- The annual average nationwide cost of full coverage car insurance for Jaguar is $3,860 per year.
- The E-Pace is the cheapest Jaguar model to insure.
- Advanced safety features that come standard on Jaguar models help lower your insurance costs.
If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Jaguar car insurance is $3,860 or $322 per month. Remember that your specific rates may vary depending on the Jaguar model you choose, the model year, your age, your driving history and the insurer.
Average cost of car insurance for a Jaguar, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Jaguar car insurance rates from various insurance companies.
Cost to insure a Jaguar, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $3,144 | $1,572 | $262 |
| Nationwide | $3,353 | $1,677 | $279 |
| Geico | $3,573 | $1,787 | $298 |
| Progressive | $3,583 | $1,792 | $299 |
| Farmers | $4,819 | $2,409 | $402 |
| Allstate | $4,859 | $2,430 | $405 |
Jaguar average insurance rates, by model
Jaguar E-Pace car insurance cost
Car insurance cost for a Jaguar E-Pace is $232 per month or $2,782 a year, based on CarInsurance.com’s rate analysis. State Farm offers the most affordable car insurance rates for a Jaguar E-Pace at an average monthly cost of $159 or $1,902 yearly.
Jaguar I-Pace car insurance cost
The average monthly car insurance premium for a Jaguar I-Pace is $254 or $3,054 annually. Progressive is the most affordable company for a Jaguar I-Pace owner, offering insurance at a monthly rate of just $190 or $2,286 per year.
Jaguar F-Pace car insurance cost
The average car insurance premium is $280 per month, which adds up to $3,365 each year for a Jaguar F-Pace. Progressive is the cheapest car insurance company, with a monthly rate of $232, which translates to an annual cost of $2,783.
Jaguar XF car insurance cost
The average car insurance premium for Jaguar XF is $293 per month, which translates to $3,520 per year. The most affordable company for a Jaguar XF is Nationwide with a rate of $235 monthly or $2,825 per year.
Jaguar F-Pace SVR car insurance cost
Car insurance cost for a Jaguar F-Pace SVR is $3,916 a year or $326 monthly. If you own a Jaguar F-Pace SVR, Geico has the cheapest car insurance rates with an average annual premium of $3,064 or $255 per month.
Jaguar F-Type car insurance cost
The average car insurance premium for Jaguar F-Type is $370 per month, which translates to $4,441 per year. The most affordable company for a Jaguar F-Type is State Farm with a rate of $301 monthly or $3,606 per year.
Insurance rates by car model
The average cost of car insurance for a Jaguar, by driver age
Your age is an important rating factor in determining your Jaguar car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Jaguar based on the driver’s age.
Cost to insure a Jaguar, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Jaguar E-Pace | $10,815 | $5,408 | $901 |
| 18 | Jaguar F-Pace | $12,964 | $6,482 | $1,080 |
| 18 | Jaguar F-Pace SVR | $14,808 | $7,404 | $1,234 |
| 18 | Jaguar F-Type | $16,511 | $8,255 | $1,376 |
| 18 | Jaguar I-Pace | $11,277 | $5,639 | $940 |
| 18 | Jaguar XF | $13,198 | $6,599 | $1,100 |
Cost to insure a Jaguar, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Jaguar E-Pace | $2,782 | $1,391 | $232 |
| 40 | Jaguar F-Pace | $3,365 | $1,682 | $280 |
| 40 | Jaguar F-Pace SVR | $3,916 | $1,958 | $326 |
| 40 | Jaguar F-Type | $4,441 | $2,221 | $370 |
| 40 | Jaguar I-Pace | $3,054 | $1,527 | $254 |
| 40 | Jaguar XF | $3,520 | $1,760 | $293 |
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Jaguar car insurance rates by state
Your location significantly impacts your Jaguar car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Jaguar car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,987 | $1,494 | $249 |
| Alabama | $3,735 | $1,867 | $311 |
| Arkansas | $4,358 | $2,179 | $363 |
| Arizona | $3,525 | $1,763 | $294 |
| California | $4,361 | $2,180 | $363 |
| Colorado | $4,984 | $2,492 | $415 |
