Jaguar XF Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 18, 2024
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U.S. average insurance rates for a Jaguar XF are $1,220 a year including full coverage. Comprehensive insurance costs around $234, collision costs $354, and liability costs around $474. Liability-only insurance costs as low as $522 a year, with high-risk driver insurance costing $2,630 or more. Teen drivers pay the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,220
Price estimates for individual coverage:
Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all XF models.
Price Range from Low to High
For an average driver, Jaguar XF insurance prices go from the low end price of $522 for just liability coverage to the much higher price of $2,630 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.
The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why everyone should compare prices for a specific zip code, instead of using price 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.
Detailed Rate Analysis
The chart below breaks down estimated Jaguar XF insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $720
- Using higher $1,000 deductibles will save about $134 every year
- The estimated price for the average middle-age driver using $500 deductibles is $1,220
- Choosing pricier low deductibles for physical damage coverage will cost an additional $256 every year
- Drivers with multiple violations and an at-fault accident could pay at least $2,630 or more
- The price that insures a teen driver for full coverage can be $4,720 or more
Car insurance prices for a Jaguar XF are also quite variable based on the model of your XF, your driving record and age, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are likely paying at least $1,400 to $2,000 extra each year, depending on your age. Jaguar XF insurance for high-risk drivers can be as much as 42% to 128% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged 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 $940 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Choosing high deductibles could cut prices by as much as $390 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes may be quite different.
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 Find Cheaper Jaguar XF Insurance
Getting lower rates on car insurance requires being a low-risk driver, having a positive credit history, being claim-free, and qualifying for all possible discounts. Shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a condensed summary of the ideas that were covered in the above illustrations.
- Teen drivers are the costliest to insure, possibly costing $393 a month if full coverage is purchased
- Higher risk drivers with multiple at-fault accidents may have to pay on average $1,410 more every year to insure their XF
- Increasing physical damage deductibles can save approximately $400 each year
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
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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