Jaguar XJ vs Acura ILX Insurance Cost

The Jaguar XJ is cheaper to insure by about $100 a year for full coverage by our estimate ($1,480 vs. $1,580), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Jaguar XJ	Acura ILX	Difference
State minimum	$600	$585	+$15
Standard (100/300/100)	$870	$845	+$25
Full coverage	$1,480	$1,580	−$100

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XJ minus ILX.

Why one costs more to insure

Factor	Jaguar XJ	Acura ILX
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Flex-fuel	Gasoline, Hybrid
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	—	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	4	2

XJ vs ILX insurance by state

State	XJ	ILX	Difference
Alabama	$1,280	$1,385	−$105
Alaska	$1,295	$1,390	−$95
Arizona	$1,550	$1,650	−$100
Arkansas	$1,290	$1,405	−$115
California	$1,445	$1,565	−$120
Colorado	$1,665	$1,795	−$130
Connecticut	$1,580	$1,670	−$90
Delaware	$1,665	$1,740	−$75
District of Columbia	$1,860	$2,000	−$140
Florida	$2,135	$2,220	−$85
Georgia	$1,845	$1,935	−$90
Hawaii	$1,015	$1,100	−$85
Idaho	$1,000	$1,075	−$75
Illinois	$1,275	$1,375	−$100
Indiana	$1,045	$1,130	−$85
Iowa	$985	$1,085	−$100
Kansas	$1,165	$1,270	−$105
Kentucky	$1,245	$1,325	−$80
Louisiana	$2,045	$2,180	−$135
Maine	$935	$1,015	−$80
Maryland	$1,665	$1,770	−$105
Massachusetts	$1,455	$1,560	−$105
Michigan	$1,605	$1,730	−$125
Minnesota	$1,220	$1,325	−$105
Mississippi	$1,405	$1,515	−$110
Missouri	$1,330	$1,440	−$110
Montana	$1,160	$1,270	−$110
Nebraska	$1,165	$1,275	−$110
Nevada	$1,720	$1,785	−$65
New Hampshire	$1,050	$1,130	−$80
New Jersey	$1,800	$1,885	−$85
New Mexico	$1,320	$1,420	−$100
New York	$1,995	$2,100	−$105
North Carolina	$1,090	$1,195	−$105
North Dakota	$925	$1,030	−$105
Ohio	$1,050	$1,135	−$85
Oklahoma	$1,315	$1,435	−$120
Oregon	$1,335	$1,405	−$70
Pennsylvania	$1,280	$1,390	−$110
Rhode Island	$1,800	$1,895	−$95
South Carolina	$1,590	$1,670	−$80
South Dakota	$1,100	$1,225	−$125
Tennessee	$1,220	$1,325	−$105
Texas	$1,740	$1,880	−$140
Utah	$1,350	$1,425	−$75
Vermont	$950	$1,040	−$90
Virginia	$1,270	$1,360	−$90
Washington	$1,295	$1,365	−$70
West Virginia	$1,220	$1,330	−$110
Wisconsin	$1,000	$1,085	−$85
Wyoming	$1,125	$1,255	−$130

By driver profile (full coverage)

Driver	XJ	ILX
Teen driver (18, own policy)	$4,065	$4,345
Young adult (22)	$2,365	$2,530
Adult in their 30s	$1,480	$1,580
Adult in their 50s	$1,360	$1,455
Senior (72)	$1,655	$1,770
30s, one at-fault accident	$2,145	$2,290
30s, DUI on record	$2,735	$2,925

More comparisons

Frequently asked questions

Is the Jaguar XJ or the Acura ILX cheaper to insure?

By our estimate the Jaguar XJ is cheaper, by about $100 a year for full coverage ($1,480 vs. $1,580) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jaguar XJ and Acura ILX?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a 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.

Sources used on this page