Jaguar XF Insurance Rates

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

Average premium for full coverage: $1,220

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and XF models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects insurance prices.

The ranges above show why all drivers should compare rates for a targeted area, instead of using average rates.

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

Additional Rate Analysis

The chart below shows estimated Jaguar XF insurance rates for other coverage scenarios.

• The best discount rate is $720
• Drivers who choose higher $1,000 deductibles will pay approximately $134 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,220
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,476
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,630 or more
• The price that insures a teen driver can cost as much as $4,720 a year

View Chart as Image

Insurance prices for a Jaguar XF are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,400 to $2,000 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,740 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $390 every year, whereas increasing liability limits will increase premiums. 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 which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite 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 Cheap Jaguar XF Insurance

Getting lower rates on car insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the car insurance concepts presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,410 more annually than a low-risk driver
• Drivers can save approximately $140 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $400 each year
• Policyholders who want more liability protection will pay an extra $520 each year to go from a low limit to the 250/500 level