Jaguar XF Insurance Rates

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2010 Jaguar XF Insurance Cost in 2025

Want cheaper car insurance rates for your Jaguar XF? No normal person looks forward to paying premiums for car insurance, particularly when they could find lower prices if they just compared rates. Vehicle owners have so many insurers to purchase coverage from, and although it's nice to have a choice, it can be more difficult to find the lowest cost provider. It is always a good idea to compare p...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 18, 2024

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Average auto insurance rates for a Jaguar XF are $1,220 annually with full coverage. Comprehensive insurance costs on average $234, collision costs $354, and liability is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,630 or more. 16-year-old drivers receive the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,220

Rate estimates by individual coverage type:

Comprehensive $234
Collision $354
Liability $474

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all XF models.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $522 for basic liability insurance to the much higher price of $2,630 for a driver who requires high-risk insurance.

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

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

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

These examples demonstrate why everyone should get quotes based on a specific location and their own personal driving habits, 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.

Rate Comparisons

The chart below details estimated Jaguar XF insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $720
  • Choosing higher $1,000 deductibles can save around $134 annually
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,220
  • Buying pricier low deductibles for comp and collision coverage costs an additional $256 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,630 or more
  • The cost with full coverage for a 16-year-old driver for full coverage may cost $4,720 each year

View Chart as Image

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

Insurance rates for a Jaguar XF can also vary considerably based on the trim level of your XF, your driving record, and policy deductibles and limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra per year, depending on your age. Jaguar XF insurance for high-risk drivers ranges from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $390 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Jaguar XF insurance prices. A good driver about age 40 could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or at least $1,650 on average in Florida, Michigan, and New York.

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 so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, so the rates can be significantly different between companies.

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 Buy Cheaper Jaguar XF Insurance

Saving money on insurance for a Jaguar XF takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and bundling your home and auto policies. Make time to compare rates at every other renewal by requesting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following is a condensed summary of the concepts that were touched on in this article.

  • Drivers considered higher risk with multiple at-fault accidents pay an average of $1,410 more each year for XF insurance
  • Teens pay the highest rates, with premiums as much as $393 per month including comprehensive and collision insurance
  • You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $400 each year
  • You may be able to save as much as $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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