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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Average insurance prices for a Jaguar XF are $1,220 every 12 months for full coverage insurance. Comprehensive insurance costs on average $234, collision insurance costs $354, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,630 or more. Teens receive the highest rates at up to $4,720 a year.
Average premium for full coverage: $1,220
Rate estimates by individual coverage type:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different XF trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from the cheapest price of $522 for the bare minimum liability coverage to a much higher rate of $2,630 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects car insurance rates.
These examples illustrate why anyone shopping for car insurance should compare rates based on a 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.
Additional Rate Information
The chart below illustrates average Jaguar XF insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $720
- Drivers who choose higher $1,000 deductibles will pay around $134 each year
- The average price for a 40-year-old driver with $500 deductibles is $1,220
- Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $256 a year
- High risk drivers with serious driving violations could pay upwards of $2,630
- The cost to insure a teen driver with full coverage may cost $4,720 a year
Insurance rates for a Jaguar XF can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your XF.
Choosing higher comprehensive and collision insurance deductibles could save up to $390 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay upwards of $4,700 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates
Where you live makes a big difference in Jaguar XF insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,650 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$118 | -9.7% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,010 | -$210 | -17.2% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,390 | $170 | 13.9% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,252 | $32 | 2.6% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,528 | $308 | 25.2% |
| Georgia | $1,124 | -$96 | -7.9% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $916 | -$304 | -24.9% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,464 | $244 | 20.0% |
| New Hampshire | $876 | -$344 | -28.2% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,284 | $64 | 5.2% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,252 | $32 | 2.6% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,164 | -$56 | -4.6% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $944 | -$276 | -22.6% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,086 | -$134 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,178 | $98 |
| Jaguar XF Premium 4-Dr Sedan | $1,200 | $100 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,240 | $103 |
| Jaguar XF R 4-Dr Sedan | $1,280 | $107 |
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 | $424 | $810 | $390 | $1,782 |
| 2023 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2022 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2021 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2020 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2019 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2018 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2017 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2016 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2015 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2014 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2013 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2012 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2011 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2010 Jaguar XF | $220 | $320 | $474 | $1,172 |
| 2009 Jaguar XF | $214 | $288 | $468 | $1,128 |
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 Affordable Jaguar XF Insurance
Saving money on Jaguar XF insurance not only requires avoiding accidents and violations, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a brief review of the primary concepts that were presented in the illustrations above.
- It is possible to save as much as $140 per year just by shopping early and online
- High-risk drivers with DUI or reckless driving convictions pay on average $1,410 more each year for car insurance
- Increasing deductibles could save as much as $400 each year
- Teenagers pay the highest rates, costing up to $393 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,788 |
| 30 | $1,256 |
| 40 | $1,220 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,476 |
| $250 | $1,358 |
| $500 | $1,220 |
| $1,000 | $1,086 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,375 |
| 100/300 | $1,493 |
| 250/500 | $1,801 |
| 100 CSL | $1,422 |
| 300 CSL | $1,683 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,694 |
| 20 | $4,448 |
| 30 | $2,668 |
| 40 | $2,630 |
| 50 | $2,512 |
| 60 | $2,488 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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