Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,220 a year including full coverage. Comprehensive costs on average $234 a year, collision costs $354, and liability insurance costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing around $2,630. Teenage drivers cost the most to insure at $4,720 a year or more.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Price estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Jaguar XF insurance rates for different risk profiles and scenarios.

• The best discount rate is $720
• Drivers who choose higher $1,000 deductibles will pay around $1,086 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,220
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,476
• High risk drivers who are prone to accidents and violations could pay upwards of $2,630 or more
• Policy cost for full coverage for a teen driver may cost $4,720 a year

View Chart as Image

Car insurance rates for a Jaguar XF also range considerably based on your risk profile, the model of your XF, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age

Your home state makes a big difference in Jaguar XF insurance rates. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,740 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $390 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied 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 Cheaper Jaguar XF Insurance

Finding cheaper rates on Jaguar XF insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the ideas that were covered in the above illustrations.

• Teens are expensive to insure, with premiums being up to $393 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,410 more each year for XF insurance
• Increasing comprehensive and collision deductibles can save around $400 each year
• You may be able to save as much as $140 per year simply by quoting early and online