Jaguar Car Insurance: How Much Is Jaguar Insurance? 2026
It costs about $291 per month to insure a Jaguar, adding up to roughly $3,494 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
Securing car insurance for a Jaguar currently costs an average of $3,494 per year for a full coverage policy. These premiums reflect the high repair costs and specialized parts associated with luxury vehicles.
Rates fluctuate significantly based on the specific model, with the Jaguar I-PACE often commanding higher premiums than the F-Pace. Drivers in expensive markets like Florida, or those opting for lower comprehensive deductibles, can expect their individual quotes to exceed these national averages.
What’s Changed In 2026?
- Jaguar’s transition to an exclusive, all-electric luxury brand is increasing baseline premiums for newer models.
- The discontinuation of legacy gas-powered vehicles has reduced parts availability, driving up collision repair costs.
- Some insurers now offer EV-specific discounts, but availability varies significantly by state and provider.
How Much Does Jaguar Insurance Cost?
The average cost to insure a Jaguar is $291 per month, totaling approximately $3,494 per year. However, your insurance premium will vary based on factors like your age, location, driving record, and the specific Jaguar model you drive.
Insurance Cost Per Jaguar Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a Jaguar, across all models, is $3,494 per year.
The Jaguar F-Pace is the cheapest model to insure, at $2,539 per year. On the other hand, the Jaguar I-PACE is the most expensive, at an average of $4,466 per year.
Use the table below to compare insurance rates for Jaguar models.
| Jaguar Model | Average Yearly Insurance Cost |
| Jaguar E-PACE | $2,582 |
| Jaguar F-Pace | $2,539 |
| Jaguar F-TYPE | $4,445 |
| Jaguar I-PACE | $4,466 |
| Jaguar XE | $3,180 |
| Jaguar XF | $3,748 |
Remember that these numbers are just averages, and the actual cost can differ based on where you live, your age, your driving history, and the coverage you select.
Are Jaguars Expensive To Insure?
The national average monthly car insurance cost is $157, whereas insuring a Jaguar averages $291 per month across all models—a significantly higher amount. However, insurance rates are typically influenced by the specific car model rather than the brand as a whole, so it’s essential to check rates for your particular vehicle.
Jaguar E-PACE Insurance Cost
The average cost of insuring a Jaguar E-PACE across all model years, is $1,392 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Jaguar E-PACE | $1,528 |
| 2021 Jaguar E-PACE | $1,141 |
| 2020 Jaguar E-PACE | $1,491 |
| 2019 Jaguar E-PACE | $1,918 |
| 2018 Jaguar E-PACE | $886 |
Jaguar F-PACE Insurance Cost
The average cost of insuring a Jaguar F-PACE across all model years, is $2,740 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Jaguar F-PACE | $7,861 |
| 2022 Jaguar F-PACE | $1,311 |
| 2021 Jaguar F-PACE | $1,798 |
| 2020 Jaguar F-PACE | $1,109 |
| 2019 Jaguar F-PACE | $1,618 |
Jaguar F-Type Insurance Cost
The average cost of insuring a Jaguar F-Type across all model years, is $3,051 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 Jaguar F-Type | $1,875 |
| 2022 Jaguar F-Type | $4,656 |
| 2021 Jaguar F-Type | $2,708 |
| 2020 Jaguar F-Type | $2,538 |
| 2019 Jaguar F-Type | $3,480 |
Jaguar I-Pace Insurance Cost
The average cost of insuring a Jaguar I-Pace across all model years, is $2,303 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 Jaguar I-Pace | $2,302 |
| 2020 Jaguar I-Pace | $2,161 |
| 2019 Jaguar I-Pace | $2,446 |
Jaguar XE Insurance Cost
The average cost of insuring a Jaguar XE across all model years, is $2,531 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2021 Jaguar XE | $4,985 |
| 2020 Jaguar XE | $4,137 |
| 2019 Jaguar XE | $1,097 |
| 2018 Jaguar XE | $1,445 |
| 2017 Jaguar XE | $988 |
Jaguar XF Insurance Cost
The average cost of insuring a Jaguar XF across all model years, is $2,772 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2022 Jaguar XF | $3,125 |
| 2021 Jaguar XF | $5,385 |
| 2020 Jaguar XF | $1,964 |
| 2019 Jaguar XF | $1,810 |
| 2018 Jaguar XF | $1,628 |
Cheapest Car Insurance Companies For Jaguars
The cost of your Jaguar car insurance policy will depend on the company that you choose. GEICO offers the cheapest rates for insuring a Jaguar, at $2,314 per year.
