About $1,569 a year for full coverage on a national average — 9% more than the $1,438 average car. Insurers rate the Jaguar XJS at an index of 109 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2005-2007).
The premium isn't spread evenly across the Jaguar XJS: Collision — damage to your own car in a crash — carries its highest loss index at 165, while Personal injury (PIP) sits at 51. Those 114 points are the real reason behind the price, and they are the part a quote form never shows you. Calculated from 4 insurance-loss records.
Why a XJS 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 $1,569: Liability (BI + PD) $753 · Collision $439 · Comprehensive $188 · Other (UM / PIP) $188.
What a XJS costs by state
Where you park matters as much as what you drive. The XJS's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | XJS 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 XJS's loss index of 109 — your own quote also depends on age, record, deductible and ZIP.
Jaguar XJS insurance — frequently asked
How much is insurance for a Jaguar XJS?
About $1,569 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 109 applied to the US average premium.
Why is the XJS expensive or cheap to insure?
For the Jaguar XJS the costliest area is Collision at an index of 165, covering damage to your own car in a crash — against 51 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Jaguar XJS lands at 109, not at what it costs new.
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 XJS can differ by hundreds between two drivers.
How we work this out
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