Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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Estimated insurance prices for a Jaguar XF are $1,220 every 12 months for full coverage insurance. Comprehensive costs approximately $234, collision costs $354, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing around $2,630. Teen drivers pay the most at $4,720 a year or more.

Average premium for full coverage: $1,220

Premium estimates by type of coverage:

Comprehensive $234
Collision $354
Liability $474

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for all XF models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Jaguar XF go from the cheapest price of $522 for the bare minimum liability coverage to the much higher price of $2,630 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,220
High Risk $2,630

Insurance Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

These rate differences illustrate why everyone should compare rates using their specific location and their own driving history, instead of making a decision based on price 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 illustrates estimated Jaguar XF insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $720
  • Drivers who choose higher $1,000 deductibles will pay $134 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,220
  • Choosing pricier low deductibles for comprehensive and collision insurance increases the price to $1,476
  • Drivers with multiple violations and an at-fault accident could pay around $2,630 or more
  • An auto insurance policy to insure a 16-year-old driver for full coverage can cost $4,720 a year

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance rates range from $720 to $4,720

Insurance prices for a Jaguar XF also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your XF.

Choosing high deductibles could save up to $390 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra annually, depending on your age. Jaguar XF insurance for high-risk drivers can cost from 42% to 128% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,650 on average in Florida, New York, and Michigan.

Jaguar XF Insurance Rates by State
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%

View Chart as Image

Jaguar XF insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices from multiple companies. Every company uses a different rate calculation, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Jaguar XF Insurance Rates by Model and Trim Level
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.

Jaguar XF Insurance Rates by Model Year
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 Low Cost Jaguar XF Insurance

Finding better rates on insurance for a Jaguar XF not only requires being safe and accident-free, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a review of the ideas that were covered in the charts and tables above.

  • Youthful drivers are expensive to insure, with premiums being up to $393 per month if they have full coverage
  • Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,410 more per year than a low-risk driver
  • Increasing policy deductibles could save as much as $400 each year
  • It is possible to save around $140 per year simply by quoting online well ahead of the renewal date

Rates by Driver Age

Jaguar XF Insurance 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

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,358
$500 $1,220
$1,000 $1,086

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
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

Jaguar XF Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $720

Discounts are estimated and may not be available from every company or in every state.

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