Cost of Jaguar Car Insurance (2026)

Jaguar has produced luxury sedans and sports cars since its inception in 1922.^[1] Over time, the automaker has also added crossovers and SUVs to its lineup.

Jaguar owners pay an average of $125 per month for liability insurance and $236 per month for full coverage. These figures are similar to car insurance rates from other luxury automakers like BMW, Mercedes-Benz, and Infiniti.

If you have a Jaguar or are in the market for one, here’s what else you need to know about securing car insurance for these sought-after vehicles.

Cost of Jaguar insurance by model

Jaguar offers a number of models to accommodate the budgets, needs, and preferences of various consumers.

Here, you’ll find monthly car insurance costs for some of the most popular Jaguar models.

Jaguar Model	Average Monthly Quote
XE	$135
XF	$133
F-Pace	$129
E-Pace	$149
I-Pace	$127
XJ	$128
F-Type	$129
X-Type	$135

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Cheapest Jaguar insurance by model

Now, you can examine each individual Jaguar model more closely while comparing the average full-coverage insurance rates available for that model.

Best companies for Jaguar car insurance

Several car insurance companies offer affordable rates for Jaguar drivers. Here are three insurers to help you with your search:

USAA: Best for members of the military community

members of the military community

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User Reviews	4.9 4,304 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$51/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$102/mo

Details

4.9

Best choiceBased on 4,304 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,694 USAA reviews

Karl

Verified Review

Good, but Still Needs Work

Reviewed in Kentucky on September 16, 2026

No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.

Irving

Verified Review

Fair

Reviewed in California on September 16, 2026

My rates went up by $1,000.

Carolyn

Verified Review

USAA: Not What It Used to Be

Reviewed in New Jersey on September 16, 2026

USAA used to be good, but now it’s way too expensive.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.

Pros

• High customer satisfaction

• Low premiums

• SafePilot program rewards good driving with up to 30% discount

Cons

• Only available to active-duty military, veterans, military spouses, or children of service members or veterans

• No 24/7 customer phone support

• Customer reviews are mixed for service and claims processing

State Farm: Best for bundling discounts

bundling discounts

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User Reviews	4.1 21,158 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$103/mo

Details

4.1

Best choiceBased on 21,158 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 8,128 State Farm reviews

Tracey

Verified Review

Moved

Reviewed in Oregon on September 18, 2026

Great service, but it’s expensive.

Tracy

Verified Review

Worst Insurance Company!

Reviewed in Colorado on September 18, 2026

Rates go up, and State Farm avoids paying out claims.

Donald

Verified Review

Always Had Good Service

Reviewed in Ohio on September 18, 2026

Very good.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

GEICO: Best for drivers with traffic violations on their records

drivers with traffic violations on their records

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User Reviews	4.0 20,735 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$79/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$144/mo

Details

4.0

Best choiceBased on 20,735 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 8,190 GEICO reviews

Gary

Verified Review

Geico Is Very Bad: Overcharging Me for Years

Reviewed in Florida on September 18, 2026

Geico is terrible. They have been overcharging me for quite some time. They told me it was because I was on an old plan.

Young

Verified Review

I’m paying $321, but the ad said they charge half that for 6 months

Reviewed in New York on September 18, 2026

The ads show that the premium is less than GEICO, but I’m paying $321.

Mary

Verified Purchase

Excellent

Reviewed in Florida on September 18, 2026

Easy to sign up.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• A++ (Superior) financial strength rating from AM Best

Cons

• No rideshare or new car replacement coverage available

• Slightly lower customer satisfaction scores from J.D. Power

Average cost of Jaguar insurance by state

Your location is one of many factors that determine your car insurance premiums. In the table below, you can see how much the average Jaguar insurance costs vary in each state.

Data isn’t available for Alaska and Hawaii.

How to ensure you have enough coverage on your Jaguar

When you buy a vehicle, it’s your responsibility to make sure you have enough liability insurance coverage, which will depend on the laws in your state. Liability insurance typically includes bodily injury liability and property damage liability to reimburse you for damage or injuries that you cause to others after an accident.

You might also want to invest in these optional coverages for additional peace of mind:

• 

  Collision coverage

  Collision coverage covers physical damage to your car when you get into an accident with another vehicle or object, no matter who’s at fault.

• 

  Comprehensive coverage

  Comprehensive coverage pays for damages to your vehicle from non-collision events, such as fires, theft, vandalism, and falling objects.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage reimburses you if you get hit by a driver who’s uninsured or underinsured or someone who hit-and-runs your car.

• 

  Gap insurance

  Also known as guaranteed auto protection, gap insurance will cover the difference between your vehicle’s value and what you owe on it after it’s totaled or stolen.

Jaguar car insurance FAQs

If you still have questions around purchasing insurance for your Jaguar, the following answers can help.

Which company has the cheapest Jaguar insurance?

USAA and GEICO offer the most affordable Jaguar insurance rates for most models. But remember that pricing depends on your model and several other factors and you may find more affordable coverage with another insurer depending on your unique circumstances.

Are Jaguars expensive to insure?

Luxury vehicles, like Jaguars, can be costly to insure.^[4] This is typically because of their expensive parts and the high value of the vehicles, meaning any accident will be more expensive to cover.

How much does it cost to insure a Jaguar I-Pace?

The average monthly car insurance rate for a Jaguar I-Pace is $127. Keep in mind that factors like your location, age, and driving record will impact your premium.

What is the cheapest Jaguar model to insure?

The Jaguar I-Pace offers the lowest average car insurance rates. The S-Type is another Jaguar model with affordable premiums.