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Car insurance for a Jaguar

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Headquartered in England, Jaguar Cars is a major car manufacturer that has been known for producing luxury vehicles since 1922. Over the years, policitans, celebrities and even royalty have been pictured behind the wheel of Jaguar vehicles, creating a huge draw to Jaguar’s lineup of impressive SUVs, sedans and now even electric cars.

The average cost of car insurance in the United States is $1,674 per year for full coverage. The type of Jaguar you drive can be an important factor in determining car insurance premiums. Car insurance companies also look at your car insurance selections as well as your location and driving history to determine your rates. So how much might car insurance for your Jaguar cost? Bankrate gathered the rates and other necessary information to help you get a better idea of what drivers pay for auto insurance for Jaguar models.

  • Jaguar E-Pace
  • Jaguar F-Pace
  • Jaguar I-Pace
  • Jaguar XE (discontinued in 2020)
  • Jaguar XF

How much does it cost to insure a Jaguar?

As a luxury vehicle, auto insurance for Jaguar cars is typically higher than car insurance for economy cars. Nationally, the average cost of a full coverage car insurance policy is $1,674 per year. How much it will cost to insure your Jaguar, however, will depend on a number of factors.

To understand how much it costs to insure a Jaguar, it can help to look at how insurance rates are determined. Car insurance companies review a variety of factors to determine their car insurance rates. Some rating factors depend on the driver’s characteristics and insurance coverage selections, while others depend on the vehicle’s make and model, such as:

  • Price of parts: Jaguar is a British car manufacturer, and as such, the vehicle parts may need to be imported from other countries. This will affect the cost of repairs if the vehicle is damaged or in an accident. When calculating the insurance rate for a Jaguar, insurance companies will also factor this into the premium cost.
  • Safety features: Common safety features on most Jaguar models include adaptive cruise control, blind spot assist and rear collision monitor. There are a wide variety of options included in Jaguar’s InControl and Advanced Driver Assistance Systems (ADAS) programs. Keep in mind, though, that while these features may help minimize accidents, they may also cost more to repair and, in turn, may increase the cost of a Jaguar’s car insurance.

Car insurance for a Jaguar: by model

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

Car insurance for Jaguar E-Pace

The Jaguar E-Pace is notable for being Jaguar’s first compact SUV. On top of standard driver assistance features like front and rear parking aid and lane keep assist, E-Pace drivers can add a ClearSight interior rear view mirror that uses a combination of livestreaming and mirrors to provide clear visibility, despite any passengers or belongings in your trunk.

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 made for adventure in all types of terrain and climates. To help make driving safer, the F-Pace can come with a blind spot monitor to check any hard-to-see areas while driving and a clear exit monitor that uses sensors to notify passengers if it is safe to get out of the vehicle.

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

Car insurance for Jaguar I-Pace

The Jaguar I-Pace is the company’s standout all-electric SUV, with newer models able to reach over 200 miles on a single charge. The Jaguar I-Pace’s battery is surrounded by a cage of aluminum and steel to protect passengers, and among the standard safety features, also emits an alert when the vehicle is driving at under 12 miles per hour to warn nearby pedestrians and cars.

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

Car insurance for Jaguar XE

Although discontinued in 2020, it is still possible 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 front and rear parking sensors and a 360-degree camera system.

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

When looking for the right car insurance for your Jaguar, price is an important consideration. To find the best car insurance companies, Bankrate evaluated factors such as the financial strength ratings and customer satisfaction scores, as well as options for policy personalization. Although individual rates for each model may vary for each driver depending on location, annual mileage, driving history and other factors, the figures for the annual premium, listed below, can serve as a comparison tool for researching Jaguar car insurance.

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 Jagaur’s InControl and Advanced Driver Assistance Systems (ADAS) features can make a difference in helping drivers to avoid hazards and accidents on the road while driving. Some of these features include:

  • Lane keep assist: Like many new vehicles in dealerships today, Jaguar vehicles can come with this feature. It will alert drivers when their car may be drifting out of the lane and apply a small pressure to the steering wheel to alert the driver to guide the vehicle back in line.
  • Traffic sign recognition: While driving, the car will display speed limits and other signs visibly to the driver. This can be helpful for those driving on unfamiliar roads to help them stay within the speed limit and read traffic signs.
  • 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.

Other car insurance coverage for a Jaguar

In addition to the state required minimum liability requirements for car insurance, Jaguar owners can consider multiple options to further personalize their car insurance. This can include higher limits for bodily injury and property damage liability. Although it is possible to carry only minimum coverage liability insurance, it may not be enough to cover the damage caused in an at-fault accident.

Another coverage component of car insurance is the portion that covers you and your Jaguar. This could include coverage options like collision and comprehensive, as well as medical payments to cover medical costs if you or any of your passengers are injured in an accident. No matter your needs, lifestyle and budget, it is possible to get the right car insurance coverage for you and your Jaguar.

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.