Jaguar XE Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Jaguar XE costs more than most other cars to insure.
• Full coverage car insurance for a XE averages about $207 monthly, on average, while liability only insurance typically tends to be around $83.
• Hugo is the cheapest auto insurance carrier for a XE.

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XE Overview

With base prices starting at just $39,900 for 2020 models, the Jaguar XE is a great budget-friendly car for drivers of all types. With four different trim levels currently available, there's something there for every driver.

Based on reviewing thousands of insurance quotes from Compare.com, we've determined that, on average, Jaguar XE car insurance prices run about $182 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Jaguar XE?

You can see in the table above that auto insurance rates for a Jaguar XE are more expensive than average. XE drivers can expect to pay around $207 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $83 monthly for liability only insurance (take a look at our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

When compared to other models, the XE is slightly more expensive, with premiums more than 5% higher than other vehicles in Jaguar's lineup. Likewise, compared to other vehicles of a similar body style, XE coverage is more expensive than average, with liability insurance prices averaging exactly the same rates, but full coverage insurance premiums coming in at $30 more than other cars.

Overall, they're just more expensive to insure than the average vehicle, regardless of which model, make, or body style you compare it to.

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Who has the Cheapest Car Insurance for a Jaguar XE?

Shopping around for a car insurance policy for your Jaguar XE? You're probably wondering which company offers the lowest premiums. Even though costs will generally be pretty different from driver to driver, the lowest average rates for liability only insurance are as low as just $27 per month from Commonwealth Casualty. The next most affordable carrier is Workmens, who offers insurance as little as $35 monthly.

Finishing off the rest of the top 5 are Dairyland, Infinity, and Shelter Mutual. But just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Jaguar XE.

Auto insurance carriers take many different factors into consideration when calculating how much to charge you. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a lot of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Jaguar XE?

There are a multitude of variables that insurance carriers take into account to choose how much to charge you -- and every company weighs certain factors more than others, so there's not one carrier that's the most affordable for everyone.

Below are just a few of the things car insurance companies look at and how each one affects your final rate:

Vehicle Age

The Jaguar XE has been around for a few years -- that means vehicle age will likely make a difference in what you end up paying for auto insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and XEs begin to depreciate, insurance costs will gradually decrease.

Based on the above table, the Jaguar XE does not follow this trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest XEs are 1 year old or less, on average.

Your Age

Age is another variable that plays a role in how much you pay for insurance. In the table above, you'll see that drivers with more experience on the road have more affordable rates compared to younger drivers. Jaguar XE drivers aged between 18 and 24 actually pay more than twice as much as those 25 or older.

Insurance prices continue to go lower as you get older, with the cheapest age group for XE drivers being 55-64.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. Surprisingly, when it comes to XE drivers specifically, women pay about $10 more than men per month for car insurance.

Where You Live

It may seem like common sense that variables like what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live can be equally important. Because auto insurance is regulated at the state level, prices fluctuate quite a bit depending on which state you call home.

For example, the average Jaguar XE owner from New York pays around $248 a month for liability coverage, while the same driver in California will pay only 25% of that price, on average.

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Jaguar XE Car Insurance Discounts

Regardless of your age, your home state, or your car, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Multi-policy discounts for getting both your home and auto policies from the same carrier

These are just a few of the discounts car insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

You obviously can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but you can control some of it. Below are just a few of the ones you can use to your favor when it comes to saving cash:

Your Driving Record

You've most likely noticed ads from car insurance companies posting big discounts for safe drivers. It follows that your insurance premiums will go higher if you get into a collision or get speeding tickets. But exactly how much can these infractions cost you?

Based on the table above, accidents will usually cost XE drivers less than tickets, but both will cause a significant increase in rates. Jaguar XE drivers with one ticket will pay about $145 per month, while drivers with a single accident on their record pay an average of $104 every month (up $21 from the $83/mo. overall average). The rates only get higher the more accidents you have or tickets you get.

How Much You Drive

How much you drive each year plays a big role in your auto insurance rates. Drivers who are on the roads less often are more likely to go accident-free, so they'll usually get cheaper prices. Based on the table above, you can see that Jaguar XE owners who drive less than 2,500 miles pay $228 for car insurance, while those who drive between 5,000 and 7,500 miles a year pay about $61 a month.

But if you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile insurance policies. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Jaguar XEs Compare to Other Vehicles?

If you're considering purchasing a Jaguar XE, you might want to know how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth taking into consideration.

Take a look at the table below to see how the Jaguar XE stacks up:

Overall, the Jaguar XE has an MSRP that's in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $46,547, and the XE comes in close to that at $39,900.

Full coverage insurance for a Jaguar XE is about $35 per month more than average, while liability only coverage is over $30 cheaper per month.

When it comes to usage, Jaguar XE drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles each year compared to the XE's 9,072 per year.

Jaguar XE Car Insurance Costs by Model Year

You've seen how different things can affect how much you might pay for auto insurance. But if you're considering buying a new vehicle and the XE is one you're thinking about, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2020 Jaguar XE Car Insurance 2019 Jaguar XE Car Insurance 2018 Jaguar XE Car Insurance 2017 Jaguar XE Car Insurance

2020 Jaguar XE Car Insurance

It costs around $42 monthly for liability or $204 for a full coverage policy for the 2020 XE.

If you're looking for the cheapest possible 2020 Jaguar XE insurance policy, Safeco offered the lowest policy we found, with rates sometimes as little as $33 per month.

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

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2019 Jaguar XE Car Insurance

The average cost to insure a 2019 Jaguar XE with liability only coverage is $84 monthly, while full coverage runs about $221 a month.

DirectGeneral offered the most affordable policy we found, with rates as low as $33 per month.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2018 Jaguar XE Car Insurance

You can expect full coverage for a 2018 XE to run around $209 monthly, while liability only coverage will average about $83 a month.

Looking for the cheapest policy? SafeAuto offered liability only coverage for sometimes as low as $52 monthly.

Want to find the best rates? Get several free personalized quotes by just entering your ZIP code below.

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2017 Jaguar XE Car Insurance

2017 Jaguar XE drivers can expect to pay an average of $88 a month for liability or $204 for full coverage.

With prices sometimes as cheap as $20 per month, DirectGeneral offered the most affordable policy we found for the 2017 Jaguar XE.

If you want to find the best premiums for auto insurance for a 2017 Jaguar XE, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.

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Jaguar XE Insurance FAQs

Is a Jaguar XE expensive to insure?

Liability insurance runs an average of $83 monthly, while full coverage will cost you around $207. The Jaguar XE is relatively expensive to insure compared to the average car.

How can I get the best price on car insurance for my Jaguar XE?

There's only one way to be sure you're getting the lowest rates -- checking prices regularly and comparing quotes from many carriers. 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 rates from several companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jaguar XE affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. Although there are many factors car insurance carriers use when they calculate how much you'll pay, the color of your car is not one of them.

Do I need to have insurance before I buy a Jaguar XE?

Before you can legally drive your new (or new to you) Jaguar XE off the dealership lot, you'll need to have a valid insurance policy. Some dealerships will offer you an 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 XE?

You will find all sorts of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your XE has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to talk with your insurance agent and ask about their list of discounts, since they shift quite a bit from company to company.