Jaguar XF Insurance Rates

U.S. average insurance rates for a Jaguar XF are $1,220 a year with full coverage. Comprehensive costs approximately $234 a year, collision insurance costs $354, and liability costs around $474. A policy with just liability insurance costs as low as $522 a year, and coverage for high-risk drivers costs around $2,630. Teenage drivers pay the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and XF trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance prices.

The ranges above demonstrate why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below details average Jaguar XF insurance rates for additional coverage and risk scenarios.

• The best discount rate is $720
• Using higher $1,000 deductibles will save $1,086 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,220
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,476
• Drivers who are prone to accidents and violations could pay around $2,630
• The price for full coverage for a teen driver can cost $4,720 or more

View Chart as Image

Insurance prices for a Jaguar XF are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $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 $880 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,650 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $390 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

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 the Best Jaguar XF Insurance

Getting lower rates on car insurance requires being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around every other policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief recap of the ideas that were touched on above.

• Teen drivers are expensive to insure, costing up to $393 a month for full coverage
• Higher risk drivers who tend to receive serious violations pay on average $1,410 more per year to insure their XF
• Increasing physical damage deductibles can save around $400 each year
• You may be able to save around $140 per year just by quoting early and online