Jaguar XF Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Average auto insurance rates for a Jaguar XF are $1,172 annually for full coverage insurance. Comprehensive insurance costs around $220, collision costs $320, and liability insurance costs around $474. A liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,526 or more. 16-year-old drivers receive the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Rate estimates for individual coverage type:

Comprehensive $220
Collision $320
Liability $474

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all XF models.

Price Range by Coverage and Risk

Using a 40-year-old driver as an example, prices range go from as cheap as $522 for your basic liability-only policy to the much higher price of $2,526 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,172
High Risk $2,526

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than congested cities.

The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $879
Small Cities $1,231
Large Cities $1,582

These examples illustrate why everyone should compare prices for a specific zip code and their own personal driving habits, rather than relying on 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 Information

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

  • The best full coverage rate is $695
  • Using higher $1,000 deductibles will save about $122 each year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,172
  • Buying pricier low deductibles for physical damage coverage costs an additional $236 a year
  • Drivers with multiple tickets or accidents could pay at least $2,526 or more
  • The cost with full coverage for a teen driver for full coverage can be $4,572 or more

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance prices range from $695 to $4,572

Insurance rates for a Jaguar XF can also vary considerably based on the trim level of your XF, your risk profile, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. Jaguar XF insurance for high-risk drivers can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $360 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $426 more per year. View Rates by Deductible or Liability Limit

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 Vermont, Wisconsin, and North Carolina, or at least $1,590 on average in Michigan, New York, and Florida.

Jaguar XF Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$110 -9.4%
Alaska $900 -$272 -23.2%
Arizona $974 -$198 -16.9%
Arkansas $1,172 -$0 0.0%
California $1,338 $166 14.2%
Colorado $1,120 -$52 -4.4%
Connecticut $1,206 $34 2.9%
Delaware $1,328 $156 13.3%
Florida $1,468 $296 25.3%
Georgia $1,082 -$90 -7.7%
Hawaii $842 -$330 -28.2%
Idaho $792 -$380 -32.4%
Illinois $872 -$300 -25.6%
Indiana $882 -$290 -24.7%
Iowa $792 -$380 -32.4%
Kansas $1,116 -$56 -4.8%
Kentucky $1,600 $428 36.5%
Louisiana $1,734 $562 48.0%
Maine $724 -$448 -38.2%
Maryland $966 -$206 -17.6%
Massachusetts $938 -$234 -20.0%
Michigan $2,038 $866 73.9%
Minnesota $980 -$192 -16.4%
Mississippi $1,404 $232 19.8%
Missouri $1,040 -$132 -11.3%
Montana $1,260 $88 7.5%
Nebraska $924 -$248 -21.2%
Nevada $1,406 $234 20.0%
New Hampshire $844 -$328 -28.0%
New Jersey $1,310 $138 11.8%
New Mexico $1,040 -$132 -11.3%
New York $1,236 $64 5.5%
North Carolina $676 -$496 -42.3%
North Dakota $960 -$212 -18.1%
Ohio $810 -$362 -30.9%
Oklahoma $1,204 $32 2.7%
Oregon $1,074 -$98 -8.4%
Pennsylvania $1,120 -$52 -4.4%
Rhode Island $1,564 $392 33.4%
South Carolina $1,062 -$110 -9.4%
South Dakota $990 -$182 -15.5%
Tennessee $1,028 -$144 -12.3%
Texas $1,414 $242 20.6%
Utah $870 -$302 -25.8%
Vermont $802 -$370 -31.6%
Virginia $702 -$470 -40.1%
Washington $908 -$264 -22.5%
West Virginia $1,074 -$98 -8.4%
Wisconsin $812 -$360 -30.7%
Wyoming $1,046 -$126 -10.8%

View Chart as Image

Jaguar XF insurance rates by U.S. city

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.

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 $1,136 $95
Jaguar XF Premium 4-Dr Sedan $1,154 $96
Jaguar XF Supercharged 4-Dr Sedan $1,192 $99
Jaguar XF R 4-Dr Sedan $1,230 $103

Rates assume 2009 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
2015 Jaguar XF $296 $522 $460 $1,436
2012 Jaguar XF $258 $424 $474 $1,314
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 Buy the Right Jaguar XF Insurance

Saving money on Jaguar XF insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below is a quick rundown of the car insurance concepts raised in the charts and tables above.

  • High-risk drivers with reckless driving or DUI convictions pay on average $1,350 more every year for auto insurance
  • It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Increasing deductibles could save up to $350 each year
  • Drivers who may need higher levels of liability will pay around $520 annually to increase from a minimum limit to higher 250/500 limits

Rates by Driver Age

Jaguar XF Insurance Rates by Driver Age
Driver Age Premium
16 $4,572
20 $2,680
30 $1,204
40 $1,172
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,172
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,325
100/300 $1,443
250/500 $1,751
100 CSL $1,372
300 CSL $1,633
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XF Insurance Rates for High Risk Drivers
Age Premium
16 $6,472
20 $4,274
30 $2,560
40 $2,526
50 $2,414
60 $2,390

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 $159

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $46
Advance Quote $54
Online Quote $81
Total Discounts $477
Rate after discounts $695

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

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