Jaguar XF Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,476 |
$250 | $1,358 |
$500 | $1,220 |
$1,000 | $1,086 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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