confirmed that the model range will be completely replaced by an all-electric line-up by 2025.

• Does the Jaguar XE use a lot of fuel?

  Models with petrol engines average between 29.6 and 36.2 mpg, while the diesel engines are more efficient at between 38.9 and 57.9 mpg.