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: Mar 28, 2020

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U.S. average insurance rates for a Jaguar XF are $1,220 a year for full coverage insurance. Comprehensive insurance costs on average $234, collision insurance costs $354, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs $2,630 or more. Teen drivers pay the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Comprehensive $234
Collision $354
Liability $474

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and for all XF models.

Price Range from Low to High

Using a middle-aged driver as an example, Jaguar XF insurance prices range from the low end price of $522 for liability-only coverage to the much higher price of $2,630 for a high-risk driver policy.

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

Geographic Price Range

Where you live has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than larger metro areas. The example below illustrates how where you live affects car insurance rates.

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

The ranges above illustrate why everyone should compare prices based on a specific location, rather than relying 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 Charts and Tables

The chart below illustrates average Jaguar XF insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $720
  • Using higher $1,000 deductibles will save around $134 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,220
  • Choosing pricier low deductibles for physical damage coverage will cost an additional $256 a year
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,630
  • The price that insures a teen driver for full coverage may cost $4,720 or more

View Chart as Image

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

Insurance prices for a Jaguar XF are also quite variable based on the model of your XF, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,400 to $2,000 additional each year, depending on your age. Jaguar XF insurance for high-risk drivers can be anywhere from 42% to 128% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Jaguar XF insurance rates. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

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

Choosing high deductibles could cut prices by as much as $390 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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 $1,178 $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 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 $318 $568 $460 $1,504
2012 Jaguar XF $280 $458 $474 $1,370
2009 Jaguar XF $234 $354 $474 $1,220

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 More Affordable Jaguar XF Insurance

Getting lower rates on Jaguar XF insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and dropping full coverage on older vehicles. Shop around every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a summary of the information touched on in the above illustrations.

  • It is possible to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Drivers under the age of 20 pay higher prices, as much as $393 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $400 each year
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,410 more each year to insure a Jaguar XF
  • Drivers who require increased liability limits will pay about $520 annually to increase from a low limit to the 250/500 level

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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