About $2,903 a year for full coverage on a national average — 102% more than the $1,438 average car. Insurers rate the Jaguar XJ at an index of 202 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2017-2019).
The premium isn't spread evenly across the Jaguar XJ: Collision — damage to your own car in a crash — carries its highest loss index at 216, while Comprehensive sits at 139. Those 77 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2016 XJ sells for a median $18,999, so a year of cover costs 15.3% of the car's value. Over 9 generations of data the index has fallen from 208 (2009-2011) to 202 (2017-2019). Calculated from 26 insurance-loss records and live US listing prices.
Why a XJ 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 $2,903: Liability (BI + PD) $1,393 · Collision $813 · Comprehensive $348 · Other (UM / PIP) $348.
How it changed by generation
Insurance-loss index of the XJ 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 XJ has become cheaper to insure over time (-6 points).
What a XJ costs by state
Where you park matters as much as what you drive. The XJ's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | XJ 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 the Jaguar XJ's loss index of 202 — your own quote also depends on age, record, deductible and ZIP.
Jaguar XJ insurance — frequently asked
How much is insurance for a Jaguar XJ?
About $2,903 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 202 applied to the US average premium.
Why is the XJ expensive or cheap to insure?
For the Jaguar XJ the costliest area is Collision at an index of 216, covering damage to your own car in a crash — against 139 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Jaguar XJ lands at 202, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 15.3% of what a 2016 XJ sells for — $2,903 against a median price of $18,999. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 15.3% the XJ sits on the expensive side of that trade.
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 XJ can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.