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The average cost of Jaguar car insurance is $2,073 per year. But the exact cost of your Jaguar’s insurance can vary based on vehicle model, driving record, location—and your insurance company.
In recent years, Jaguar vehicles have earned a remarkable reputation for their exceptional handling, superior performance, versatility, and reliability. But as luxury vehicles, they remain expensive to insure, and no singular insurance company can promise the best rates for all Jaguar drivers.
Your Jaguar’s car insurance rate depends upon a number of factors, such as the model you drive, your personal driving record, and even your zip code. So how can you find cheap car insurance for your Jaguar?
Simple: shop with Jerry. A licensed insurance broker, Jerry does the hard work of gathering insurance quotes for you and can help find the perfect coverage for your Jaguar at the right price.
In this article, we’re covering all the basics of Jaguar car insurance, including what goes into determining your Jaguar’s rates—plus tips and tricks to help you save along the way.
How much does Jaguar car insurance cost?
The average annual cost of Jaguar car insurance is $2,073. But insurance premiums for Jaguar drivers vary across a range of factors, including the model you drive, what state you live in, and your personal driving history.
Jaguar drivers—as with many other luxury vehicles—tend to face higher insurance premiums than average. That’s because luxury vehicles cost more to repair and replace, making them a bigger financial risk to insurance agencies.
Not every factor is applied evenly. For example, if you choose to modify or make custom upgrades to your Jaguar, it may be more difficult to source replacement parts for your vehicle, resulting in a higher insurance rate.
The number of safety features in your Jaguar can also impact your rates since safety features help decrease insurance companies’ risk.
How can you be sure you’re getting the best deal for your Jaguar? One way is by comparing multiple rates from different insurance agencies—which is what Jerry does best.
A licensed broker, Jerry can find you customized insurance rates from dozens of top providers across the country, saving you the time and effort otherwise spent filling out forms or waiting on hold with busy companies.
How much insurance do you need for a Jaguar?
Your insurance needs depend on a lot of factors. After all, someone with a 2017 Jaguar F-Pace and a clean driving record needs different coverage than a driver with a souped-up XE and four speeding tickets.
With collision and comprehensive (in addition to your state’s minimum insurance), your Jaguar will have “full coverage” protection for damage caused by accidents, severe weather, vandalism, theft, and more.
Believe it or not, the model you drive can drastically change what you pay for insurance. In general, smaller cars—like the Jaguar XE or XF—are generally cheaper to insure than their larger, more costly counterparts.
But size isn’t everything! On average, the F-Type is the most expensive model to insure, as it’s the fastest and most expensive sports car in Jaguar’s line-up.
Of course, it’s a lot more complicated than simply size and speed. Below, we’ll take a closer look at the average annual premiums among Jaguar’s most popular models to see how the car you drive affects your insurance rate.
How much does Jaguar F-PACE insurance cost?
Luxury meets practicality in the Jaguar F-PACE, the company’s first and largest SUV. While the F-PACE is large, its size is balanced out by its range of included safety features.
Drivers with an upgraded trim level, such as the Prestige or Premium, may face a higher cost of insurance. The table below shows the average annual premiums for F-PACE drivers based on coverage options and model year:
With a top speed of 186 mph, the Jaguar F-Type is the fastest sports car in the Jaguar line-up and a true luxury sports car. High financial risk and expensive parts also make it one of the most expensive Jaguar vehicles to insure.
The table below includes how rates for the F-Type vary based on model year, coverage level, and driving history:
Luxury cars are generally more expensive to insure—which makes finding affordable rates a challenge. Comparing multiple quotes from different insurance companies is the best way to find the coverage your luxury vehicle needs at the right price. But that doesn’t mean you have to do it alone.
As a licensed broker and the top-rated insurance app, Jerry can do the hard work of gathering quotes from dozens of name-brand insurance companies for you to find you the best deals.
Signing up takes less than a minute, and just as quickly Jerry can present you with real-time quotes from the best insurance companies for Jaguar owners. From helping you purchase a new policy to finalizing the paperwork, Jerry takes care of it all.
Best car insurance companies for your Jaguar
Jaguar drivers can find some of the best insurance rates with GEICO and Progressive—but there’s no single company out there that can offer the cheapest insurance for every Jaguar.
That’s because each auto insurance company has a unique algorithm that it uses to calculate its insurance rates.
Generally, these algorithms give weight to a number of factors like your driving record, vehicle model, annual mileage, age, gender, and more, but not every algorithm weighs these elements in the same way, or to the same extent.
For example, one company may give greater consideration to Jaguar’s safety features, while another company might be more concerned with your driving history.
The only way to find an insurance company with the cheapest rate for your Jaguar is by shopping around—or letting Jerry do the work for you.
Check out the table below to see how different insurance providers quote for Jaguar vehicles and how much you could save with Jerry!
Another variable in determining the cost of Jaguar car insurance? Your driving record. Someone with a history of accidents, speeding violations, DUIs, or other infractions will generally pay more for insurance than a driver with a clean record.
But even a minor violation could lead to a significant increase in your insurance rates. For example, Jaguar owners with a DUI conviction may pay $3,147 more per year for insurance, while a speeding ticket could add around $2,073 to your annual premium!
Use the table below to help estimate your Jaguar insurance rates based on your driving record:
Finally, the state you live in will also help determine the cost of your Jaguar’s premium. Insurance rates vary from place to place, regardless of what vehicle you drive or whether or not it’s considered a luxury.
Want to know how your rates stack up against the state average? Look to the table below for details: