Jaguar XF Insurance Rates
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UPDATED: Apr 18, 2024
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Estimated insurance rates for a Jaguar XF are $1,220 a year with full coverage. Comprehensive insurance costs approximately $234, collision insurance costs $354, and liability is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,630 or more. 16-year-old drivers pay the most at up to $4,720 a year.
Average premium for full coverage: $1,220
Premium estimates by type of coverage:
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 $2,630 for coverage for higher-risk drivers.
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.
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 $720
- Raising to $1,000 deductibles will save $134 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,220
- Buying pricier low deductibles will cost an additional $256 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,630
- An auto insurance policy that insures a teen driver for full coverage can cost $4,720
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 $2,000 additional annually, depending on your age. Jaguar XF insurance for high-risk drivers is expensive and can cost as much as 42% to 128% 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 $4,700 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 $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $390 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
| 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 2010 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 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 $1,410 more per year to insure a Jaguar XF
- Increasing policy deductibles can save approximately $400 each year
- Drivers under the age of 20 are the costliest to insure, possibly costing $393 per month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,476 |
| $250 | $1,358 |
| $500 | $1,220 |
| $1,000 | $1,086 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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