Jaguar XF Insurance Rates

The average auto insurance rates for a Jaguar XF are $1,220 annually including full coverage. Comprehensive insurance costs approximately $234, collision insurance costs $354, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,630 or more. 16-year-old drivers cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Prices include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $720
• Choosing higher $1,000 deductibles can save $134 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,220
• Buying more expensive low deductibles for comp and collision coverage costs an additional $256 a year
• High-risk insureds with multiple tickets or accidents could pay around $2,630
• Policy cost with full coverage for a teen driver with full coverage can cost $4,720 each year

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Insurance rates for a Jaguar XF also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark 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 are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $390 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,740 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 the Right Jaguar XF Insurance

Finding cheaper rates on Jaguar XF insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a quick rundown of the data touched on in this article.

• Drivers who purchase increased levels of liability coverage will pay around $520 per year to raise limits from a 30/60 limit to higher 250/500 limits
• You may be able to save around $140 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $400 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $393 each month including comprehensive and collision insurance