Why Jaguar XE Insurance Costs So Much and What You Can Do

How much does Jaguar XE insurance cost? We analyze rates from the base S sedan up to the R Dynamic S AWD model to see how prices compare to the competition.

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  • Average Jaguar XE insurance cost is $2,272 per year, or $189 per month for full coverage.
  • The Jaguar XE is one of the cheaper midsize luxury cars to insure, costing $432 less per year on average as compared to the rest of the vehicles in the segment.
  • The cheapest Jaguar XE insurance is on the S Sedan trim level at an estimated $2,212 per year. The most expensive is the R Dynamic S AWD at $2,334 annually.

How much does Jaguar XE car insurance cost?

Plan on paying an average of $2,272 a year for full coverage Jaguar XE insurance. For individual coverages, collision coverage will cost around $1,032 a year, liability/medical (or PIP) coverage costs about $704, and the remaining comprehensive costs an estimated $536.

The following chart breaks down average car insurance cost for a Jaguar XE using different policy scenarios.

Average 2020 Jaguar XE insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Jaguar XE insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2020 model year Jaguar XE with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Jaguar XE trim levels.

2020 Jaguar XE Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,240$437
Safe Driver Age 20$4,592$383
At-fault Accidents Age 40$3,226$269
Low Deductibles Age 40$2,966$247
Safe Driver Age 30$2,420$202
Safe Driver Age 40$2,272$189
Safe Driver Age 50$2,014$168
High Deductibles Age 40$1,918$160
Safe Driver Age 60$1,886$157
Discount Rate Age 40$1,886$157

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Jaguar XE trim levels. Updated June 27, 2025

How does Jaguar XE insurance cost rank?

The Jaguar XE ranks seventh out of 41 total vehicles for insurance affordability in the midsize luxury car segment. The XE costs an average of $2,272 per year for insurance and the segment average rate is $2,704 per year, a difference of $432 per year.

When average insurance rates are compared to other popular midsize luxury cars, insurance for a Jaguar XE costs $34 more per year than the Lexus ES 350, $286 less than the BMW 530i, $654 less than the Infiniti Q50, and $24 more than the Lincoln MKZ.

The table below shows how well Jaguar XE car insurance rates compare to the entire mid-size luxury car segment. The difference column shows how much more or less the insurance cost for each model is when compared to the cost for the XE.

Insurance Cost Comparison: Jaguar XE vs Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$386
2Lexus RC 300$2,168-$104
3Mercedes-Benz SLC300$2,230-$42
4Lexus ES 350$2,238-$34
5Lincoln MKZ$2,248-$24
6Mercedes-Benz AMG CLA45$2,268-$4
7Jaguar XE$2,272--
8Lexus IS 300$2,276$4
9Audi A3$2,316$44
10Cadillac CT5$2,354$82
11Audi S5$2,414$142
12Lexus GS 350$2,478$206
13Mercedes-Benz E350$2,488$216
14Lexus ES 300H$2,526$254
15Audi S4$2,550$278
16BMW 530i$2,558$286
17BMW 540i$2,582$310
18Mercedes-Benz CLA250$2,598$326
19Genesis G80$2,604$332
20Audi A6$2,614$342
21Mercedes-Benz E450$2,644$372
22BMW 430i$2,666$394
23Mercedes-Benz CLS450$2,700$428
24Jaguar XF$2,702$430
25BMW 440i$2,796$524
26Mercedes-Benz AMG C43$2,804$532
27Mercedes-Benz SL450$2,822$550
28Audi RS 5$2,838$566
29Audi S6$2,898$626
30Infiniti Q50$2,926$654
31BMW 530e$2,942$670
32Lexus GS F$3,016$744
33Mercedes-Benz AMG C63$3,056$784
34BMW M550i$3,110$838
35Mercedes-Benz SL550$3,136$864
36Tesla Model S$3,192$920
37Audi A7$3,236$964
38Lexus LC 500H$3,320$1,048
39Audi S7$3,444$1,172
40BMW M8$3,448$1,176
41BMW M5$3,494$1,222

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 27, 2025

At $2,272 per year, insurance cost for a 2020 Jaguar XE ranks seventh out of 41 models in the midsize luxury car segment
At $2,272 per year, insurance cost for a 2020 Jaguar XE ranks seventh out of 41 models in the midsize luxury car segment

Is Jaguar XE car insurance expensive?

With Jaguar XE insurance cost ranging from $2,212 to $2,334 per year for the average driver, the cheapest to insure is the S Sedan. The next cheapest model to insure is the S Premium AWD at $2,272 per year. The most expensive model to insure is the R Dynamic S AWD  at $2,334 per year.

The rate table below shows average car insurance rates for each Jaguar XE trim level for annual, semi-annual, and monthly policy terms.

2020 Jaguar XE Insurance Rates by Trim Level
2020 Jaguar XE Trim Level Annual Premium Cost Per Month
S Sedan$2,212$184
S Premium AWD$2,272$189
R Dynamic S AWD$2,334$195

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 27, 2025

Insurance cost by trim level for a 2020 Jaguar XE ranging from the S Sedan model at $2,212 per year to the R Dynamic S AWD model at $2,334
Insurance cost by trim level for a 2020 Jaguar XE ranging from the S Sedan model at $2,212 per year to the R Dynamic S AWD model at $2,334