Jaguar XF (2020)

Estimated running costs and MOT pass rates from 2,918 MOT tests in 2024.

Annual Cost

£2,131

£178/month

MOT Pass Rate

91%

Excellent

Road Tax

£200

Standard rate/year

Est. Insurance

Grp 30-42

2993cc Diesel

Great Choice

91% pass rate, £2,131/year to run. 9 points above average.

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Diesel2993cc6 years old2,918 tests34k miles avg

Annual Running Costs

Fuel (Diesel, 2993cc)

~40 mpg

£1,676

Road Tax

Standard rate (from April 2017)

£200

MOT Test

£55

Predicted Repairs

Low estimate due to excellent reliability

£200

Total per year£2,131

Per month£178/mo

Per week£41/wk

Estimates based on 7,400 miles/year (UK average), diesel at 199.33p a litre (GOV.UK weekly average, week of 19 October 2026), GOV.UK road tax rates and repair likelihood from MOT data. Insurance not included. Cars registered from April 2017 pay the £200 standard rate, plus £440 a year for five years (from the second year) if they cost over £40,000 new (over £50,000 for electric cars).

Reliability Verdict

91% MOT pass rate(Excellent)

0%All-model avg: 82%100%

Excellent reliability. Very few MOT failures. That's 9 points above the average of 82% across all models in our data.

91% of MOT tests on Jaguar XFs from 2020 ended in a pass in 2024, when they were about 4 years old. That's based on 2,918 tests across the UK, retests included. The average mileage recorded at those tests was 33,707 miles.

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How Does It Compare?

Rank among 2020 models1501st of 2,554(bottom half)

Rank among Jaguar models117th of 292(top half)

vs average of all models+9%(82% avg)

vs 2020 models average-1%(92% avg)

vs Jaguar average+3%(88% avg)

Mileage Analysis

33,707

Average miles

29,600

Expected for age

The average 2020 Jaguar XF had 33,707 miles on the clock at its 2024 MOT, which is in line with the expected 29,600 miles for a 4-year-old car, suggesting normal everyday use.

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Best Year to Buy?

Of the years with at least 100 tests, the 2018 model has the highest MOT pass rate at 92%, while the 2009 model has the lowest at 77%. The 2020 scores 91%. Newer cars usually pass more often simply because they are younger, so compare years of a similar age.

Jaguar XF by Year

Year	Pass Rate	Tests	Avg Mileage
2021	91%	211	24,533 mi
2020	91%	2,918	33,707 mi
2019	90%	6,743	42,911 mi
2018	92%	11,317	51,016 mi
2017	90%	15,028	61,875 mi
2016	90%	18,221	71,838 mi
2015	86%	20,980	80,637 mi
2014	84%	26,866	88,202 mi
2013	82%	24,451	94,587 mi
2012	82%	22,165	100,661 mi
2011	81%	18,258	103,487 mi
2010	80%	19,704	106,321 mi
2009	77%	14,981	112,455 mi
2008	78%	12,062	112,899 mi
2007	79%	141	115,288 mi

Similar Cars to Consider

Mercedes E

2019 · 2925cc Diesel

£2,131/year

90%

-1%

Mercedes GLC

2018 · 2987cc Diesel

£2,131/year

91%

same

Ford Ranger

2019 · 3198cc Diesel

£2,281/year

87%

-4%

Land Rover Range Rover Velar

2018 · 2993cc Diesel

£2,131/year

91%

same

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About the 2020 Jaguar XF

The 2020 Jaguar XF is a premium performance car. Our records list a 2993cc diesel engine, though engines vary between versions. 2,918 MOT tests were recorded on this model in 2024, making it a reasonably common sight on UK roads. Among all models from 2020, the average MOT pass rate is 92%, and this model falls short of that benchmark.

With an average of 33,707 miles recorded at its 2024 MOT tests, Jaguar XF owners drive about as much as the UK average.

2020 Jaguar XF Fuel Costs

The 2993cc diesel engine is on the larger side, so fuel won't be this car's strong point. Expect around 40 mpg in mixed driving, which works out to roughly £1,676 per year with diesel at 199.33p per litre (GOV.UK weekly average, week of 19 October 2026; based on 7,400 miles per year). Diesel cars of this age should have their DPF (diesel particulate filter) checked, as replacements can be costly.

