Jaguar XJ vs BMW i3 Insurance Cost

The Jaguar XJ is cheaper to insure by about $85 a year for full coverage by our estimate ($1,480 vs. $1,565), 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	BMW i3	Difference
State minimum	$600	$600	—
Standard (100/300/100)	$870	$870	—
Full coverage	$1,480	$1,565	−$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XJ minus i3.

Why one costs more to insure

Factor	Jaguar XJ	BMW i3
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Flex-fuel	Plug-in hybrid, Electric
HLDI collision (100 = avg)	—	—
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)	4	1

XJ vs i3 insurance by state

State	XJ	i3	Difference
Alabama	$1,280	$1,365	−$85
Alaska	$1,295	$1,370	−$75
Arizona	$1,550	$1,635	−$85
Arkansas	$1,290	$1,380	−$90
California	$1,445	$1,540	−$95
Colorado	$1,665	$1,770	−$105
Connecticut	$1,580	$1,660	−$80
Delaware	$1,665	$1,740	−$75
District of Columbia	$1,860	$1,975	−$115
Florida	$2,135	$2,220	−$85
Georgia	$1,845	$1,930	−$85
Hawaii	$1,015	$1,080	−$65
Idaho	$1,000	$1,060	−$60
Illinois	$1,275	$1,355	−$80
Indiana	$1,045	$1,115	−$70
Iowa	$985	$1,060	−$75
Kansas	$1,165	$1,250	−$85
Kentucky	$1,245	$1,315	−$70
Louisiana	$2,045	$2,160	−$115
Maine	$935	$995	−$60
Maryland	$1,665	$1,755	−$90
Massachusetts	$1,455	$1,540	−$85
Michigan	$1,605	$1,705	−$100
Minnesota	$1,220	$1,305	−$85
Mississippi	$1,405	$1,495	−$90
Missouri	$1,330	$1,420	−$90
Montana	$1,160	$1,245	−$85
Nebraska	$1,165	$1,250	−$85
Nevada	$1,720	$1,790	−$70
New Hampshire	$1,050	$1,115	−$65
New Jersey	$1,800	$1,880	−$80
New Mexico	$1,320	$1,405	−$85
New York	$1,995	$2,095	−$100
North Carolina	$1,090	$1,170	−$80
North Dakota	$925	$1,000	−$75
Ohio	$1,050	$1,120	−$70
Oklahoma	$1,315	$1,410	−$95
Oregon	$1,335	$1,400	−$65
Pennsylvania	$1,280	$1,365	−$85
Rhode Island	$1,800	$1,885	−$85
South Carolina	$1,590	$1,665	−$75
South Dakota	$1,100	$1,195	−$95
Tennessee	$1,220	$1,300	−$80
Texas	$1,740	$1,850	−$110
Utah	$1,350	$1,415	−$65
Vermont	$950	$1,020	−$70
Virginia	$1,270	$1,345	−$75
Washington	$1,295	$1,360	−$65
West Virginia	$1,220	$1,305	−$85
Wisconsin	$1,000	$1,070	−$70
Wyoming	$1,125	$1,220	−$95

By driver profile (full coverage)

Driver	XJ	i3
Teen driver (18, own policy)	$4,065	$4,300
Young adult (22)	$2,365	$2,500
Adult in their 30s	$1,480	$1,565
Adult in their 50s	$1,360	$1,440
Senior (72)	$1,655	$1,750
30s, one at-fault accident	$2,145	$2,265
30s, DUI on record	$2,735	$2,895

More comparisons

Frequently asked questions

Is the Jaguar XJ or the BMW i3 cheaper to insure?

By our estimate the Jaguar XJ is cheaper, by about $85 a year for full coverage ($1,480 vs. $1,565) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jaguar XJ and BMW i3?

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