| Connecticut | $3,704 | $1,852 | $309 |
| Washington, D.C. | $4,479 | $2,239 | $373 |
| Delaware | $3,536 | $1,768 | $295 |
| Florida | $4,648 | $2,324 | $387 |
| Georgia | $4,224 | $2,112 | $352 |
| Hawaii | $2,235 | $1,117 | $186 |
| Iowa | $3,506 | $1,753 | $292 |
| Idaho | $2,603 | $1,301 | $217 |
| Illinois | $3,638 | $1,819 | $303 |
| Indiana | $3,474 | $1,737 | $289 |
| Kansas | $4,148 | $2,074 | $346 |
| Kentucky | $5,485 | $2,743 | $457 |
| Louisiana | $6,178 | $3,089 | $515 |
| Massachusetts | $3,491 | $1,745 | $291 |
| Maryland | $3,535 | $1,767 | $295 |
| Maine | $2,733 | $1,366 | $228 |
| Michigan | $5,180 | $2,590 | $432 |
| Minnesota | $4,675 | $2,337 | $390 |
| Missouri | $4,635 | $2,318 | $386 |
| Mississippi | $4,516 | $2,258 | $376 |
| Montana | $4,481 | $2,240 | $373 |
| North Carolina | $2,900 | $1,450 | $242 |
| North Dakota | $3,795 | $1,897 | $316 |
| Nebraska | $4,362 | $2,181 | $363 |
| New Hampshire | $2,983 | $1,491 | $249 |
| New Jersey | $3,331 | $1,665 | $278 |
| New Mexico | $4,016 | $2,008 | $335 |
| Nevada | $3,257 | $1,628 | $271 |
| New York | $3,367 | $1,683 | $281 |
| Ohio | $2,679 | $1,339 | $223 |
| Oklahoma | $4,072 | $2,036 | $339 |
| Oregon | $3,558 | $1,779 | $297 |
| Pennsylvania | $3,741 | $1,871 | $312 |
| Rhode Island | $4,332 | $2,166 | $361 |
| South Carolina | $3,469 | $1,735 | $289 |
| South Dakota | $5,402 | $2,701 | $450 |
| Tennessee | $4,371 | $2,185 | $364 |
| Texas | $5,299 | $2,649 | $442 |
| Utah | $3,007 | $1,503 | $251 |
| Virginia | $2,622 | $1,311 | $218 |
| Vermont | $3,078 | $1,539 | $257 |
| Washington | $2,941 | $1,470 | $245 |
| Wisconsin | $3,112 | $1,556 | $259 |
| West Virginia | $3,631 | $1,815 | $303 |
| Wyoming | $4,341 | $2,171 | $362 |
Average car insurance cost for different vehicle makes
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When it comes to affordable Jaguar car insurance, it’s best to stick to vehicles that are designed with families in mind. These vehicles are typically loaded with advanced safety features, have smaller engines and are usually driven by parents who have kids in the car, so they tend to drive more carefully, which results in fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Jaguar models to insure
Smaller, budget-friendly Jaguar models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Jaguar models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Jaguar
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Jaguar discounts on car insurance
You can take advantage of all the available discounts to lower your Jaguar car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Jaguar car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans generally have the lowest insurance costs, while luxury models and sporty sedans are more expensive to insure. Pickup trucks are often cheaper on the insurance spectrum-unless you go for luxury trims.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Jaguar
Jaguar is a British car manufacturer that was established in 1922 by Sir William Lyons and William Walmsley, initially as the Swallow Sidecar Company before evolving into Jaguar Cars Ltd after World War II. Jaguar’s vehicle lineup, which includes sports cars, sedans and SUVs, exemplifies an aesthetic balance between elegance and power. The brand’s reputation for quality have made it a staple in the global automotive industry for nearly a century.
Final thoughts on Jaguar insurance costs
Jaguar offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Jaguar model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Jaguar?
Your driving history is one of the many factors affecting your Jaguar car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Jaguar affect the insurance premium?
The color of your Jaguar does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Jaguar affect insurance costs?
Your Jaguar’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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