Jaguar X-Type insurance group

The Jaguar X-Type is an executive saloon, which is widely regarded as having failed to hit the lofty heights set by the Jaguar brand. The British luxury motoring brand is known for delivering classy rides, but the X-Type was criticised for basic mechanical reliability issues. That’s not to say it’s a bad car though – especially the later models – and you should be able to pick up a second-hand X-Type for a great value price these days. 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 X-Type fall under?

Every vehicle is given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps insurers determine the cost of your premium. Jaguar X-Type models can be found in insurance groups ranging from 29 to 38, meaning you’ll pay more to insure this car compared to the average vehicle. As an example, a 30-year-old driver in an average postcode could pay around £680 for cover on a Jaguar X-Type 2.0 V6 4d that is in insurance group 29 or around £2,478 for a Jaguar X-Type 2.5 3.0 V6 Sport Premium Collection 4d Auto that is in insurance group 38. This is clear impact 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 X-Type insurance cost by location

Among the other factors that affect the cost of your car insurance premiums, one of the biggest is your location.

To demonstrate the importance of your home address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an Jaguar X-Type 2.0 V6 Sport 4d.

• Expensive: £1,600 (London SE1)
• Average: £680 (Newcastle NE1)
• Cheap: £734 (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 X-Type insurance rate?

Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. You can expect to pay more to insure cars with larger engines, because these cost more to repair and replace. For example, it may cost £1,600 for insurance for a Jaguar X-Type 2.0 V6 4d Auto, while you may pay £9,983 for a Jaguar X-Type 3.0 V6 Sovereign 4d Auto. So, in this example, you’ll pay an extra £127 per year to insure the same car for an engine that’s one litre bigger.
• 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 £2,154 for insurance for a Jaguar X-Type 2.0d Sovereign 4d, while the same 30-year-old in Newcastle may only pay £896. That’s an additional £140 per year this person would pay should they choose to move from Newcastle to London.
• Driver age. The youngest drivers will pay the most for car insurance because they are the most likely to make a claim. As an example, the average 20-year-old driver in London may pay £24,691 for the Jaguar X-Type 2.5 V6 S 4d, while the average 40-year-old Londoner will only pay £2,848. So, the younger driver would pay an extra £889 per year in this example.

Other factors that influence the cost of your insurance include:

• 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 and activity
• Your no-claims discount
• Your marital status
• Your credit history and job

How can I save on my Jaguar X-Type premiums?

Car insurance is a compulsory purchase, but that doesn’t mean you should let it break the bank. You should take the time to find the best deal for a price that’s within your budget. Here are some ideas to help you do that:

• Limit your annual mileage (where possible). Motorists with a lower annual mileage have a lower risk of making a claim. So, consider whether you can occasionally use public transport or travel on foot rather than using your car.
• Pay your premiums annually, rather than monthly. When you pay annually, you eliminate the possibility of being charged interest on monthly repayments.
• Install extra safety precautions. By adding extra safety measures, you make your car less of a risk for companies to insure. That’s why many insurers are happy to lower your premium when you do so.
• Shop around for the best deal. Don’t blindly settle for the renewal price offered to you by your existing insurer. Use price comparison websites to search for cheaper options each year. You’ll usually be able to save money by switching insurers.

Bottom line

This is a classy estate car which provides all the quality you’d expect from a Jaguar. You’ll pay well over the average rate to insure this vehicle, but the tips in this guide will help you to reduce your premiums.

Frequently asked questions

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

  Depending on the model version, Jaguar X-Types can reach top speeds of 129 miles per hour.

• Is the Jaguar X-Type safe?

  In its Euro NCAP crash tests, this vehicle achieved a full 4-star rating for protecting adult occupants, but just a one-star rating for protecting pedestrians in the case of a crash.

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

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

• What engine size is the Jaguar X-Type?

  Engine sizes range between 2 litres and 3 litres.

• Is the Jaguar X-Type any good?

  The X-Type is widely regarded to be inferior to most other Jaguar saloons, but it’s still a decent drive which you should be able to pick up for a decent price these days.

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

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

• Is a Jaguar X-Type expensive to insure?

  You’ll find the Jaguar X-Type in insurance groups ranging from 29 to 38. This means you’ll pay more to insure this car, compared to the average vehicle.

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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