Jaguar XF Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Estimated 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 is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,526 or more. 16-year-old drivers pay the most at up to $4,572 a year.

Average premium for full coverage: $1,172

Premium estimates by type of coverage:

Comprehensive $220
Collision $320
Liability $474

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all XF models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Jaguar XF range from the low end price of $522 for just liability insurance to the much higher price of $2,526 for coverage for higher-risk drivers.

Liability Only $522
Full Coverage $1,172
High Risk $2,526

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $879
Small Cities $1,231
Large Cities $1,582

These rate differences demonstrate why everyone should compare rates quotes using their specific location, 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 Details

The chart below details average Jaguar XF insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $695
  • Raising to $1,000 deductibles will save $122 annually
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,172
  • Buying pricier low deductibles will cost an additional $236 every year
  • At-risk drivers with multiple tickets or accidents could pay around $2,526
  • An auto insurance policy that insures a teen driver for full coverage can cost $4,572

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing Jaguar XF insurance prices range from $695 to $4,572 for full coverage

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 additional annually, depending on your age. Jaguar XF insurance for high-risk drivers is expensive and can cost as much as 42% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you choose to live also has a big influence on Jaguar XF insurance prices. A middle-age driver might find prices 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.

Jaguar XF Insurance Rates by State
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%

View Chart as Image

Jaguar XF insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $360 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

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 $1,136 $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 2009 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
2015 Jaguar XF $296 $522 $460 $1,436
2012 Jaguar XF $258 $424 $474 $1,314
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 Cheaper Jaguar XF Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The points below are a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save around $140 per year just by quoting online well ahead of the renewal date
  • Higher risk drivers with multiple at-fault accidents may have to pay on average $1,350 more per year to insure a Jaguar XF
  • Increasing policy deductibles can save approximately $350 each year
  • Drivers under the age of 20 are the costliest to insure, possibly costing $381 per month if comprehensive and collision insurance is included

Rates by Driver Age

Jaguar XF Insurance 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

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,172
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
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

Jaguar XF Insurance 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.

SR-22 Surcharge $159

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
Rate after discounts $695

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

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