Jaguar XF Insurance Rates

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2010 Jaguar XF Insurance Cost in 2025

Want cheaper car insurance rates for your Jaguar XF? No normal person looks forward to paying premiums for car insurance, particularly when they could find lower prices if they just compared rates. Vehicle owners have so many insurers to purchase coverage from, and although it's nice to have a choice, it can be more difficult to find the lowest cost provider. It is always a good idea to compare p...

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UPDATED: Apr 18, 2024

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The average insurance prices for a Jaguar XF are $1,220 every 12 months including full coverage. Comprehensive costs around $234, collision costs $354, and liability is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,630. Teen drivers cost the most to insure at $4,720 a year or more.

Average premium for full coverage: $1,220

Policy rates for type of insurance:

Comprehensive $234
Collision $354
Liability $474

Estimates include $500 physical damage insurance 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

For a driver around age 40, Jaguar XF insurance rates go from the cheapest price of $522 for liability-only coverage to the much higher price of $2,630 for a high-risk insurance policy.

Liability Only $522
Full Coverage $1,220
High Risk $2,630

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

The examples above highlight why everyone should get quotes for a specific zip code and their own driving history, instead of using price 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.

Additional Charts and Tables

The chart below breaks down estimated Jaguar XF insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $720
  • Choosing higher $1,000 deductibles can save about $134 every year
  • The average price for a good driver age 40 using $500 deductibles is $1,220
  • Choosing pricier low deductibles for comp and collision coverage increases the price to $1,476
  • Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,630 or more
  • Policy cost to insure a teen driver for full coverage can be $4,720 each year

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance rates range from $720 to $4,720

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

Choosing high deductibles can save as much as $390 every year, whereas buying more liability protection will increase rates. 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 may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,700 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 at least $1,400 to $2,000 extra every year, depending on your age. Jaguar XF insurance for high-risk drivers ranges as much as 42% to 128% more than average. View High Risk Driver Rates

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

Jaguar XF Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$118 -9.7%
Alaska $934 -$286 -23.4%
Arizona $1,010 -$210 -17.2%
Arkansas $1,220 -$0 0.0%
California $1,390 $170 13.9%
Colorado $1,166 -$54 -4.4%
Connecticut $1,252 $32 2.6%
Delaware $1,382 $162 13.3%
Florida $1,528 $308 25.2%
Georgia $1,124 -$96 -7.9%
Hawaii $876 -$344 -28.2%
Idaho $824 -$396 -32.5%
Illinois $908 -$312 -25.6%
Indiana $916 -$304 -24.9%
Iowa $822 -$398 -32.6%
Kansas $1,160 -$60 -4.9%
Kentucky $1,664 $444 36.4%
Louisiana $1,804 $584 47.9%
Maine $752 -$468 -38.4%
Maryland $1,006 -$214 -17.5%
Massachusetts $976 -$244 -20.0%
Michigan $2,120 $900 73.8%
Minnesota $1,020 -$200 -16.4%
Mississippi $1,458 $238 19.5%
Missouri $1,082 -$138 -11.3%
Montana $1,310 $90 7.4%
Nebraska $960 -$260 -21.3%
Nevada $1,464 $244 20.0%
New Hampshire $876 -$344 -28.2%
New Jersey $1,362 $142 11.6%
New Mexico $1,080 -$140 -11.5%
New York $1,284 $64 5.2%
North Carolina $702 -$518 -42.5%
North Dakota $998 -$222 -18.2%
Ohio $842 -$378 -31.0%
Oklahoma $1,252 $32 2.6%
Oregon $1,116 -$104 -8.5%
Pennsylvania $1,164 -$56 -4.6%
Rhode Island $1,624 $404 33.1%
South Carolina $1,104 -$116 -9.5%
South Dakota $1,030 -$190 -15.6%
Tennessee $1,068 -$152 -12.5%
Texas $1,470 $250 20.5%
Utah $904 -$316 -25.9%
Vermont $836 -$384 -31.5%
Virginia $730 -$490 -40.2%
Washington $944 -$276 -22.6%
West Virginia $1,118 -$102 -8.4%
Wisconsin $844 -$376 -30.8%
Wyoming $1,086 -$134 -11.0%

View Chart as Image

Jaguar XF insurance rates by U.S. city

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 $1,178 $98
Jaguar XF Premium 4-Dr Sedan $1,200 $100
Jaguar XF Supercharged 4-Dr Sedan $1,240 $103
Jaguar XF R 4-Dr Sedan $1,280 $107

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 $424 $810 $390 $1,782
2023 Jaguar XF $406 $804 $398 $1,766
2022 Jaguar XF $394 $784 $416 $1,752
2021 Jaguar XF $380 $752 $430 $1,720
2020 Jaguar XF $358 $726 $442 $1,684
2019 Jaguar XF $344 $674 $452 $1,628
2018 Jaguar XF $332 $634 $456 $1,580
2017 Jaguar XF $318 $568 $460 $1,504
2016 Jaguar XF $296 $522 $460 $1,436
2015 Jaguar XF $286 $490 $464 $1,398
2014 Jaguar XF $280 $458 $474 $1,370
2013 Jaguar XF $258 $424 $474 $1,314
2012 Jaguar XF $252 $386 $478 $1,274
2011 Jaguar XF $234 $354 $474 $1,220
2010 Jaguar XF $220 $320 $474 $1,172
2009 Jaguar XF $214 $288 $468 $1,128

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

Finding cheaper rates on car insurance takes being a low-risk driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a review of the car insurance concepts covered above.

  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,410 more every year to insure their XF
  • You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $400 each year
  • Policyholders who may need more liability coverage will pay about $520 per year to raise limits from a 30/60 limit to a 250/500 level

Rates by Driver Age

Jaguar XF Insurance Rates by Driver Age
Driver Age Premium
16 $4,720
20 $2,788
30 $1,256
40 $1,220
50 $1,114
60 $1,092

Full coverage, $500 deductibles

Rates by Deductible

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,358
$500 $1,220
$1,000 $1,086

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,220
50/100 $1,375
100/300 $1,493
250/500 $1,801
100 CSL $1,422
300 CSL $1,683
500 CSL $1,873

Full coverage, driver age 40

Rates for High Risk Drivers

Jaguar XF Insurance Rates for High Risk Drivers
Age Premium
16 $6,694
20 $4,448
30 $2,668
40 $2,630
50 $2,512
60 $2,488

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $81
5-yr Claim Free $78
Paid in Full/EFT $50
Advance Quote $57
Online Quote $85
Total Discounts $500
Rate after discounts $720

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

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