Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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U.S. average insurance rates for a Jaguar XF are $1,220 a year for full coverage. Comprehensive insurance costs around $234, collision costs $354, and liability costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,630 or more. Teens pay the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,220

Price estimates for individual coverage:

Comprehensive $234
Collision $354
Liability $474

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all XF models.

Price Range from Low to High

For the average 40-year-old driver, Jaguar XF insurance prices go from the low end price of $522 for your basic liability-only policy to the much higher price of $2,630 for a high-risk driver policy.

Liability Only $522
Full Coverage $1,220
High Risk $2,630

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

The ranges above show why everyone should compare prices for a specific zip code, instead of making a decision based on averaged prices.

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 Information

The chart below shows estimated Jaguar XF insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $720
  • Using higher $1,000 deductibles will save about $134 a year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,220
  • Selecting pricier low deductibles for physical damage coverage will cost an additional $256 annually
  • High-risk insureds with serious driving violations could pay at least $2,630 or more
  • The price that insures a 16-year-old driver for full coverage can be $4,720 or more

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance prices range from $720 to $4,720

Insurance prices for a Jaguar XF are also quite variable based on the model of your XF, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,400 to $2,000 additional each year, depending on your age. Jaguar XF insurance for high-risk drivers can be from 42% to 128% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age

The state you live in has a huge impact on Jaguar XF insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,740 on average in Michigan, Louisiana, and New York.

Jaguar XF Insurance Rates by State
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%

View Chart as Image

Jaguar XF insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $390 annually, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to regularly compare prices from multiple companies. Each insurance company calculates prices differently, and prices may be quite different.

Insurance Rates by Trim Level and Model Year

Jaguar XF Insurance Rates by Model and Trim Level
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.

Jaguar XF Insurance Rates by Model Year
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 Find Cheaper Jaguar XF Insurance

Getting lower rates on insurance for a Jaguar XF requires having a decent driving record, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a condensed summary of the information touched on in this article.

  • Drivers can save up to $140 per year simply by quoting online well ahead of the renewal date
  • 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $393 a month if comprehensive and collision insurance is included
  • Increasing physical damage deductibles can save approximately $400 each year
  • Drivers considered higher risk with multiple at-fault accidents pay on average $1,410 more every year than a driver with a clean driving record
  • Insureds who may need additional liability coverage will pay approximately $520 each year to increase from a low limit to the 250/500 level

Rates by Driver Age

Jaguar XF Insurance 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

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,358
$500 $1,220
$1,000 $1,086

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
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

Jaguar XF Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $720

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

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