About $1,428 a year for full coverage on a national average — within a few percent of the $1,438 average car. Insurers rate the Jaguar X-Type at an index of 99 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2006-2008).
The premium isn't spread evenly. Collision — damage to your own car in a crash — carries this car's highest loss index at 118, while Comprehensive sits at 87. That gap is the real reason behind the price, and it's the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2005 X-Type sells for a median $3,995, so a year of cover costs 35.7% of the car's value. Over 3 generations of data the index has fallen from 115 (2004-2006) to 99 (2006-2008). Calculated from 4 insurance-loss records and live US listing prices.
Why a X-Type costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,428: Liability (BI + PD) $685 · Collision $400 · Comprehensive $171 · Other (UM / PIP) $171.
How it changed by generation
Insurance-loss index of the X-Type across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The X-Type has become cheaper to insure over time (-16 points).
What a X-Type costs by state
Where you park matters as much as what you drive. The X-Type's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | X-Type est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by this model's loss index — your own quote also depends on age, record, deductible and ZIP.
More on the Jaguar X-Type
Jaguar X-Type insurance — frequently asked
How much is insurance for a Jaguar X-Type?
About $1,428 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 99 applied to the US average premium.
Why is the X-Type expensive or cheap to insure?
Its costliest area is Collision (index 118), which covers damage to your own car in a crash. Insurers set premiums from claim history like this, not from the sticker price.
Is that a lot relative to the car's value?
A year of cover is 35.7% of what a 2005 X-Type sells for (a median $3,995). Cheap cars often show a higher percentage even when the dollar premium is lower.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same X-Type can differ by hundreds between two drivers.