Jaguar XF Insurance Rates

The average insurance prices for a Jaguar XF are $1,172 every 12 months including full coverage. Comprehensive insurance costs approximately $220, collision costs $320, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,526 or more. Teen drivers cost the most to insure at $4,572 a year or more.

Average premium for full coverage: $1,172

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all XF models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $695
• Using higher $1,000 deductibles will save $122 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,172
• Choosing pricier low deductibles for physical damage coverage costs an extra $236 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,526 or more
• Policy cost to insure a teen driver for full coverage can cost $4,572 or more

View Chart as Image

Insurance rates for a Jaguar XF also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your XF.

Choosing high deductibles could cut rates by as much as $360 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Jaguar XF insurance for high-risk drivers can be anywhere from 42% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Jaguar XF insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied.

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 Shop for More Affordable Jaguar XF Insurance

Finding cheaper rates on Jaguar XF insurance requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a summary of the car insurance concepts touched on in this article.

• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,350 more per year than a low-risk driver
• You may be able to save around $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $350 each year
• Drivers who purchase more liability protection will pay about $520 per year to increase from a 30/60 limit to a 250/500 level