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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Jaguar XE parked in front of very modern home at dusk
  • Average Jaguar XE insurance cost is $1,840 per year, or $153 per month for full coverage.
  • The Jaguar XE is one of the cheaper midsize luxury cars to insure, costing $351 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 $1,792 per year. The most expensive is the R Dynamic S AWD at $1,892 annually.

How much does Jaguar XE car insurance cost?

Plan on paying an average of $1,840 a year for full coverage Jaguar XE insurance. For individual coverages, collision coverage will cost around $836 a year, liability/medical (or PIP) coverage costs about $570, and the remaining comprehensive costs an estimated $434.

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

Figure 1: Average 2020 Jaguar XE insurance premiums for different driver ages and risk scenarios. Rates updated on February 26, 2024.

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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.

Jaguar XE Insurance Cost Summary
2020 Jaguar XE Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,246$354
Safe Driver Age 20$3,722$310
At-fault Accidents Age 40$2,612$218
Low Deductibles Age 40$2,404$200
Safe Driver Age 30$1,964$164
Safe Driver Age 40$1,840$153
Safe Driver Age 50$1,634$136
High Deductibles Age 40$1,552$129
Discount Rate Age 40$1,530$128
Safe Driver Age 60$1,528$127

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 February 26, 2024

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 $1,840 per year for insurance and the segment average rate is $2,191 per year, a difference of $351 per year.

When average insurance rates are compared to other popular midsize luxury cars, insurance for a Jaguar XE costs $24 more per year than the Lexus ES 350, $232 less than the BMW 530i, $534 less than the Infiniti Q50, and $20 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$1,528-$312
2Lexus RC 300$1,758-$82
3Mercedes-Benz SLC300$1,808-$32
4Lexus ES 350$1,816-$24
5Lincoln MKZ$1,820-$20
6Mercedes-Benz AMG CLA45$1,836-$4
7Jaguar XE$1,840--
8Lexus IS 300$1,844$4
9Audi A3$1,876$36
10Cadillac CT5$1,908$68
11Audi S5$1,956$116
12Lexus GS 350$2,008$168
13Mercedes-Benz E350$2,018$178
14Lexus ES 300H$2,046$206
15Audi S4$2,066$226
16BMW 530i$2,072$232
17BMW 540i$2,094$254
18Mercedes-Benz CLA250$2,106$266
19Genesis G80$2,110$270
20Audi A6$2,116$276
21Mercedes-Benz E450$2,142$302
22BMW 430i$2,160$320
23Mercedes-Benz CLS450$2,186$346
24Jaguar XF$2,188$348
25Mercedes-Benz AMG C43$2,272$432
26BMW 440i$2,274$434
27Mercedes-Benz SL450$2,288$448
28Audi RS 5$2,298$458
29Audi S6$2,348$508
30Infiniti Q50$2,374$534
31BMW 530e$2,384$544
32Lexus GS F$2,444$604
33Mercedes-Benz AMG C63$2,476$636
34BMW M550i$2,522$682
35Mercedes-Benz SL550$2,544$704
36Tesla Model S$2,586$746
37Audi A7$2,622$782
38Lexus LC 500H$2,690$850
39Audi S7$2,790$950
40BMW M8$2,794$954
41BMW M5$2,832$992

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 February 23, 2024

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Insurance Cost Comparison: Jaguar XE vs Midsize Luxury Cars

Is Jaguar XE car insurance expensive?

With Jaguar XE insurance cost ranging from $1,792 to $1,892 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 $1,840 per year. The most expensive model to insure is the R Dynamic S AWD  at $1,892 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$1,792$149
S Premium AWD$1,840$153
R Dynamic S AWD$1,892$158

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 February 23, 2024

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Jaguar XE Insurance Cost by Trim Level