Jaguar X-Type Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Jaguar X-Type costs about the same as insuring the average car.
• Liability insurance for a X-Type comes in at about $78 a month, while full coverage generally tends to be around $175 per month.
• At as little as $29 monthly for liability only coverage, Aspire is the most affordable auto insurance company for a X-Type.

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X-Type Overview

The Jaguar X-Type is a great mid-level car for drivers of all types, with a base price of $35,060 for 2008 models. With two different trim levels currently available, there's a style for every driver.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Jaguar X-Type insurance prices are about $111 a month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Jaguar X-Type?

If you look at the table above, you'll see that when you compare the Jaguar X-Type to other vehicles, insurance rates are right around average. On average, X-Type drivers will pay about $78 per month for liability insurance, and around $175 a month for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other Jaguar models, the X-Type is slightly less expensive, with premiums more than 5% lower than the rest of the manufacturer's vehicle lineup. Similarly, compared to other vehicles of a similar body style, X-Type coverage is below average, with both liability only and full coverage insurance averaging less expensive rates than other cars.

Compared to all vehicles of any body type, the X-Type has less expensive prices than average for both full coverage and liability only auto insurance.

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Who has the Cheapest Car Insurance for a Jaguar X-Type?

If you're searching for a car insurance policy for a Jaguar X-Type, you may want to know which carrier offers the lowest premiums. Although premiums can shift considerably from between drivers, Aspire offers the cheapest average rates for liability only coverage, with rates as little as just $29 per month. The runner up for lowest rates is FirstChicago, with car insurance policies starting as cheap as $34 monthly.

Rounding out the list are Shelter Mutual, AmericanAlliance, and Workmens. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a whole range of different variables into consideration when calculating monthly rates. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from lots of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Jaguar X-Type?

There are an array of pieces that car insurance companies look at to calculate how much they charge you -- and each company uses a different algorithm, so there's not one carrier that's the lowest for everyone.

The following sections show a whole bunch of things insurance carriers use to calculate rates:

Vehicle Age

The Jaguar X-Type has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for auto insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and X-Types continue to depreciate, insurance costs will gradually decrease.

A new Jaguar X-Type model hasn't been added to the market for over 5 years, so there isn't data to analyze this trend. However, as you can see in the table above, the cheapest Jaguar X-Types to insure are those that are 8 to 10 years old, while the most expensive models are X-Types that are 15 years old or more, on average.

Your Age

Your age is another factor that makes a significant difference in how much you pay for insurance. As you can see above, younger X-Type drivers have higher prices compared to drivers with more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for X-Type drivers.

Your Gender

Did you know women normally pay less for car insurance than men? This is because men are more likely to get into accidents and get tickets, which raises the chances of an insurance claim. The Jaguar X-Type sticks to the norm, where men pay about $13 more than women a month for auto insurance.

Where You Live

You're probably already aware that factors such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live is equally important? Car insurance is regulated on a state-by-state basis, so premiums differ quite a bit depending on where you live.

For example, the average Jaguar X-Type driver in New York pays around $92 monthly for liability coverage, while the same Californian owner will pay $33 less than that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Jaguar X-Type Car Insurance Discounts

No matter your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance policy is always a smart move.

While no two insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same insurance company
• Multi-car discounts for having more than one vehicle on your auto policy
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution

But these aren't the only discounts car insurance carriers offer to their customers. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

While you don't have control over every variable auto insurance companies consider to calculate premiums (like some of the ones mentioned above), there are quite a few that are in your control. Below are just a few of the things you can use in your favor in order to save money on insurance:

Your Driving Record

You've almost certainly heard ads from auto insurance carriers posting hefty discounts for safe drivers. And you probably wouldn't be surprised that your car insurance rates will increase if you get into an accident or get a speeding ticket. But you're probably wondering exactly how much these infractions can cost you.

As you can tell, accidents will usually cost X-Type drivers less than tickets, but both will cause a significant increase in rates. Jaguar X-Type drivers with a single accident on their record pay an average of $91 per month (up $13 from the $78/mo. overall average), while drivers with one ticket will pay about $96 per month. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive affects your insurance premiums. Those who are on the roads less have fewer opportunities to get into an accident, so they'll typically get cheaper prices. In the table above, you can see that Jaguar X-Type owners who drive fewer than 2,500 miles a year pay an average of $69 a month for auto insurance, while those who put 10,000 miles or more on their cars pay $85.