What does it cost to own a 2020 Jaguar XF?

Total estimated annual running cost is £2,131 (£178/month), broken down as £1,676 fuel, £200 road tax, £55 MOT, and £200 predicted repairs. The low repair estimate reflects the excellent 91% pass rate. These cars rarely fail their MOT, so unexpected bills are less likely.

Jaguar XF Reliability Trend

Newer Jaguar XFs pass their MOT more often than older ones, by 9 percentage points on average, which is mostly down to age and wear.

Buying a Used 2020 Jaguar XF

At 6 years old, the Jaguar XF offers good value with plenty of life remaining. Most manufacturer warranties will have expired, so a pre-purchase inspection is worth the cost. If you're flexible on year, the 2018 model has the highest pass rate at 92%.

Common Issues to Watch For

These are typical issues for cars of this age, fuel type and engine size, not faults recorded on this model's MOT tests. Use them as a checklist when you view one.

DPF (Diesel Particulate Filter)

Watch out

Short journeys clog the DPF. Replacement costs £1,000-£2,500. Check the DPF warning light and ask about driving patterns.

Turbo Wear

Medium risk

Diesel turbos work harder and wear faster. Listen for whining noises and check for oil leaks around the turbo housing.

AdBlue System

Medium risk

Post-2015 diesels use AdBlue for emissions. Sensor failures and tank heater issues are common. Budget £200-£500 for repairs.

EGR Valve

Watch out

Exhaust Gas Recirculation valves clog with carbon deposits, causing rough running and poor economy. Cleaning costs £150-£300, replacement £300-£600.

Dual Mass Flywheel

Medium risk

Larger diesel engines put extra strain on the dual mass flywheel. Listen for rattling at idle. Replacement with clutch is £800-£1,500.

Service History

Low risk

Always request a full service history. Regular servicing is the single best indicator of how well a car has been maintained, regardless of mileage.

Running Costs Compared

How the 2020 Jaguar XF stacks up against similar cars for estimated annual running costs, insurance group, and tax.

Car	Pass Rate	Fuel/yr	Tax/yr	Est. Ins. Group	Total/yr
Jaguar XF(2020)	91%	£1,676	£200	Grp 30-42	£2,131
Mercedes E(2019)	90%	£1,676	£200	Grp 30-42	£2,131same
Mercedes GLC(2018)	91%	£1,676	£200	Grp 30-42	£2,131same
Ford Ranger(2019)	87%	£1,676	£200	Grp 35-50	£2,281+£150
Land Rover Range Rover Velar(2018)	91%	£1,676	£200	Grp 30-42	£2,131same

Estimates based on 7,400 miles/year, GOV.UK average pump prices for the week of 19 October 2026, GOV.UK road tax rates and MOT data. Insurance groups are our rough estimate from engine size, not official groups. Actual costs vary by driver, location, and usage.

Questions about the 2020 Jaguar XF

Is the 2020 Jaguar XF reliable?

Excellent reliability. Very few MOT failures. 91% of MOT tests on 2020 Jaguar XFs ended in a pass, from 2,918 tests (DVSA MOT data for tests in 2024, retests included). That's 9 points above the average of 82% across all models in the same data.

How much does a 2020 Jaguar XF cost to run?

Our estimate is £2,131 a year (£178 a month): £1,676 fuel, £200 road tax, £55 MOT and £200 predicted repairs, based on 7,400 miles a year. Insurance is not included.

What is the MOT pass rate for a 2020 Jaguar XF?

91% of 2,918 MOT tests on the 2020 Jaguar XF ended in a pass (DVSA MOT data for tests in 2024, retests included). That ranks it 1501st of 2,554 models first registered in 2020 (bottom half).

Which year Jaguar XF has the best MOT pass rate?

Of the years with at least 100 tests, the 2018 Jaguar XF has the highest MOT pass rate at 92% and the 2009 the lowest at 77%. Newer cars usually pass more often simply because they are younger and have done fewer miles.

What is the average mileage for a 2020 Jaguar XF?

The average mileage recorded at MOT tests on the 2020 Jaguar XF is 33,707 miles, which is in line with the expected 29,600 miles for a 4-year-old car, suggesting normal everyday use.