Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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U.S. average insurance prices for a Jaguar XF are $1,172 every 12 months for full coverage. Comprehensive costs approximately $220 a year, collision costs $320, and liability coverage is estimated at $474. A policy with just liability insurance costs approximately $522 a year, with coverage for high-risk drivers costing around $2,526. Teenage drivers pay the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Price estimates by individual coverage:

Comprehensive $220
Collision $320
Liability $474

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all states and XF trim levels.

Price Range from Low to High

For the normal driver, Jaguar XF insurance prices go from the cheapest price of $522 for just liability insurance to a high of $2,526 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,172
High Risk $2,526

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have more infrequent accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $879
Small Cities $1,231
Large Cities $1,582

The ranges above show why it is important to get quotes using their specific location and their own driving history, rather than using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

The chart below shows estimated Jaguar XF insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $695
  • Choosing higher $1,000 deductibles can save $1,050 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,172
  • Using low $100 deductibles for comp and collision coverage increases the price to $1,408
  • Drivers who are prone to accidents and violations could pay around $2,526 or more
  • The price to insure a teenage driver can cost $4,572 each year

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance rates range from $695 to $4,572

Insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your driver profile, and the model of your XF.

Using high physical damage deductibles can save as much as $360 a year, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,670 on average in New York, Louisiana, and Michigan.

Jaguar XF Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$110 -9.4%
Alaska $900 -$272 -23.2%
Arizona $974 -$198 -16.9%
Arkansas $1,172 -$0 0.0%
California $1,338 $166 14.2%
Colorado $1,120 -$52 -4.4%
Connecticut $1,206 $34 2.9%
Delaware $1,328 $156 13.3%
Florida $1,468 $296 25.3%
Georgia $1,082 -$90 -7.7%
Hawaii $842 -$330 -28.2%
Idaho $792 -$380 -32.4%
Illinois $872 -$300 -25.6%
Indiana $882 -$290 -24.7%
Iowa $792 -$380 -32.4%
Kansas $1,116 -$56 -4.8%
Kentucky $1,600 $428 36.5%
Louisiana $1,734 $562 48.0%
Maine $724 -$448 -38.2%
Maryland $966 -$206 -17.6%
Massachusetts $938 -$234 -20.0%
Michigan $2,038 $866 73.9%
Minnesota $980 -$192 -16.4%
Mississippi $1,404 $232 19.8%
Missouri $1,040 -$132 -11.3%
Montana $1,260 $88 7.5%
Nebraska $924 -$248 -21.2%
Nevada $1,406 $234 20.0%
New Hampshire $844 -$328 -28.0%
New Jersey $1,310 $138 11.8%
New Mexico $1,040 -$132 -11.3%
New York $1,236 $64 5.5%
North Carolina $676 -$496 -42.3%
North Dakota $960 -$212 -18.1%
Ohio $810 -$362 -30.9%
Oklahoma $1,204 $32 2.7%
Oregon $1,074 -$98 -8.4%
Pennsylvania $1,120 -$52 -4.4%
Rhode Island $1,564 $392 33.4%
South Carolina $1,062 -$110 -9.4%
South Dakota $990 -$182 -15.5%
Tennessee $1,028 -$144 -12.3%
Texas $1,414 $242 20.6%
Utah $870 -$302 -25.8%
Vermont $802 -$370 -31.6%
Virginia $702 -$470 -40.1%
Washington $908 -$264 -22.5%
West Virginia $1,074 -$98 -8.4%
Wisconsin $812 -$360 -30.7%
Wyoming $1,046 -$126 -10.8%

View Chart as Image

Jaguar XF insurance rates by U.S. city

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different.

Insurance Rates by Trim Level and Model Year

Jaguar XF Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Jaguar XF Luxury 4-Dr Sedan $1,136 $95
Jaguar XF Premium 4-Dr Sedan $1,154 $96
Jaguar XF Supercharged 4-Dr Sedan $1,192 $99
Jaguar XF R 4-Dr Sedan $1,230 $103

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.

Jaguar XF Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jaguar XF $406 $804 $398 $1,766
2023 Jaguar XF $394 $784 $416 $1,752
2022 Jaguar XF $380 $752 $430 $1,720
2021 Jaguar XF $358 $726 $442 $1,684
2020 Jaguar XF $344 $674 $452 $1,628
2019 Jaguar XF $332 $634 $456 $1,580
2018 Jaguar XF $318 $568 $460 $1,504
2017 Jaguar XF $296 $522 $460 $1,436
2016 Jaguar XF $286 $490 $464 $1,398
2015 Jaguar XF $280 $458 $474 $1,370
2014 Jaguar XF $258 $424 $474 $1,314
2013 Jaguar XF $252 $386 $478 $1,274
2012 Jaguar XF $234 $354 $474 $1,220
2011 Jaguar XF $220 $320 $474 $1,172
2010 Jaguar XF $214 $288 $468 $1,128
2009 Jaguar XF $210 $282 $460 $1,110

Rates are averaged for all Jaguar XF models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for Low Cost Jaguar XF Insurance

Getting lower rates on auto insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at least every other year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a review of the car insurance concepts presented in the illustrations above.

  • Drivers who have several accidents or serious violations may pay on average $1,350 more per year than a safer driver
  • Drivers can save around $140 per year simply by quoting early and online
  • Increasing physical damage deductibles could save as much as $350 each year
  • Consumers who purchase an increased level of liability coverage will pay an extra $520 each year to raise limits from a low limit to a 250/500 level

Rates by Driver Age

Jaguar XF Insurance Rates by Driver Age
Driver Age Premium
16 $4,572
20 $2,680
30 $1,204
40 $1,172
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,172
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,172
50/100 $1,325
100/300 $1,443
250/500 $1,751
100 CSL $1,372
300 CSL $1,633
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XF Insurance Rates for High Risk Drivers
Age Premium
16 $6,472
20 $4,274
30 $2,560
40 $2,526
50 $2,414
60 $2,390

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $159

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $46
Advance Quote $54
Online Quote $81
Total Discounts $477
Rate after discounts $695

Discounts are estimated and may not be available from every company or in every state.

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