Jaguar XF Insurance Rates
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UPDATED: Apr 18, 2024
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U.S. average insurance prices for a Jaguar XF are $1,274 every 12 months for full coverage. Comprehensive insurance costs approximately $252 a year, collision costs $386, and liability insurance is $478. A policy with just liability insurance costs around $526 a year, with coverage for high-risk drivers costing $2,748 or more. Teens pay the highest rates at $4,894 a year or more.
Average premium for full coverage: $1,274
Price estimates by individual coverage:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and XF trim levels.
Price Range from Low to High
For a 40-year-old driver, Jaguar XF insurance prices go from the cheapest price of $526 for basic liability insurance to a high of $2,748 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.
The diagram below illustrates how your location can change auto insurance prices.
The ranges above show why it is important to compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below shows estimated Jaguar XF insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $748
- Raising to $1,000 deductibles will save $1,128 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,274
- Selecting low $100 deductibles costs an extra $276 a year
- Higher-risk drivers with serious driving violations could pay around $2,748 or more
- The price to insure a teen driver can cost $4,894
Insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your driver profile, and the model of your XF.
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 each year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
The state you live in also has a big influence on Jaguar XF insurance rates. A middle-age driver might find prices as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,056 | -$218 | -17.1% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,450 | $176 | 13.8% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,308 | $34 | 2.7% |
| Delaware | $1,440 | $166 | 13.0% |
| Florida | $1,592 | $318 | 25.0% |
| Georgia | $1,174 | -$100 | -7.8% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $862 | -$412 | -32.3% |
| Illinois | $950 | -$324 | -25.4% |
| Indiana | $958 | -$316 | -24.8% |
| Iowa | $858 | -$416 | -32.7% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,884 | $610 | 47.9% |
| Maine | $786 | -$488 | -38.3% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,020 | -$254 | -19.9% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,064 | -$210 | -16.5% |
| Mississippi | $1,526 | $252 | 19.8% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,526 | $252 | 19.8% |
| New Hampshire | $918 | -$356 | -27.9% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,126 | -$148 | -11.6% |
| New York | $1,340 | $66 | 5.2% |
| North Carolina | $732 | -$542 | -42.5% |
| North Dakota | $1,042 | -$232 | -18.2% |
| Ohio | $880 | -$394 | -30.9% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,166 | -$108 | -8.5% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,698 | $424 | 33.3% |
| South Carolina | $1,154 | -$120 | -9.4% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $944 | -$330 | -25.9% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,166 | -$108 | -8.5% |
| Wisconsin | $880 | -$394 | -30.9% |
| Wyoming | $1,136 | -$138 | -10.8% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,230 | $103 |
| Jaguar XF Premium 4-Dr Sedan | $1,252 | $104 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,296 | $108 |
| Jaguar XF R 4-Dr Sedan | $1,338 | $112 |
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 | $444 | $844 | $372 | $1,818 |
| 2023 Jaguar XF | $424 | $810 | $390 | $1,782 |
| 2022 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2021 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2020 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2019 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2018 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2017 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2016 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2015 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2014 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2013 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2012 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2011 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2010 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2009 Jaguar XF | $220 | $320 | $474 | $1,172 |
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 Shop for the Best Jaguar XF Insurance
Getting lower rates on Jaguar XF insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the concepts that were illustrated above.
- High-risk drivers who tend to receive serious violations may pay on average $1,470 more per year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with premiums as much as $408 a month if they have full coverage
- Drivers can save around $150 per year simply by quoting early and online
- Increasing physical damage deductibles could save as much as $425 each year
- Drivers can save around $150 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $2,914 |
| 30 | $1,314 |
| 40 | $1,274 |
| 50 | $1,166 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,424 |
| $500 | $1,274 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,434 |
| 100/300 | $1,553 |
| 250/500 | $1,864 |
| 100 CSL | $1,481 |
| 300 CSL | $1,744 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,952 |
| 20 | $4,646 |
| 30 | $2,790 |
| 40 | $2,748 |
| 50 | $2,624 |
| 60 | $2,598 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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