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2011 Jaguar XF Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 28, 2020

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Average insurance rates for a 2011 Jaguar XF are $1,370 a year for full coverage. Comprehensive insurance costs an estimated $280 each year, collision insurance costs $458, and liability costs around $474. Buying a liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,960 or more. Teen drivers receive the highest rates at up to $5,196 a year.

Annual premium for full coverage: $1,370

Rate estimates for 2011 Jaguar XF Insurance

Comprehensive $280
Collision $458
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Jaguar XF models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as low as $522 for just liability insurance to a high rate of $2,960 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,370
High Risk $2,960

View Chart as Image

2011 Jaguar XF insurance rates compared
Column chart showing 2011 Jaguar XF insurance prices range from $795 to $5,196 for full coverage

These differences show why all drivers should compare prices for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2011 Jaguar XF Insurance

Searching Companies

Want lower insurance rates for your Jaguar XF? Are you a victim of high-priced insurance? Believe me, you are not the only one feeling buyer’s remorse. Because there are so many online and local companies to choose from, it’s nearly impossible to find the best provider.

Discounts are available to cut your rates

Companies don’t always list every available discount very well, so we break down both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you’re just leaving money on the table.

  • Seat Belt Usage – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on XF insurance.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy qualifies for this discount.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Jaguar can earn lower rates on the low mileage vehicles.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.

Drivers should understand that some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like comp or med pay. Just because you may think all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Insurance companies that may have some of the above discounts are:

Check with each company which discounts you may be entitled to. All car insurance discounts might not be offered in every state.

The quickest method we recommend to compare car insurance company rates is to know the fact all the major auto insurance companies actually pay money for the chance to compare rate quotes. The only thing you need to do is provide details such as how many miles driven, if your license is active, your credit rating estimate, and deductibles desired. Your details is then sent to multiple different insurance companies and they respond with quotes instantly.

To check rates for your Jaguar XF , click here and find out if lower rates are available.

Everyone needs different coverages

When buying the right insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can help discover if you might need professional guidance.

  • When should I drop full coverage on my 2011 Jaguar XF?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford low physical damage deductibles?
  • What is the difference between comprehensive and collision coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Which companies will insure high-risk drivers?
  • What is the minimum liability in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverages for a 2011 Jaguar XF

Knowing the specifics of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Coverage for collisions

Collision coverage pays for damage to your XF from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from flooding, hitting a bird and falling objects. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.


Liability insurance can cover damage that occurs to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like medical services, loss of income, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Jaguar XF.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as pain medications, funeral costs, chiropractic care and dental work. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More effort can pay off

Cost effective 2011 Jaguar XF insurance can be found from both online companies in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

As you restructure your insurance plan, never reduce needed coverages to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage for the lowest price while not skimping on critical coverages.

To read more, link through to the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Jaguar XF Insurance Rates by City
City Premium
New York City, NY $2,163
Los Angeles, CA $2,340
Philadelphia, PA $1,828
Jacksonville, FL $1,988
Phoenix, AZ $1,590
Chicago, IL $1,836
Houston, TX $2,145
Seattle, WA $1,336
Columbus, OH $1,142
Indianapolis, IN $1,162

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Jaguar XF Insurance Rates by Driver Age
Driver Age Premium
16 $5,196
20 $3,140
30 $1,418
40 $1,370
50 $1,250
60 $1,226

Full coverage, $500 deductibles

Rates by Deductible

2011 Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,692
$250 $1,544
$500 $1,370
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,465
100/300 $1,583
250/500 $1,891
100 CSL $1,512
300 CSL $1,773
500 CSL $1,963

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Jaguar XF Insurance Rates for High Risk Drivers
Age Premium
16 $7,398
20 $5,010
30 $3,012
40 $2,960
50 $2,826
60 $2,800

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 $190

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $96
5-yr Claim Free $89
Paid in Full/EFT $59
Advance Quote $66
Online Quote $97
Total Discounts $575
Rate after discounts $795

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

Find companies with the cheapest rates in your area

2011 Jaguar XF Insurance Rates by State
State Premium
Alabama $1,238
Alaska $1,048
Arizona $1,136
Arkansas $1,370
California $1,560
Colorado $1,306
Connecticut $1,406
Delaware $1,550
Florida $1,714
Georgia $1,262
Hawaii $982
Idaho $926
Illinois $1,020
Indiana $1,028
Iowa $924
Kansas $1,302
Kentucky $1,868
Louisiana $2,026
Maine $844
Maryland $1,128
Massachusetts $1,096
Michigan $2,378
Minnesota $1,146
Mississippi $1,638
Missouri $1,214
Montana $1,470
Nebraska $1,078
Nevada $1,640
New Hampshire $986
New Jersey $1,530
New Mexico $1,214
New York $1,442
North Carolina $788
North Dakota $1,120
Ohio $944
Oklahoma $1,406
Oregon $1,254
Pennsylvania $1,306
Rhode Island $1,824
South Carolina $1,238
South Dakota $1,156
Tennessee $1,198
Texas $1,650
Utah $1,012
Vermont $936
Virginia $820
Washington $1,060
West Virginia $1,254
Wisconsin $948
Wyoming $1,220

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