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Car insurance for a Jaguar

Updated Dec 01, 2022
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Jaguar has been crafting luxury cars since 1922 and recently turned its focus towards sustainability with the announcement that it will create electric versions of all its new models created from 2020. While this may be good news for environmentally-conscious drivers, both luxury and electric vehicles may be more expensive to insure. 

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How much does it cost to insure a Jaguar?

Nationally, the average cost of a full coverage car insurance policy is $1,674 per year, but your personal rates may vary based on factors like your location, driving history and vehicle type. As previously noted, Jaguars are luxury vehicles which typically makes them more expensive to insure, and they may have higher repair and replacement costs. To understand how much it costs to insure a Jaguar, it may help to look at these vehicle factors that could influence your insurance premium as a Jaguar driver.

  • Price of parts: Jaguar is a British car manufacturer, so vehicle parts may need to be imported from other countries for repairs. When calculating the insurance premium for a Jaguar, insurance companies may factor this in as an added potential cost down the line.
  • Safety features: Common safety features on most newer Jaguar models include driver condition monitoring, adaptive cruise control and lane departure warning. Some models also include InControl features such as high-speed emergency braking and parking assistance. While these features may help minimize accidents, they may also cost more to repair and, in turn, may increase the cost of Jaguar car insurance.

Car insurance for a Jaguar: by model

When researching which Jaguar model could be right for you, it may help to get a sense of how much each model could cost to insure. Although rates will vary by person depending on a variety of car insurance rating factors, this information might still be useful as a comparison tool.

Car insurance for Jaguar E-Pace

The Jaguar E-Pace is the company's first compact SUV. On top of standard driver assistance features, new E-Pace models have a ClearSight interior rearview mirror that uses a combination of live streaming and mirrors to provide clear visibility, even with backseat passengers or belongings in your trunk. Other notable E-pace features include all-wheel drive and front and rear indicators.

Jaguar E-Pace car insurance Average annual premium
Minimum coverage $485
Full coverage $1,841

Car insurance for Jaguar F-Pace

The Jaguar F-Pace is an SUV with added safety features for driving in various weather and road conditions. Newer models include Dynamic Mode gear shifting, which adjusts vehicle movement to adapt to rain, ice and snow. It also has an all-wheel drive system designed to shift torque to the front wheels if the rear wheels lose traction with the road.

Jaguar F-Pace car insurance Average annual premium
Minimum coverage $495
Full coverage $2,388

Car insurance for Jaguar I-Pace

Although discontinued in 2020, you may still be able to purchase a used Jaguar XE. Once the company’s smaller midsize sedan, the most recent models of the Jaguar XE still contain many standard safety features, including blind spot monitoring, parking and lane assist, and Driveline Dynamic technology, which adjusts torque based on road conditions.

Jaguar I-Pace car insurance Average annual premium
Minimum coverage $493
Full coverage $2,381

Car insurance for Jaguar XE

The Jaguar XF is now Jaguar’s only midsize luxury sedan after the Jaguar XE was discontinued. Many of Jaguar’s standard safety features are included in the XF, including lane assist, traffic sign recognition, blind spot monitoring and parking assist. This model also includes InControl technology with adaptive cruise control and high-speed emergency braking.

Jaguar XE car insurance Average annual premium
Minimum coverage $489
Full coverage $2,162

Car insurance for Jaguar XF

The Jaguar XF is now Jaguar’s only midsize luxury sedan after the Jaguar XE was discontinued. Many of Jaguar’s driver assistance features come standard, including 3D surround cameras and lane keep assist to help drivers stay alert and safe on the road.

Jaguar XF car insurance Average annual premium
Minimum coverage $478
Full coverage $2,353

Cheapest car insurance companies for Jaguars

Price may be an important consideration when looking for the right car insurance for your Jaguar. Even with a high-end car such as a Jaguar, you may still be able to find cheap car insurance that offers all the coverage options you need. Below you can see average full coverage premiums for the models discussed from some top car insurance companies.

Average annual premium for full coverage by model

Car insurance company Jaguar E-Pace Jaguar F-Pace Jaguar I-Pace Jaguar XE Jaguar XF
Amica $1,438 $1,740 $1,750 $1,577 $1,782
Erie $1,326 $1,542 $1,938 $1,431 $1,542
Geico $1,643 $2,193 $2,040 $1,844 $1,863
State Farm $1,401 $1,878 $1,744 $1,690 $1,828
USAA $1,387 $1,552 $1,947 $1,558 $1,558

Jaguar features that impact insurance costs

Jaguar vehicles come with many safety features, some that are standard and others that can be added to the car for an additional price. Having Jaguar's InControl and Advanced Driver Assistance Systems (ADAS) features may make a difference in helping drivers to avoid hazards and accidents on the road while driving. Some of these features include:

  • Lane keep assist: Many new Jaguar vehicles have lane keep assist technology that alerts drivers when their car may be drifting out of the lane and guides the steering wheel back into the correct position.
  • Traffic sign recognition: While driving, some Jaguar models may display speed limits and other signs to the driver. This could be helpful for maintaining a safe traveling speed and adhering to all road regulations.
  • Rear collision monitor: Sensors at the back of the Jaguar can detect when the vehicle behind it is not slowing down. If the vehicle may pose a collision threat, your Jaguar will automatically flash its hazard lights to try and alert the other driver.
  • Adaptive cruise control: In heavy traffic, this system will control your distance from the car ahead of you to maintain safe spacing.
  • Blind spot monitor and assist: This feature will signal if a vehicle is detected in your blind spot. Some models may also prompt you to guide your vehicle away from a lane change if a potential collision is detected.

Other car insurance coverage for a Jaguar

In addition to the state-mandated minimum requirements for car insurance, Jaguar owners may consider additional coverage options to increase their financial protection in the case of a covered event. These could include coverage options like collision and comprehensive, also known as full coverage. Other optional endorsements offered by some insurance companies include roadside assistance, rental car reimbursement and custom equipment coverage.

If you finance or lease your car, you might consider gap insurance to pay for the difference between the value of the vehicle and the amount owed on the lease or loan if the vehicle is totaled or stolen and unrecoverable.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Jaguar of the following model types, commute five days a week and drive 12,000 miles annually:

  • Jaguar E-Pace
  • Jaguar F-Pace
  • Jaguar I-Pace
  • Jaguar XE
  • Jaguar XF

These are sample rates and should only be used for comparative purposes.

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor