Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,172 a year for full coverage. Comprehensive insurance costs on average $220, collision insurance costs $320, and liability costs around $474. A liability-only policy costs as low as $522 a year, and high-risk insurance costs $2,526 or more. Teenage drivers cost the most to insure at up to $4,572 a year.

Average premium for full coverage: $1,172

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows average Jaguar XF insurance rates for different risk profiles and scenarios.

• The best discount rate is $695
• Using higher $1,000 deductibles will save around $122 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,172
• Using more expensive low deductibles for physical damage coverage will cost an extra $236 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,526
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,572 or more

View Chart as Image

Car insurance rates for a Jaguar XF also range considerably based on your risk profile, the trim level of your XF, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age

Your home state has a huge impact on Jaguar XF insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $360 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can be from 42% to 133% more than a normal policy. View High Risk Driver Rates

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 Find the Right Jaguar XF Insurance

Finding cheaper rates on insurance for a Jaguar XF requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Spend time shopping around once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

Below you'll find a quick rundown of the data that was touched on above.

• Drivers can save as much as $140 per year just by shopping early and online
• Insureds who require more liability protection will pay an extra $520 each year to increase from a 30/60 limit to 250/500 limits
• Youthful drivers are expensive to insure, costing up to $381 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions will pay on average $1,350 more each year than a low-risk driver