Jaguar XF Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance rates for a Jaguar XF are $1,172 a year including full coverage. Comprehensive costs on average $220 each year, collision insurance costs $320, and liability is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs around $2,526. 16-year-old drivers pay the highest rates at up to $4,572 a year.
Average premium for full coverage: $1,172
Price estimates by individual coverage:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and XF models.
Price Range from Low to High
For the normal driver, Jaguar XF insurance prices range from as low as $522 for minimum levels of liability insurance to a high rate of $2,526 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects car insurance rates.
The ranges above highlight why all drivers should get quotes based on a specific location and risk profile, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down average Jaguar XF insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $695
- Choosing higher $1,000 deductibles can save around $122 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,172
- Buying low deductibles for comp and collision coverage will increase the cost to $1,408
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,526
- The price for full coverage for a teen driver may cost $4,572 each year
Car insurance prices for a Jaguar XF are also quite variable based on your driving record, the model of your XF, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Jaguar XF insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,670 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$110 | -9.4% |
| Alaska | $900 | -$272 | -23.2% |
| Arizona | $974 | -$198 | -16.9% |
| Arkansas | $1,172 | -$0 | 0.0% |
| California | $1,338 | $166 | 14.2% |
| Colorado | $1,120 | -$52 | -4.4% |
| Connecticut | $1,206 | $34 | 2.9% |
| Delaware | $1,328 | $156 | 13.3% |
| Florida | $1,468 | $296 | 25.3% |
| Georgia | $1,082 | -$90 | -7.7% |
| Hawaii | $842 | -$330 | -28.2% |
| Idaho | $792 | -$380 | -32.4% |
| Illinois | $872 | -$300 | -25.6% |
| Indiana | $882 | -$290 | -24.7% |
| Iowa | $792 | -$380 | -32.4% |
| Kansas | $1,116 | -$56 | -4.8% |
| Kentucky | $1,600 | $428 | 36.5% |
| Louisiana | $1,734 | $562 | 48.0% |
| Maine | $724 | -$448 | -38.2% |
| Maryland | $966 | -$206 | -17.6% |
| Massachusetts | $938 | -$234 | -20.0% |
| Michigan | $2,038 | $866 | 73.9% |
| Minnesota | $980 | -$192 | -16.4% |
| Mississippi | $1,404 | $232 | 19.8% |
| Missouri | $1,040 | -$132 | -11.3% |
| Montana | $1,260 | $88 | 7.5% |
| Nebraska | $924 | -$248 | -21.2% |
| Nevada | $1,406 | $234 | 20.0% |
| New Hampshire | $844 | -$328 | -28.0% |
| New Jersey | $1,310 | $138 | 11.8% |
| New Mexico | $1,040 | -$132 | -11.3% |
| New York | $1,236 | $64 | 5.5% |
| North Carolina | $676 | -$496 | -42.3% |
| North Dakota | $960 | -$212 | -18.1% |
| Ohio | $810 | -$362 | -30.9% |
| Oklahoma | $1,204 | $32 | 2.7% |
| Oregon | $1,074 | -$98 | -8.4% |
| Pennsylvania | $1,120 | -$52 | -4.4% |
| Rhode Island | $1,564 | $392 | 33.4% |
| South Carolina | $1,062 | -$110 | -9.4% |
| South Dakota | $990 | -$182 | -15.5% |
| Tennessee | $1,028 | -$144 | -12.3% |
| Texas | $1,414 | $242 | 20.6% |
| Utah | $870 | -$302 | -25.8% |
| Vermont | $802 | -$370 | -31.6% |
| Virginia | $702 | -$470 | -40.1% |
| Washington | $908 | -$264 | -22.5% |
| West Virginia | $1,074 | -$98 | -8.4% |
| Wisconsin | $812 | -$360 | -30.7% |
| Wyoming | $1,046 | -$126 | -10.8% |
Opting for high physical damage deductibles can save as much as $360 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 133% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,136 | $95 |
| Jaguar XF Premium 4-Dr Sedan | $1,154 | $96 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,192 | $99 |
| Jaguar XF R 4-Dr Sedan | $1,230 | $103 |
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2023 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2022 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2021 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2020 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2019 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2018 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2017 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2016 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2015 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2014 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2013 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2012 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2011 Jaguar XF | $220 | $320 | $474 | $1,172 |
| 2010 Jaguar XF | $214 | $288 | $468 | $1,128 |
| 2009 Jaguar XF | $210 | $282 | $460 | $1,110 |
Rates are averaged for all Jaguar XF models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Right Jaguar XF Insurance
Getting lower rates on car insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The list below is a quick rundown of the coverage data presented in the illustrations above.
- You may be able to save as much as $140 per year just by quoting online in advance
- Increasing physical damage deductibles can save around $350 each year
- Teenagers are expensive to insure, possibly costing $381 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,350 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,572 |
| 20 | $2,680 |
| 30 | $1,204 |
| 40 | $1,172 |
| 50 | $1,074 |
| 60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,172 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,172 |
| 50/100 | $1,325 |
| 100/300 | $1,443 |
| 250/500 | $1,751 |
| 100 CSL | $1,372 |
| 300 CSL | $1,633 |
| 500 CSL | $1,823 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,472 |
| 20 | $4,274 |
| 30 | $2,560 |
| 40 | $2,526 |
| 50 | $2,414 |
| 60 | $2,390 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $63 |
| Homeowner | $20 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $46 |
| Advance Quote | $54 |
| Online Quote | $81 |
| Total Discounts | $477 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
