Jaguar XF Insurance Rates

U.S. average insurance rates for a Jaguar XF are $1,172 a year including full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $320, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,526 or more. Teenage drivers pay the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Price estimates broken down by individual coverage:

These estimates include $500 comprehensive and collision 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 XF models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $695
• Raising to $1,000 deductibles will save approximately $122 every year
• The average rate for the average middle-age driver who has $500 deductibles is $1,172
• Using low deductibles will cost an extra $236 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,526 or more
• The price for full coverage for a teenage driver can cost as much as $4,572

View Chart as Image

Insurance prices for a Jaguar XF are also quite variable based on your driving record, the model of your XF, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

The state you live in also has a big influence on Jaguar XF insurance rates. A middle-age driver might find prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $360 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 auto insurance consists of avoiding accidents and violations, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The list below is a brief summary of the ideas that were raised in the charts and tables above.

• Teenagers are expensive to insure, possibly costing $381 a month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations may pay on average $1,350 more annually for car insurance
• Increasing physical damage deductibles can save around $350 each year
• You may be able to save approximately $140 per year simply by quoting online in advance