Jaguar XJ vs Lexus CT Insurance Cost

The Lexus CT is cheaper to insure by about $85 a year for full coverage by our estimate ($1,480 vs. $1,395), 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	Lexus CT	Difference
State minimum	$600	$600	—
Standard (100/300/100)	$870	$870	—
Full coverage	$1,480	$1,395	+$85

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

Why one costs more to insure

Factor	Jaguar XJ	Lexus CT
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Flex-fuel	Hybrid
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	0

XJ vs CT insurance by state

State	XJ	CT	Difference
Alabama	$1,280	$1,195	+$85
Alaska	$1,295	$1,215	+$80
Arizona	$1,550	$1,465	+$85
Arkansas	$1,290	$1,195	+$95
California	$1,445	$1,355	+$90
Colorado	$1,665	$1,560	+$105
Connecticut	$1,580	$1,500	+$80
Delaware	$1,665	$1,590	+$75
District of Columbia	$1,860	$1,745	+$115
Florida	$2,135	$2,050	+$85
Georgia	$1,845	$1,760	+$85
Hawaii	$1,015	$950	+$65
Idaho	$1,000	$940	+$60
Illinois	$1,275	$1,195	+$80
Indiana	$1,045	$980	+$65
Iowa	$985	$915	+$70
Kansas	$1,165	$1,080	+$85
Kentucky	$1,245	$1,175	+$70
Louisiana	$2,045	$1,935	+$110
Maine	$935	$875	+$60
Maryland	$1,665	$1,575	+$90
Massachusetts	$1,455	$1,365	+$90
Michigan	$1,605	$1,510	+$95
Minnesota	$1,220	$1,140	+$80
Mississippi	$1,405	$1,310	+$95
Missouri	$1,330	$1,245	+$85
Montana	$1,160	$1,075	+$85
Nebraska	$1,165	$1,085	+$80
Nevada	$1,720	$1,650	+$70
New Hampshire	$1,050	$980	+$70
New Jersey	$1,800	$1,715	+$85
New Mexico	$1,320	$1,240	+$80
New York	$1,995	$1,900	+$95
North Carolina	$1,090	$1,015	+$75
North Dakota	$925	$850	+$75
Ohio	$1,050	$985	+$65
Oklahoma	$1,315	$1,225	+$90
Oregon	$1,335	$1,275	+$60
Pennsylvania	$1,280	$1,195	+$85
Rhode Island	$1,800	$1,710	+$90
South Carolina	$1,590	$1,510	+$80
South Dakota	$1,100	$1,010	+$90
Tennessee	$1,220	$1,140	+$80
Texas	$1,740	$1,625	+$115
Utah	$1,350	$1,285	+$65
Vermont	$950	$880	+$70
Virginia	$1,270	$1,195	+$75
Washington	$1,295	$1,230	+$65
West Virginia	$1,220	$1,135	+$85
Wisconsin	$1,000	$935	+$65
Wyoming	$1,125	$1,035	+$90

By driver profile (full coverage)

Driver	XJ	CT
Teen driver (18, own policy)	$4,065	$3,830
Young adult (22)	$2,365	$2,230
Adult in their 30s	$1,480	$1,395
Adult in their 50s	$1,360	$1,280
Senior (72)	$1,655	$1,560
30s, one at-fault accident	$2,145	$2,020
30s, DUI on record	$2,735	$2,575

More comparisons

Frequently asked questions

Is the Jaguar XJ or the Lexus CT cheaper to insure?

By our estimate the Lexus CT is cheaper, by about $85 a year for full coverage ($1,480 vs. $1,395) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jaguar XJ and Lexus CT?

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