Jaguar XF Insurance Rates

Average auto insurance rates for a Jaguar XF are $1,172 annually for full coverage insurance. Comprehensive insurance costs an estimated $220 a year, collision costs $320, and liability costs $474. A policy with just liability insurance costs as little as $522 a year, with coverage for high-risk drivers costing $2,526 or more. Teens receive the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and XF trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below illustrates estimated Jaguar XF insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $695
• Drivers who choose higher $1,000 deductibles will pay approximately $1,050 each year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,172
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $236 every year
• Higher-risk drivers with serious driving violations could pay up to $2,526 or more
• The cost with full coverage for a teen driver can cost as much as $4,572 a year

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Insurance rates for a Jaguar XF can also vary considerably based on the trim level of your XF, your risk profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $360 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,590 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to get quotes and see which company has the best rate. Every company calculates rates differently, and rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

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.

How to Buy the Right Jaguar XF Insurance

Saving money on car insurance not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following items are a quick rundown of the data that was covered above.

• It is possible to save approximately $140 per year simply by quoting early and online
• Policyholders who want additional liability coverage will pay approximately $520 annually to go from a minimum limit to higher 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, costing up to $381 per month if they have full coverage
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,350 more annually than a driver with a clean driving record