Jaguar XF Insurance Rates
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Michelle Robbins
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UPDATED: Apr 18, 2024
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The average insurance rates for a Jaguar XF are $1,172 a year with full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $320, and liability costs $474. A liability-only policy costs as little as $522 a year, and high-risk insurance costs $2,526 or more. 16-year-old drivers cost the most to insure at up to $4,572 a year.
Average premium for full coverage: $1,172
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all XF models.
Price Range Variability
For the normal driver, Jaguar XF insurance rates range from as low as $522 for your basic liability-only policy to the much higher price of $2,526 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.
The examples above demonstrate why everyone should compare rates using their 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.
More Rate Information
The chart below details average Jaguar XF insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $695
- Drivers who choose higher $1,000 deductibles will pay $122 annually
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,172
- Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $236 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,526
- Policy cost for full coverage for a teen driver for full coverage can cost $4,572 a year
Car insurance rates for a Jaguar XF also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age
Your home state makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or at least $1,590 on average in New York, Michigan, and Florida.
| 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 could save up to $360 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $1,900 extra every year, depending on your age. Jaguar XF insurance for high-risk drivers can cost 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
Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following items are a quick rundown of the information presented in the illustrations above.
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- 16 to 18-year-old drivers pay the highest auto insurance rates, as much as $381 each month if full coverage is included
- Increasing comprehensive and collision deductibles can save around $350 each year
- Higher risk drivers with reckless driving or DUI convictions pay on average $1,350 more per year than a driver with a clean driving record
- Policyholders who purchase additional liability coverage will pay around $520 every year to go from a 30/60 limit to 250/500 limits
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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