Use the table below to compare cheap full-coverage rates for a Jaguar.
| Company | Average Annual Premium |
| GEICO | $2,314 |
| Farmers | $3,120 |
| Progressive | $2,334 |
| Allstate | $3,309 |
| Travelers | $3,094 |
Jaguar Car Insurance Cost – By Driver Age
The rates you pay to insure a Jaguar will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents.
As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $11,830 |
| 18 | $11,030 |
| 19 | $9,745 |
| 20 | $8,490 |
| 21 | $7,132 |
| 22 | $6,928 |
| 23 | $6,069 |
| 24 | $5,759 |
| 25 | $4,981 |
| 30 | $3,870 |
| 35 | $3,629 |
| 40 | $3,495 |
| 45 | $3,390 |
| 55 | $3,122 |
| 65 | $3,261 |
| 75 | $4,099 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Average Jaguar Car Insurance Rates – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $191 |
| Progressive | $192 |
| Travelers | $258 |
| Farmers | $259 |
| Allstate | $271 |
| State Farm | $282 |
| Nationwide | $302 |
Average Jaguar Car Insurance Rates – By U.S. State
| State | Average Annual Rate |
| Alabama | $3,675 |
| Alaska | $2,875 |
| Arizona | $3,418 |
| Arkansas | $3,727 |
| California | $4,258 |
| Colorado | $3,924 |
| Connecticut | $5,101 |
| Delaware | $4,218 |
| Florida | $4,941 |
| Hawaii | $1,595 |
| Idaho | $2,740 |
| Illinois | $2,947 |
| Indiana | $2,987 |
| Iowa | $2,370 |
| Kansas | $3,249 |
| Kentucky | $4,614 |
| Louisiana | $5,875 |
| Maine | $2,240 |
| Maryland | $3,571 |
| Massachusetts | $2,806 |
| Michigan | $7,120 |
| Minnesota | $2,843 |
| Mississippi | $3,485 |
| Missouri | $3,256 |
| Montana | $3,359 |
| Nebraska | $2,860 |
| Nevada | $4,753 |
| New Hampshire | $3,280 |
| New Jersey | $3,579 |
| New Mexico | $3,527 |
| New York | $3,073 |
| North Carolina | $2,055 |
| North Dakota | $2,829 |
| Ohio | $2,537 |
| Oklahoma | $4,049 |
| Oregon | $3,683 |
| Pennsylvania | $3,119 |
| Rhode Island | $5,132 |
| South Carolina | $3,506 |
| South Dakota | $3,121 |
| Tennessee | $3,710 |
| Texas | $3,712 |
| Utah | $3,131 |
| Vermont | $2,246 |
| Virginia | $2,341 |
| Washington | $3,074 |
| West Virginia | $3,118 |
| Wisconsin | $3,038 |
| Wyoming | $2,877 |
| Georgia | $4,025 |
How To Save Money On Jaguar Car Insurance?
Owning a Jaguar involves various expenses, with car insurance being one of the largest. However, you can still save on your insurance costs. Here’s how:
Keep a Clean Driving Record
Insurance companies look at your driving history to set your premium. By avoiding accidents and tickets, you show that you’re a low-risk driver, which can lower your insurance costs.
Bundle Your Policies
Many insurers offer discounts if you combine multiple policies, like home and auto insurance. This makes managing your insurance easier and saves you money.
Raise Your Deductible
Increasing your deductible—the amount you pay before insurance kicks in—can lower your premium. Just make sure you can afford the higher out-of-pocket cost if you need to make a claim.
Add Safety Features
While Jaguars come with many safety features, adding extras like anti-theft devices can reduce your insurance costs by lowering the risk of theft and damage.
Take Advantage of Discounts
Ask your insurer about discounts for being a good student, having a clean driving record, or completing a defensive driving course. You might qualify for savings.
Shop Around
Insurance premiums vary between providers, so it’s important to compare quotes to find the best deal for your needs.
Consider Usage-Based Insurance
If you don’t drive your Jaguar often, look into usage-based insurance. This type of policy bases your premium on how much you drive, which can save you money if your Jaguar isn’t your main vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results.
FAQs
What Is The Most Expensive Jaguar Model To Insure?
At $4,466 per year, the Jaguar I-PACE is the most expensive Jaguar model for car insurance.
What Is The Cheapest Jaguar Model To Insure?
The Jaguar F-Pace is the cheapest model for car insurance, at $2,539 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.