Jaguar Car Insurance Cost & Quotes Comparison

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Things to Know About Insuring Jaguar Vehicles

Summary

  • The company dates to 1922 but took the name Jaguar in 1945.
  • Tata Motors of India purchased the Jaguar brand in 2008 from the previous owner, Ford.
  • Unlike most luxury makers, Jaguar’s occupant protection rates average across all models.
  • Repair costs are modest for most models, compared with typical luxury car brands.
  • Comprehensive claims rates perform about the same, lower than most high-end brands.

While it’s true Jaguar owners may have automobile budgets somewhat above the average motorist, everyone likes a deal and the best way to get one on car insurance is hunting for the lowest cost provider. Ratelab makes the hunt easy with its car insurance calculator. With so many variables in car insurance pricing in Ontario, Ratelab takes your information and connects with our insurance industry partners, searching for the best match and lowest price. Start right now with your home postal code entered in the space at the top of this page. You could save hundreds over your current rate.

How Much Does Car Insurance Cost For Jaguar

The table below shows Jaguar car insurance cost for a sample driver.

CityAverage Jaguar Car Insurance Cost*
Quebec City$505
Gatineau$695
Ottawa$834
Halifax$976
Kitchener$1,003
Longueuil$1,063
Windsor$1,086
Calgary$1,093
Hamilton$1,137
London$1,137
Edmonton$1,185
Richmond Hill$1,286
Markham$1,286
Toronto$1,305
Laval$1,354
Montreal$1,437
Mississauga$1,467
Brampton$1,646
Vaughan$1,715

Methodology: We surveyed Jaguar car insurance prices in select Canadian cities for the purpose of illustrating the average quotes for a male driver aged 35 years in city downtown with owned Jaguar XF 3.0 4DR 2015 model car.

Please note that car insurance prices depend on many factors including your age, location, driving history and more. So, to get a customized quote, enter your postal code above.

Jaguar Model Factors that Lower Auto Insurance Costs

Luxury cars protect occupants well as a rule, whether by safety design or simply the fact that components needed for a smooth and quiet ride offer better protection naturally. Jaguar doesn’t shine compared to other luxury car makers, but nor does it offer increased risks. In data collected by the Insurance Bureau of Canada, all Jaguar models fall into the average range for personal injury claims. This means a driver or passenger in a Jaguar vehicle is no more or less likely to experience an injury, compared with all accidents occurring in Canada. This should have no effect, up or down, on insurance rates for their cars.

While Jaguar’s collision repair costs after an accident are higher than average, they are not as extreme as some other luxury manufacturers. Since luxury cars are comparatively rare, with precision components, parts can be expensive and repair times longer. While Jaguar owners pay, on average, about 50 percent more that most drivers, it’s not unusual for luxury cars to cost twice as much. By that measure, Jaguar performs well. A notable exception is the 2010 Jaguar XF four-door, which shows collision repair costs of three times the national average. Other models, such as the XE and XJ sedans, F-Pace SUV and F-Type sports car, show no such extremes. While collision coverage will be higher for the XF, the other models show only a slight increase over non-luxury models.

Jaguar Model Factors that Increase Auto Insurance Costs

car accessories

Vehicle model only one factor of many that contribute to the cost of a car insurance policy. The design and accessories have much to do with how insurers assess risk, as does the claims history of a model. Jaguars have a strike against them in the insurance picture right out of the gate, given their place in the car market as a high-performance carmaker. Although their current product line includes five models out of six that are four-door sedans or SUVs, designs are sporty and mechanical components solid. High-performance vehicles invite aggressive driving habits, and that means base insurance rates that are more expensive than average vehicles. Since Jaguar owners expect responsive, sporty vehicles, paying more for insurance is likely another expectation.

As mentioned above, Jaguar models do cost more for collision insurance, but not as much as most luxury vehicles in their class, thanks to positive on-road history. Comprehensive coverage behaves in a similar way, but with even more positive performance. Jaguar X-Type models from 2002 through 2005 fall within average ranges for comprehensive claims settlements. Other models place above average, but only slightly.

Comprehensive insurance covers, among other perils, car theft. Hollywood often portrays car thieves as culprits after high-end luxury cars, chopping them up for their expensive parts or repainting and disguising them. The reality is somewhat different. Car theft is more about impulse and opportunity, and luxury makers such as Jaguar include advanced anti-theft protection. In fact, the cars most stolen in Canada are pickup trucks more than 10 years old, not current model Jaguars. While claims costs for comprehensive insurance is higher than average for Jaguar models, theft risk is not.

