Jaguar XF Insurance Rates

Average insurance rates for a Jaguar XF are $1,172 a year for full coverage insurance. Comprehensive insurance costs approximately $220, collision costs $320, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,526 or more. Teenage drivers receive the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Rate estimates by individual coverage type:

Prices are based on $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different XF trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates estimated Jaguar XF insurance rates for additional coverage and risk scenarios.

• The best discount rate is $695
• Using higher $1,000 deductibles will save $122 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,172
• Using more expensive low deductibles for physical damage coverage will cost an additional $236 a year
• Drivers who are prone to accidents and violations could pay around $2,526 or more
• The cost that insures a teen driver with full coverage can cost $4,572 or more

View Chart as Image

Auto insurance rates for a Jaguar XF can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live has a huge impact on Jaguar XF insurance rates. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different.

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 Find Affordable Jaguar XF Insurance

Saving money on Jaguar XF insurance requires not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a brief review of the material that was covered above.

• Drivers who purchase higher liability limits will pay an extra $520 annually to increase from a minimum limit to the 250/500 level
• Teens have the highest car insurance rates, costing up to $381 per month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,350 more per year for XF insurance
• Increasing deductibles can save approximately $350 each year