Jaguar XF Insurance Rates

The average auto insurance rates for a Jaguar XF are $1,220 annually with full coverage. Comprehensive costs on average $234, collision costs $354, and liability 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:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all XF models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

The chart below details 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 $134 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,220
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,476
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,630 or more
• Policy cost with full coverage for a teen driver for full coverage may cost $4,720 a year

View Chart as Image

Car insurance rates for a Jaguar XF also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may 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 without any violations or accidents they will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,400 to $2,000 extra every year, depending on your age. Jaguar XF insurance for high-risk drivers can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

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

Your home state makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $880 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,650 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Buy Affordable Jaguar XF Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief review of the data that was raised in the charts and tables above.

• You may be able to save as much as $140 per year simply by quoting online well ahead of the renewal date
• Policyholders who require increased liability limits will pay an extra $520 every year to go from a 30/60 limit to higher 250/500 limits
• Drivers under the age of 20 are expensive to insure, as much as $393 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,410 more each year to insure a Jaguar XF