Jaguar S-Type insurance group

The Jaguar S-Type is a classy saloon, with a characteristically beautiful appearance and a powerful engine, even for its entry-level trims. It’s generally regarded to be a step below the BMW 5-Series as far as overall performance goes, although it does offer better value for money in the eyes of many. In this guide, you’ll find out how much it costs to insure based on the age and location of the driver.

What insurance group does the Jaguar S-Type fall under?

All cars on the road are assigned a specific insurance group once they’re made available for sale. These groups range from 1 (cheapest) to 50 (most expensive), and this helps determine the cost of your premium. Jaguar S-Type models range from insurance group 36 to 44, meaning premium costs will be very expensive compared to the average vehicle. As an example, a 30-year-old driver in an average postcode could pay around £2,478 for cover on a Jaguar S-Type 2.5 V6 S 4d that is in insurance group 36 or around £1,776 for a Jaguar S-Type 2.7d V6 S 4d that is in insurance group 41. This is a clear illustration of the premium pricing that occurs when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).

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Jaguar S-Type insurance cost by location

One of the biggest factors that affects the cost of your car insurance premium is your location.

To illustrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Jaguar S-Type 4.0 V8 4d Auto.

• Expensive: £9,638 (London SE1)
• Average: £2,182 (Newcastle NE1)
• Cheap: £1,899 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).

Which factors affect my Jaguar S-Type insurance rate?

Along with its insurance group, there are a number of key factors that have an impact on your insurance premium costs. Here are some of the most important.

• Engine type and capacity. The larger a vehicle’s engine, the more you’ll pay for your car insurance, because larger engines typically cost more to repair or replace. As an example, it may cost £9,983 to insure a Jaguar S-Type 2.5 V6 Plus 4d Auto, while you may pay £6,019 for a Jaguar S-Type 4.2 V8 SE Plus 4d Auto. The V8 engine is larger and more powerful, but you can expect to pay £90 more per year compared to the V6 in this example.
• Driver location. Insurers use your home address to determine the level of risk that your car may be stolen or involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £4,143 for insurance for a Jaguar S-Type 2.7d V6 XS 4d, while the same 30-year-old in Newcastle may only pay £1,776. So, the Londoner pays £191 more per year in this example.
• Driver age. The youngest motorists pay more for car insurance because they’re statistically the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £31,530 for the Jaguar S-Type 2.7d V6 Sport 4d, while the average 40-year-old Londoner will only pay £3,190. That’s an extra £1,021 per year that the younger driver will pay in this example.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history
• Your occupation
• The model and age of your car
• Your car’s safety rating score
• Your car’s safety rating and security features
• Your car’s extra anti-theft precautions
• Your annual mileage
• Your driving history, including no-claim discount

How can I save on my Jaguar S-Type premium?

Car insurance shouldn’t break the bank, even for a vehicle like this. It’s highly recommended to find the best deal for a price that’s within your budget. With that in mind, here are some ideas to lower the cost of your premium.

• Limit your annual mileage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premium.
• Pay annually rather than monthly. When you pay annually, you eliminate the possibility of being charged interest on monthly payments.
• Install extra safety precautions. You can reduce your premium by adding various safety measures that make you less likely to get in an accident.
• Shop around for the best deal each year. Don’t just settle for the renewal price offered by your existing insurer. Use price comparison websites to find better deals from competitors each year.

Bottom line

The Jaguar S-Type is a classy vehicle, just like any vehicle carrying the Jaguar brand. The class comes at a cost, and you can expect your insurance costs to be way above average. Thankfully, the tips in this guide will help you to lower your insurance costs.

Frequently asked questions

• What is the top speed of a Jaguar S-Type?

  Depending on the model version, Jaguar S-Types can reach top speeds of 155 miles per hour.

• How much car tax do I have to pay for the Jaguar S-Type?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Jaguar S-Type?

  You can buy a Jaguar S-Type at dealerships, using online sellers or from a current owner.

• What engine size is the Jaguar S-Type?

  Engine sizes range between 2.5 litres and 4.2 litres.

• Is the Jaguar S-Type any good?

  In many quarters, the S-Type is regarded as the best value for money Jaguar, although there are other more expensive vehicles which perform better.

• Where can I find Jaguar S-Type car insurance?

  You can compare the costs of Jaguar S-Type car insurance using any price comparison website.

• Is a Jaguar S-Type expensive to insure?

  This car is found in insurance groups ranging from 36 to 44, meaning this car will cost far more than the average vehicle to insure.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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