Jaguar XF Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 18, 2024
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U.S. average insurance rates for a Jaguar XF are $1,172 a year including full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $320, and liability is $474. A policy with just liability insurance costs around $522 a year, and coverage for high-risk drivers costs $2,526 or more. 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:
Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all XF models.
Price Range from Low to High
For the average 40-year-old driver, Jaguar XF insurance prices range from the low end price of $522 for the bare minimum liability coverage to the much higher price of $2,526 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why everyone should compare rates quotes using their specific location, instead of making a decision based on 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 Information
The chart below breaks down average Jaguar XF insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $695
- Raising to $1,000 deductibles will save $122 every year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,172
- Buying pricier low deductibles will cost an additional $236 annually
- Drivers with multiple tickets or accidents could pay around $2,526
- The price that insures a 16-year-old driver for full coverage can cost $4,572
Insurance prices for a Jaguar XF are also quite variable based on the model of your XF, your driving record and age, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Jaguar XF insurance for high-risk drivers is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in also has a big influence on Jaguar XF insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,670 on average in Louisiana, New York, and Michigan.
| 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 reduce prices by up to $360 annually, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit
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 Low Cost Jaguar XF Insurance
Getting lower rates on insurance for a Jaguar XF consists of being safe and accident-free, having above-average credit, being claim-free, and possibly raising deductibles. Comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from local auto insurance providers.
Below you'll find a review of the material that was touched on in this article.
- Insureds who purchase more liability protection will pay around $520 per year to raise from a low limit to the 250/500 level
- Youthful drivers are expensive to insure, possibly costing $381 a month if full coverage is included
- Drivers considered higher risk who have several accidents or serious violations will likely pay on average $1,350 more per year than a low-risk driver
- Increasing physical damage deductibles can save approximately $350 each year
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.
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