Known Issues with Jaguar Vehicles

As with most car makers around the world, Jaguar uses Takata airbags, involved in the world’s largest automotive recall. Consumer Reports published a blog with comprehensive information on the recall.

  • 2014 and 2015 F-Type convertibles have a wiring problem affecting the passenger front airbag. This issue is not related to the Takata recall.
  • Jaguar XF sedans from 2013 have a fuel pump issue.
  • 2013 and 2014 XF and XJ models have a potential rear brake fluid leak problem.
  • The 2.0L GTDi versions of these XF models also have a potential stalling issue.
  • 2013 and 2014 XF, XJ and XK models have a hardware problem that could lead to loss of stability.
  • XFs from 2010 to 2012 with 5.0L V8 engines have a problem with the fuel outlet flange cracking.
  • Jaguar XJ sedans from 2015 have an incorrect description regarding the airbag occupant sensor.
  • Jaguar XK coupes from 2012 to 2015 have an issue with the front parking lamps.
  • XK convertibles from 2011 to 2014 have a power window problem.

Tips for Finding the Lowest Jaguar Car Insurance Rates

Telling a driver with an eye on an F-Type sports convertible that the model costs more to insure is an argument destined for deaf ears. Even if a motorist accepts the higher cost of insurance, there are ways to keep that to a minimum. Ontario’s insurance industry protects the competitive nature of the market for insurance companies. Each company sets its own underwriting rules and insurance rates. Consumers stay protected since the Financial Services Commission of Ontario approves these before an insurer can offer policies to the public.

The result is that no two insurers charge exactly the same price for the same car and coverage. While prices may be similar in some cases, in others there are often hundreds of dollars between quotes. The open secret for the best auto insurance pricing is aggressive shopping. The more insurers a motorist compares, the better the chances of finding the lowest rate.

That’s where Ratelab comes in. You could check three, six or even nine insurers yourself if you’re ready to submit your information three, six or nine times. With Ratelab’s car insurance calculator, you enter your information once, yet your offer compares with over forty Ontario auto insurance providers. Your chances for saving money are the best they can be, while targeting coverage that’s exactly right for you.

Jaguar In Depth

Jaguar Cars is a multinational British car manufacturer owned by Tata motors and headquartered in Whitley, Coventry, England. In 1945, the company adopted Jaguar, replacing the name S. S. Cars. In 1996, Jaguar merged with the British Motor Corporation and was renamed as British Motor Holdings (BMH) which was followed by yet another merger with Leyland Motor Corporation in 1968 and was again renamed British Leyland. Most Jaguar cars today are designed at the Whitley plant in Coventry and also in Warwickshire at their Gaydon site.

Popular Jaguar Models

Jaguar XK120, XF, XE, XJ220, XK, XJ, F-Type series, Jaguar S-type, Jaguar XJS

The Jaguar XF is a popular luxury car among Canadians and is ranked among the best-selling cars in Canada.

List Of All Models

Jaguar F-Type
Jaguar S-Type
Jaguar X-Type
Jaguar X-Type Wagon
Jaguar XF
Jaguar XJ
Jaguar XJR
Jaguar XK
Jaguar XKR

Safety Of Jaguar Vehicles

The model provides you with complete peace of mind when it comes to safety, Jaguar XF comes with a high-strength reinforce steel to ensure the safety of its occupants. As well as two front airbags, side curtain airbags, two airbags in the outer seat edges, Lane Departure Warning, Traction and stability control, Blind spot monitoring, child safety locks, brake assist, Autopilot, Crash Mitigation, Parallel and Perpendicular Park, anti-theft security system, 

Safety Rating of Jaguar Cars

The XF model earns  four stars from the National Highway Traffic Safety Administration (NHTSA).

Cost of Replacing Jaguar’s Parts

Luxury cars are known to come with fairly expensive parts and the XF model is not an exception; costs of replacing parts are fairly expensive.

Jaguar’s Damage Susceptibility

The NHTSA indicated that the model has a reliability rating of three stars, which is a little above average.

Likelihood of Theft

The model comes with an alarm system as well as an engine immobilizer. The engine immobilizer serves to protect your cars from thieves because it ensures the car does not run unless an authorized key is inserted and that the key matches the other components in the car.  The security system monitors the ignition, the interior, and the entire rear hatch.

References

  1. Jaguar Canada
  2. Consumer Reports: Takata Airbag Recall
  3. com: Jaguar Recalls
  4. IBC: How Cars Measure Up
  5. Financial Services Commission of Ontario

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