Jaguar XF Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 18, 2024
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Estimated insurance prices for a Jaguar XF are $1,220 every 12 months including full coverage. Comprehensive insurance costs on average $234 each year, collision insurance costs $354, and liability coverage is $474. Liability-only insurance costs around $522 a year, and high-risk driver insurance costs $2,630 or more. Teenage drivers pay the most at up to $4,720 a year.
Average premium for full coverage: $1,220
Premium estimates by type of coverage:
Includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and XF models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Jaguar XF range from the cheapest price of $522 for liability-only coverage to a high rate of $2,630 for coverage for higher-risk drivers.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why all drivers should compare rates quotes based on a specific location and their own driving history, rather than using average rates.
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 breaks down average Jaguar XF insurance rates for different risk profiles and scenarios.
- The best discount rate is $720
- Raising to $1,000 deductibles will save around $134 every year
- The average price for a 40-year-old good driver with $500 deductibles is $1,220
- Using low deductibles costs an extra $256 each year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $2,630
- An auto insurance policy to insure a teenage driver may cost $4,720
Insurance prices for a Jaguar XF also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your XF.
Using high physical damage deductibles can reduce prices by up to $390 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 128% more than a normal policy. View High Risk Driver Rates
Where you choose to live also has a big influence on Jaguar XF insurance rates. A middle-age driver might find prices as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,740 on average in Michigan, New York, and Louisiana.
| 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% |
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jaguar XF | $424 | $810 | $390 | $1,782 |
| 2023 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2022 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2021 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2020 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2019 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2018 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2017 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2016 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2015 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2014 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2013 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2012 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2011 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2010 Jaguar XF | $220 | $320 | $474 | $1,172 |
| 2009 Jaguar XF | $214 | $288 | $468 | $1,128 |
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 Shop for the Cheapest Jaguar XF Insurance
Finding better rates on auto insurance consists of being a low-risk driver, having above-average credit, refrain from filing small claims, and dropping full coverage on older vehicles. Take the time to compare rates at least once a year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The items below are a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save as much as $140 per year just by quoting online in advance
- Drivers that have major violations or accidents may pay on average $1,410 more each year to insure their XF
- Increasing policy deductibles could save as much as $400 each year
- Teen drivers pay higher prices, with the cost nearing $393 per month if full coverage 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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