If you don't drive much because you work from home or have a second vehicle, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

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How Do Jaguar X-Types Compare to Other Vehicles?

If you're thinking about purchasing a new car and a Jaguar X-Type is on your shortlist, you might be wondering how it compares to other vehicles. Auto insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Jaguar X-Type stacks up:

Overall, the Jaguar X-Type has an average MSRP and is in line with the going rate for a new vehicle. The average vehicle MSRP in the U.S. is $31,550, and the X-Type comes in close to that at $35,060. A used X-Type will be even more affordable, since there hasn't been a new model on the market recently.

Although the X-Type has a pretty average price, insurance rates run below average when compared to other vehicles on the market. Liability insurance for a Jaguar X-Type is about $30 per month less than average, while full coverage is over $30 less monthly.

When it comes to usage, Jaguar X-Type drivers are near the national average in annual miles driven, with 11,617 miles each year for all vehicles compared to the X-Type's 10,880 every year.

Jaguar X-Type Car Insurance Costs by Model Year

You've seen how different variables can affect how much the average driver pays for auto insurance. But if you're considering buying a new X-Type, knowing what you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2008 Jaguar X-Type Car Insurance 2007 Jaguar X-Type Car Insurance 2006 Jaguar X-Type Car Insurance 2005 Jaguar X-Type Car Insurance 2004 Jaguar X-Type Car Insurance 2003 Jaguar X-Type Car Insurance 2002 Jaguar X-Type Car Insurance

2008 Jaguar X-Type Car Insurance

It costs around $51 per month for liability or $137 for a full coverage policy for the 2008 Jaguar X-Type.

FirstChicago offered the cheapest policy we found, with rates sometimes as cheap as $29 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2007 Jaguar X-Type Car Insurance

2007 X-Type drivers can expect to pay an average of $83 per month for liability or $296 for full coverage.

With premiums sometimes as low as $24 a month, Mercury offered the most affordable policy we found for the 2007 Jaguar X-Type.

If you want to know exactly how much you can expect to pay for your X-Type, just enter your ZIP code below and get several free quotes in minutes.

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2006 Jaguar X-Type Car Insurance

On average, drivers who own a 2006 Jaguar X-Type can expect to pay $78 to $129 monthly for liability only and full coverage auto insurance, respectively.

We found Mercury offered the lowest policy, with rates as cheap as just $27 a month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get lots of personalized quotes for free.

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2005 Jaguar X-Type Car Insurance

The average cost to insure a 2005 X-Type with liability only coverage is $79 per month, while full coverage runs about $168 monthly.

If you're looking for the most affordable 2005 Jaguar X-Type insurance policy, Foremost offered the cheapest policy we found, with rates sometimes as little as $27 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2004 Jaguar X-Type Car Insurance

You can expect full coverage for a 2004 Jaguar X-Type to run around $181 per month, while liability only coverage will average about $87 monthly.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as low as $21 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2003 Jaguar X-Type Car Insurance

2003 X-Type drivers can expect to pay an average of $72 per month for liability or $182 for full coverage.

Elephant has rates as low as just $16 a month for the 2003 Jaguar X-Type.

Want to find the best rates? Just enter your ZIP code below to get a variety of customized quotes for free.

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2002 Jaguar X-Type Car Insurance

It costs around $77 monthly for liability or $164 for a full coverage policy for the 2002 Jaguar X-Type.

With prices sometimes as little as $18 per month, Liberty Mutual offered the lowest policy we found.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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Jaguar X-Type Insurance FAQs

Is a Jaguar X-Type expensive to insure?

When compared to the national average of all vehicles, the cost of insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $78 monthly, while full coverage will cost you around $175.

How can I get the best price on car insurance for my Jaguar X-Type?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jaguar X-Type affect my insurance prices?

Have you heard the old adage that red cars cost more to insure before? Well, that's actually not true. There are a wide array of factors car insurance carriers look at when they decide your insurance premium, but your X-Type's color is not factored into that decision.

Do I need to have insurance before I buy a Jaguar X-Type?

Before you can legally drive your new (or new to you) Jaguar X-Type off the dealership lot, you'll need to have valid auto insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Jaguar X-Type?

There are a wide array of discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your X-Type has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their discounts, since they vary quite a bit from company to company.