Insurance on a Jaguar XJ: How Much You Can Expect to Pay

• Jaguar XJ car insurance rates average $2,938 per year or $1,469 for a semi-annual policy, depending on the trim level and policy limits.
• The cheapest Jaguar XJ insurance is on the R-Sport AWD at around $2,716 per year, or about $226 per month.
• Out of 31 vehicles in the large luxury car segment, the XJ ranks 18^th for insurance affordability.

How much does Jaguar XJ car insurance cost?

Car insurance for a Jaguar XJ costs an average of $2,938 per year for a policy with full coverage. Average monthly insurance cost for an XJ ranges from $226 to $275, depending on the trim level.

Jaguar XJ insurance costs $662 more per year than the U.S. average rate for all vehicles of $2,276.

The chart below breaks down average car insurance cost on a 2019 Jaguar XJ using different risk profiles and driver ages.

Some additional insights as they relate to insurance cost on a Jaguar XJ include:

• Save money due to your occupation. The vast majority of auto insurance companies offer discounts for having a job in professions like the military, doctors, firefighters, accountants, emergency medical technicians, farmers, and others. Qualifying for an occupational discount may save between $88 and $207 on your car insurance premium, depending on the level of coverage purchased.
• The higher deductible you choose, the lower the policy cost. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $528 per year for a 40-year-old driver and $1,040 per year for a 20-year-old driver.
• Choosing a low deductible will increase insurance policy cost. Decreasing your policy deductibles from $500 to $250 could cost an additional $552 per year for a 40-year-old driver and $1,102 per year for a 20-year-old driver.
• Qualify for discounts to lower insurance cost. Discounts may be available if the insured drivers choose electronic billing, are loyal customers, work in certain occupations, drive low annual mileage, are military or federal employees, or many other discounts which could save the average driver as much as $496 per year on Jaguar XJ insurance.
• High-risk XJ car insurance is expensive. For a 40-year-old driver, having a tendency to get into accidents or receive violations could end up with a rate increase of $3,516 or more per year.
• Age and gender affect car insurance rates. For a 2019 Jaguar XJ, a 20-year-old male driver will have an average rate of $5,918 per year, while a 20-year-old woman will get a rate of $4,224, a difference of $1,694 per year in favor of the women by a long shot. But by age 50, the rate for men is $2,582 and the cost for women is $2,528, a difference of only $54.
• Tickets and violations cost money. To pay the cheapest rates for XJ insurance, it pays to not be aggressive behind the wheel. As a matter of fact, just one or two minor infractions on your motor vehicle report could result in increasing policy rates by at least $766 per year. Serious misdemeanors like driving under the influence of drugs or alcohol could raise rates by an additional $2,706 or more.
• Bring up your credit score to save money. Drivers who have credit scores over 800 could see savings as much as $461 per year over a lower credit score of 670-739. Conversely, a less-than-good credit score could cost as much as $535 more per year.

What is the cheapest Jaguar XJ insurance?

The cheapest trim level of Jaguar XJ to insure is the R-Sport AWD at an average of $2,716 per year. The second cheapest trim is the R-Sport Sedan at $2,716 per year, and the third cheapest model to insure is the L Portfolio Sedan at $2,776 per year.

The XJ models with the most expensive car insurance rates are the R575 Sedan and the R575 AWD at $3,298 per year. Those models will cost an extra $582 per year over the least expensive R-Sport AWD model.

The table below shows average car insurance rates for each XJ trim level for different policy terms.

How does XJ car insurance compare?

When compared to other popular large luxury cars, car insurance for a Jaguar XJ costs $720 more per year than the Audi A5, $110 less than the BMW 740i, $624 more than the Cadillac XTS, and $666 more than the Cadillac CT6.

The Jaguar XJ ranks 18^th out of 31 total vehicles in the large luxury car class. The XJ costs an average of $2,938 per year for full coverage auto insurance and the category average is $3,053 per year, a difference of $115 per year.

The table below shows how well Jaguar XJ car insurance rates compare to the entire large luxury sedan segment, and ranks each model for insurance affordability.

How much is car insurance on a used Jaguar XJ?

Insuring an older Jaguar XJ may save $724 per year, when comparing car insurance cost for the 2013 model to the 2019 model.

The data table below shows average Jaguar XJ car insurance rates for drivers aged 20 to 60 and for the 2013 to 2019 model years. Yearly insurance rates range from a low of $1,832 for a 60-year-old driver rated on a 2013 Jaguar XJ to the most expensive annual auto insurance cost of $5,918 for a 20-year-old with a 2019 model year.