Get a used midsize luxury sedan for less than a new Toyota Camry

If you’re shopping for a new family sedan, you may be surprised to learn that the money set aside for a brand-new Toyota Camry can now buy something a little more upscale on the used market. Thanks to a rapid decline in the luxury segment, a refined midsize sedan with premium materials, sharp styling and a more exclusive badge has quietly slid into mainstream pricing territory. For value-focused buyers, this shift changes the entire conversation.

This used luxury sedan offers the kind of comfort and polish that most shoppers don’t expect at this price point. The cabin is quiet and well-insulated, prioritizing softness over solidity, and the overall design feels more personal than anything you’ll find in a typical mass-market option. State-of-the-art infotainment, advanced driver-assistance features, and confident road manners all help it feel like a real step up from conventional alternatives.

For drivers who want something different than the usual midsize sedans, this is a rare opportunity. It offers premium appeal, a strong road presence, and a more engaging ownership experience, without the premium price of a new car. This makes it one of the smartest used luxury cars on the market today.

In order to provide you with the most current and accurate information possible, the data used to compile this article was obtained from various manufacturers’ websites and other trusted sources, including EPA, JD Power, RepairPal, CarEdge, and Edmunds.

Get this midsize sedan for under $30,000

Instead of a new Camry, consider this luxury sedan instead

Jaguar is a brand that has gone through some major changes recently, and they have not been well received. If you’re looking to capture the essence of the brand before it’s been refurbished, a used Jaguar XF will definitely satisfy your cravings. Even better is the fact that if you buy a five-year-old model, you’ll spend thousands less than you would on something like a brand-new Toyota Camry.

Average price of a used Jaguar XF 2021

When a Jaguar XF was new, it would cost you between $45,145 and $51,145, which means you’re saving yourself a lot of money buying a used model. The above table may be confusing, as P250 has a lower average price than P300, but that’s because most people chose the latter, with the lower volume of P250 available skewing the numbers.

We think choosing the P300 is a no-brainer. The extra power is great and the fact that there are more models to choose from allows you to shop around a little more. The R Dynamic SE is also the most popular model, and its low price means it’s the model we’ll look forward to owning, and it comes with the best kit Jaguar has to offer.

Maintenance, warranties and reliability

• Average annual maintenance costs: $1,066 (RepairPal)
• Average maintenance costs for ten years: $12,715 (carriage)

There are a lot of caveats to consider when purchasing a Jaguar XF. First and foremost is reliability. Part of the reason Jaguar had to rebrand was because its reputation for reliability was so poor. However, the truth is that they are much more reliable than their reputation might suggest. We’re not saying they’re at the top of their class, we’re saying they’re about average rather than at the bottom of the pack. Maintenance costs are another thing to consider, as the XF isn’t an exceptionally cheap car to take care of.

There are some positives here, though. Jaguar offers a five-year, 60,000-mile warranty package and free maintenance for the same period of time. Although there will be no balance between these plans if you choose a used one, you can at least rest assured that the model you are looking at has been taken care of by the professionals at Jaguar.

If you’re looking for something fast and comfortable, the Jag is a great choice

Four pot fun and a smooth ride

Unfortunately, Jaguar decided at some point that it would only offer a four-cylinder engine option in the XF, ditching the supercharged V6. Although this is a big bummer, the four-cylinder engine options are actually much better than you might expect. Along with a comfortable ride, the sedan is capable of delivering drama in ways that only Jaguar can achieve.

2021 Jaguar XF performance

Both the P250 and P300 come with a turbocharged four-cylinder engine under the hood. It is clear that the P300 is the more powerful of the two devices. Both come with an eight-speed automatic transmission. P250 models have a choice of rear-wheel drive or all-wheel drive while P300 models only come with the latter.

Jaguar finds a great balance between comfort and performance in the XF. The suspension system is able to provide a comfortable ride while at the same time offering impressive levels of agility. The steering feels well weighted, able to transition smoothly between lightness at low speeds and heaviness at high speeds.

Fuel economy

Although it’s not the most efficient car in its class, the XF still performs reasonably well according to EPA estimates. The rear-drive P250 is the most efficient model by a decent margin. Opting for all-wheel drive means you lose about two miles per gallon. Using P300 means you lose an extra mile per gallon overall.

Nobody performs as well as the Jaguars used to do

The XF has an incredibly luxurious cabin

There are a lot of reasonable criticisms that can be leveled against the Jaguar, but the one thing you can’t really deny is that it looks beautiful, inside and out. The 2021 XF is no exception, featuring a stylish, simple cabin equipped with high-quality materials and features. Instead of a standard sedan ride, the XF can make you relax in style.

Interior comfort of Jaguar XF 2021

The XF is one of the smaller sedans in the midsize sedan segment, but it still offers plenty of room for passengers. Even the tallest adults will find themselves very comfortable, even if they are relegated to the back seats. However, the trunk is an area where the Jag falls a little short, with other midsize luxury sedans featuring more spacious cargo compartments.

The XF’s cabin feels instantly luxurious. Everything from the design to the materials used screams sophistication. Every major touch point is covered with soft-touch material. There’s also plenty of storage space throughout the cabin in the form of multiple compartments that add to the overall practicality. Things like heated seats, a power-adjustable driver’s seat, dual-zone automatic climate control, and ambient interior lighting are all standard.

Infotainment and technology

Every Jaguar XF comes standard with an 11.4-inch infotainment screen mounted in the middle of the dashboard. It features clear graphics and is located behind curved glass for a more premium feel. A fully digital gauge display is also standard on all models. We appreciate that even with the prioritization of displays, there are still plenty of physical knobs and buttons to control basic functions in the cabin.

Apple CarPlay and Android Auto integration are, of course, standard here. Even more impressive is that each model comes with an impressive 12-speaker Meridian sound system. This system also features active noise cancellation to help keep the world outside the cabin at bay.