Jaguar XF Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 4, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,408 |
$250 | $1,302 |
$500 | $1,172 |
$1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area