Jaguar XF Insurance Rates
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UPDATED: Apr 18, 2024
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Estimated insurance rates for a Jaguar XF are $1,274 a year for full coverage. Comprehensive insurance costs around $252, collision insurance costs $386, and liability insurance is $478. A liability-only policy costs around $526 a year, and high-risk insurance costs $2,748 or more. Teens pay the most at up to $4,894 a year.
Average premium for full coverage: $1,274
Premium estimates for type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all XF models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Jaguar XF range from as low as $526 for just the minimum liability insurance to the much higher price of $2,748 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The example below illustrates how where you live affects auto insurance rates.
These rate differences show why everyone should compare rates quotes for a specific zip code and risk profile, 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 Analysis
The chart below shows average Jaguar XF insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $748
- Raising to $1,000 deductibles will save about $146 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,274
- Selecting pricier low deductibles will cost an extra $276 a year
- Higher-risk drivers with serious driving violations could pay at least $2,748
- An auto insurance policy for full coverage for a teen driver for full coverage can be $4,894
Auto insurance prices for a Jaguar XF also have a wide range based on your driving characteristics, the trim level of your XF, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age
Where you choose to live also has a big influence on Jaguar XF insurance rates. A middle-age driver might find prices as low as $840 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,820 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,056 | -$218 | -17.1% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,450 | $176 | 13.8% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,308 | $34 | 2.7% |
| Delaware | $1,440 | $166 | 13.0% |
| Florida | $1,592 | $318 | 25.0% |
| Georgia | $1,174 | -$100 | -7.8% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $862 | -$412 | -32.3% |
| Illinois | $950 | -$324 | -25.4% |
| Indiana | $958 | -$316 | -24.8% |
| Iowa | $858 | -$416 | -32.7% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,884 | $610 | 47.9% |
| Maine | $786 | -$488 | -38.3% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,020 | -$254 | -19.9% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,064 | -$210 | -16.5% |
| Mississippi | $1,526 | $252 | 19.8% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,526 | $252 | 19.8% |
| New Hampshire | $918 | -$356 | -27.9% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,126 | -$148 | -11.6% |
| New York | $1,340 | $66 | 5.2% |
| North Carolina | $732 | -$542 | -42.5% |
| North Dakota | $1,042 | -$232 | -18.2% |
| Ohio | $880 | -$394 | -30.9% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,166 | -$108 | -8.5% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,698 | $424 | 33.3% |
| South Carolina | $1,154 | -$120 | -9.4% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $944 | -$330 | -25.9% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,166 | -$108 | -8.5% |
| Wisconsin | $880 | -$394 | -30.9% |
| Wyoming | $1,136 | -$138 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 each year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium annually, depending on your age. Jaguar XF insurance for high-risk drivers is expensive and can cost anywhere from 43% to 132% more than the average policy. 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 | $1,230 | $103 |
| Jaguar XF Premium 4-Dr Sedan | $1,252 | $104 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,296 | $108 |
| Jaguar XF R 4-Dr Sedan | $1,338 | $112 |
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 | $444 | $844 | $372 | $1,818 |
| 2023 Jaguar XF | $424 | $810 | $390 | $1,782 |
| 2022 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2021 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2020 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2019 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2018 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2017 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2016 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2015 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2014 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2013 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2012 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2011 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2010 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2009 Jaguar XF | $220 | $320 | $474 | $1,172 |
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 Best Cheap Jaguar XF Insurance
Finding better rates on Jaguar XF insurance consists of being safe and accident-free, having good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least every other year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
Below you'll find a quick review of the car insurance concepts touched on in the above illustrations.
- High-risk drivers with a DUI or reckless driving violation may be required to pay an average of $1,470 more every year than a low-risk driver
- Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $425 each year
- Drivers who may need more liability protection will pay approximately $530 each year to raise from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $2,914 |
| 30 | $1,314 |
| 40 | $1,274 |
| 50 | $1,166 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,424 |
| $500 | $1,274 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,434 |
| 100/300 | $1,553 |
| 250/500 | $1,864 |
| 100 CSL | $1,481 |
| 300 CSL | $1,744 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,952 |
| 20 | $4,646 |
| 30 | $2,790 |
| 40 | $2,748 |
| 50 | $2,624 |
| 60 | $2,598 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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