Jaguar XF Insurance Rates
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UPDATED: Apr 18, 2024
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Average insurance rates for a Jaguar XF are $1,274 a year for full coverage. Comprehensive insurance costs an estimated $252, collision insurance costs $386, and liability insurance costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs $2,748 or more. Teens receive the highest rates at up to $4,894 a year.
Average premium for full coverage: $1,274
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different XF trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $526 for a discount liability-only rate to a much higher rate of $2,748 for a driver that may need high-risk insurance.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.
These examples show why anyone shopping for car insurance should compare rates for a targeted area, 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.
Rates by State, City, and Model
The chart below shows average Jaguar XF insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $748
- Drivers who choose higher $1,000 deductibles will pay approximately $146 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,274
- Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $276 a year
- High risk drivers with serious driving violations could pay up to $2,748
- The cost that insures a teen driver with full coverage can cost as much as $4,894 a year
Auto insurance rates for a Jaguar XF can also vary considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 in extra premium per year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 132% more than the average policy. View High Risk Driver Rates
An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age
Where you live makes a big difference in Jaguar XF insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,820 on average in New York, Louisiana, and Michigan.
| 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 could save up to $430 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $430 extra every year. View Rates by Deductible or Liability Limit
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 Jaguar XF Insurance
Saving money on Jaguar XF insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Compare rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following items are a brief recap of the data that was covered in the above illustrations.
- Drivers can save approximately $150 per year just by shopping early and online
- Drivers who want additional liability coverage will pay approximately $530 each year to go from a minimum limit to the 250/500 level
- 16 to 18-year-old drivers are the costliest to insure, costing as high as $408 per month if the policy includes full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,470 more annually than a driver with a clean driving record
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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