Jaguar XF Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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 insurance. Comprehensive costs an estimated $220 each year, collision costs $320, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing around $2,526. 16-year-old drivers pay the highest rates at $4,572 a year or more.
Average premium for full coverage: $1,172
Price estimates broken down by individual coverage:
Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and XF models.
Price Range from Low to High
For a 40-year-old driver, Jaguar XF insurance prices go from the cheapest price of $522 for just liability coverage to a high rate of $2,526 for a policy for a high-risk driver.
Geographic Price Range
Living in a larger city has a large influence on the price of insurance. More rural locations have more infrequent physical damage claims than congested cities.
The graphic below illustrates how your location can change insurance prices.
The ranges above illustrate why all drivers should get quotes for a targeted area and their own driving history, rather than using rate averages.
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.
Detailed Rate Analysis
The chart below illustrates estimated Jaguar XF insurance rates for other coverage scenarios.
- The best full coverage rate is $695
- Choosing higher $1,000 deductibles can save approximately $122 each year
- The average price for the average middle-age driver who has $500 deductibles is $1,172
- Buying low deductibles for comp and collision coverage increases the price to $1,408
- Drivers with multiple tickets or accidents could pay up to $2,526 or more
- The price to insure a teenage driver can cost as much as $4,572 each year
Car insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles can save as much as $360 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than the average rate. 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 North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.
| 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% |
Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 More Affordable Jaguar XF Insurance
Getting lower rates on auto insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to shop around every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The items below are a summary of the coverage data illustrated above.
- It is possible to save approximately $140 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $350 each year
- Teen drivers have the highest car insurance prices, as much as $381 a month if the policy includes full coverage
- Drivers who have multiple accidents or major violations could be forced to pay on average $1,350 more annually to insure their XF
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,172 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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