Jaguars are a luxury vehicle. Jaguar owners and lessees will pay luxury prices for their insurance. The average driver in America spends $1,674 to get broad coverage for their car, but Jaguar owners and lessees will pay slightly more.
Why? Insurance companies consider the value of Jaguar models when determining the cost for Jaguar model auto insurance. Insurance companies will pay more to replace a Jaguar than a Honda. They also pass on the higher costs to drivers. They also consider other factors like your driving record and annual mileage to determine if you can lower your coverage.
We have compiled rates to help you understand the prices drivers pay for Jaguar auto insurance.
What is the cost of Jaguar insurance?
Insuring a Jaguar will place you in the luxury vehicle insurance category, which can make it expensive to purchase coverage. Your:
- Driving record
- Localization
- Annual mileage
- Age
- Credit score (in certain states)
- Vehicle
Pay attention to the last one. The cost of your coverage will depend on the make and model of your vehicle. Although insurance companies consider different factors differently, you can expect to pay more car insurance if your vehicle is a high-end luxury model like a Jaguar.
Does this mean that you can skip coverage? You can’t skip the coverage if you reside in New Hampshire or another state. All other states require drivers to have liability coverage. This helps cover costs if you injure someone or cause damage to property.
We looked at each model to get an accurate picture of average Jaguar car insurance costs.
- Jaguar E-Pace
- Jaguar F-Pace
- Jaguar I-Pace
- Jaguar XE
- Jaguar XF
Insurance companies heavily consider the model of your car when determining your rates. Therefore, it is important to look at each model individually in order to determine the approximate price of a Jaguar policy.
Jaguars insurance: By model
Below are some averages of Jaguar driver’s auto insurance. These costs are for a 40-year-old driver who drives approximately 12,000 miles per year. You will likely pay more if you have higher annual mileage, a history of tickets or accidents. These averages are a good place to start if you’re looking for Jaguar car insurance costs.
Jaguar E-Paces: The cheapest car insurance
Jaguar’s compact SUV, E-Pace is its first model. It’s also the most affordable and easiest to insure. Although rates can vary between drivers and insurance companies, the averages of the top insurance companies were compiled. These companies were selected for their customer service and pricing. Here’s a list of the most affordable Jaguar E-Paces car insurance policies.
Jaguar F-Paces: The cheapest car insurance
Jaguar calls the F-Pace their luxury performance SUV. It combines the spacious, high-end interiors you would expect from Jaguar with decent fuel economy (20 city/27 highway in the 2021 model). Although the F-Pace can now be purchased as a plug-in hybrid model, the rates listed below are for the standard non-hybrid model. You might be surprised to learn that F-Pace rates are more volatile than those for other Jaguar models. It is a good idea to obtain multiple quotes if you are planning to drive an F-Pace. This will ensure that you get coverage at a lower price. If you are an F-Pace driver, it is worth getting quotes from other insurance companies. If your rates are substantially higher than they should be, switching carriers might be worthwhile.
Jaguar I-Paces: The cheapest car insurance
The I-Pace is an all-electric vehicle. Jaguar’s first fully-electric model, the I-Pace boasts a solid range of 234 mi on a single charge. Although you can save money on gas, the I-Pace will cost you more than other electric vehicles. Despite this, the average cost of Jaguar car insurance is fairly consistent across all models.
Jaguar XEs: The cheapest car insurance
Although technically it is not a sports car (Jaguar calls the XE a sports sedan), you can still enjoy that sports-car feeling with similar insurance. Jaguar discontinued the XE in 2018, but pre-owned XEs are still available. We included them in our review. Here are some averages of the cost of Jaguar XE car insurance:
Jaguar XFs: The cheapest car insurance
The Jaguar XF is Jaguar’s only remaining mid-sized sedan. Although the XF’s cost is similar to that of an XE in terms of insurance, it has a more spacious interior and more space. Here’s a breakdown of the average Jaguar XF insurance cost with different insurers.
Jaguars also have other types of car insurance
You may have noticed that we provided two types of breakdown for car insurance for Jaguar costs averages: minimum coverage or full coverage. We mean the minimum coverage that is required by law to cover bodily injury or personal property damage. You can get the best Jaguar insurance at a fraction of the cost by purchasing only the minimum coverage.
You will need protection for your Jaguar if you own it. The following rates are included in our full coverage:
- Collision coverage. This coverage covers you if your car is damaged. Collision coverage covers you if someone rear-ends you or you get back in your mailbox. This policy pays the full amount, less your deductible, up to your policy limits.
- Comprehensive coverage. Comprehensive covers your vehicle for non-driving-related damage, such as a tree branch falling on it or vandal graffitis on it. It also covers theft.
- Uninsured motorist coverage. This coverage can be used to pay for damages if another driver causes an accident while they are driving without insurance.
There are many things to take into consideration when looking at Jaguar car insurance. With this information, you can make the best decision to ensure that your Jag has the best car insurance policy.