Jaguar XF vs Mercedes-Benz E-Class Insurance Cost
The Jaguar XF is cheaper to insure by about $135 a year for full coverage by our estimate ($1,675 vs. $1,810), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Jaguar XF | Mercedes-Benz E-Class | Difference |
|---|---|---|---|
| State minimum | $600 | $600 | — |
| Standard (100/300/100) | $870 | $870 | — |
| Full coverage | $1,675 | $1,810 | −$135 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XF minus E-Class.
Why one costs more to insure
| Factor | Jaguar XF | Mercedes-Benz E-Class |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Diesel, Flex-fuel | Gasoline, Hybrid, Plug-in hybrid, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 135 | 138 |
| HLDI comprehensive | — | — |
| HLDI property damage liability | — | — |
| HLDI bodily injury liability | — | — |
| NHTSA overall rating | — | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 1 | 3 |
Collision losses are the biggest swing factor: the Mercedes-Benz E-Class has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
XF vs E-Class insurance by state
By driver profile (full coverage)
| Driver | XF | E-Class |
|---|---|---|
| Teen driver (18, own policy) | $4,605 | $4,980 |
| Young adult (22) | $2,680 | $2,900 |
| Adult in their 30s | $1,675 | $1,810 |
| Adult in their 50s | $1,540 | $1,665 |
| Senior (72) | $1,875 | $2,030 |
| 30s, one at-fault accident | $2,430 | $2,625 |
| 30s, DUI on record | $3,100 | $3,350 |
More comparisons
Frequently asked questions
Is the Jaguar XF or the Mercedes-Benz E-Class cheaper to insure?
By our estimate the Jaguar XF is cheaper, by about $135 a year for full coverage ($1,675 vs. $1,810) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Jaguar XF and Mercedes-Benz E-Class?
Mostly because of insurance-loss history: HLDI collision indices of 135 vs. 138 and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.