Jaguar XJ vs Volvo S60 Insurance Cost

The Jaguar XJ is cheaper to insure by about $35 a year for full coverage by our estimate ($1,480 vs. $1,515), and cheaper in 46 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	Volvo S60	Difference
State minimum	$600	$545	+$55
Standard (100/300/100)	$870	$790	+$80
Full coverage	$1,480	$1,515	−$35

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XJ minus S60.

Why one costs more to insure

Factor	Jaguar XJ	Volvo S60
Segment	Luxury car	Luxury car
Powertrains	Gasoline, Flex-fuel	Gasoline, Hybrid, Plug-in hybrid
HLDI collision (100 = avg)	—	110
HLDI comprehensive	—	108
HLDI property damage liability	—	85
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	7

XJ vs S60 insurance by state

State	XJ	S60	Difference
Alabama	$1,280	$1,335	−$55
Alaska	$1,295	$1,330	−$35
Arizona	$1,550	$1,585	−$35
Arkansas	$1,290	$1,360	−$70
California	$1,445	$1,495	−$50
Colorado	$1,665	$1,735	−$70
Connecticut	$1,580	$1,595	−$15
Delaware	$1,665	$1,660	+$5
District of Columbia	$1,860	$1,915	−$55
Florida	$2,135	$2,115	+$20
Georgia	$1,845	$1,845	—
Hawaii	$1,015	$1,050	−$35
Idaho	$1,000	$1,030	−$30
Illinois	$1,275	$1,320	−$45
Indiana	$1,045	$1,085	−$40
Iowa	$985	$1,055	−$70
Kansas	$1,165	$1,235	−$70
Kentucky	$1,245	$1,270	−$25
Louisiana	$2,045	$2,090	−$45
Maine	$935	$975	−$40
Maryland	$1,665	$1,690	−$25
Massachusetts	$1,455	$1,490	−$35
Michigan	$1,605	$1,655	−$50
Minnesota	$1,220	$1,280	−$60
Mississippi	$1,405	$1,465	−$60
Missouri	$1,330	$1,390	−$60
Montana	$1,160	$1,235	−$75
Nebraska	$1,165	$1,235	−$70
Nevada	$1,720	$1,695	+$25
New Hampshire	$1,050	$1,085	−$35
New Jersey	$1,800	$1,795	+$5
New Mexico	$1,320	$1,365	−$45
New York	$1,995	$2,005	−$10
North Carolina	$1,090	$1,150	−$60
North Dakota	$925	$1,000	−$75
Ohio	$1,050	$1,090	−$40
Oklahoma	$1,315	$1,385	−$70
Oregon	$1,335	$1,340	−$5
Pennsylvania	$1,280	$1,335	−$55
Rhode Island	$1,800	$1,810	−$10
South Carolina	$1,590	$1,600	−$10
South Dakota	$1,100	$1,200	−$100
Tennessee	$1,220	$1,275	−$55
Texas	$1,740	$1,810	−$70
Utah	$1,350	$1,360	−$10
Vermont	$950	$1,005	−$55
Virginia	$1,270	$1,305	−$35
Washington	$1,295	$1,305	−$10
West Virginia	$1,220	$1,285	−$65
Wisconsin	$1,000	$1,050	−$50
Wyoming	$1,125	$1,225	−$100

By driver profile (full coverage)

Driver	XJ	S60
Teen driver (18, own policy)	$4,065	$4,165
Young adult (22)	$2,365	$2,425
Adult in their 30s	$1,480	$1,515
Adult in their 50s	$1,360	$1,395
Senior (72)	$1,655	$1,695
30s, one at-fault accident	$2,145	$2,195
30s, DUI on record	$2,735	$2,805

More comparisons

Frequently asked questions

Is the Jaguar XJ or the Volvo S60 cheaper to insure?

By our estimate the Jaguar XJ is cheaper, by about $35 a year for full coverage ($1,480 vs. $1,515) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Jaguar XJ and Volvo S60?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 110 and comprehensive indices of n/a vs. 108 (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