Jaguar XF Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for a Jaguar XF are $1,172 annually including full coverage. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $320, and liability coverage is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,526 or more. Teen drivers cost the most to insure at up to $4,572 a year.

Average premium for full coverage: $1,172

Policy rates broken down by type of insurance:

Comprehensive $220
Collision $320
Liability $474

Prices include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and XF trim levels.

Price Range Variability

For a driver around age 40, Jaguar XF insurance rates range from as cheap as $522 for just liability insurance to a high of $2,526 for high-risk insurance.

Liability Only $522
Full Coverage $1,172
High Risk $2,526

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $879
Small Cities $1,231
Large Cities $1,582

The examples above highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than 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.

More Rate Details

The chart below breaks down average Jaguar XF insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $695
  • Raising to $1,000 deductibles will save approximately $1,050 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,172
  • Choosing low $100 deductibles costs an additional $236 each year
  • Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,526
  • Policy cost with full coverage for a teenage driver can cost as much as $4,572

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing Jaguar XF insurance prices range from $695 to $4,572 for full coverage

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce rates by up to $360 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Jaguar XF insurance rates. A middle-age driver might find 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.

Jaguar XF Insurance Rates by State
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%

View Chart as Image

Jaguar XF insurance rates by U.S. city

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 $1,136 $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.

Jaguar XF Insurance Rates by Model Year
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 Buy the Right Jaguar XF Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit history, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the material that was covered above.

  • Consumers who want increased levels of liability coverage will pay about $520 per year to raise from a 30/60 limit to higher 250/500 limits
  • Drivers age 20 and younger are charged the highest rates, with premiums being up to $381 each month including comprehensive and collision insurance
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,350 more annually to buy Jaguar XF insurance
  • Increasing comprehensive and collision deductibles could save up to $350 each year

Rates by Driver Age

Jaguar XF Insurance 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

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,408
$250 $1,302
$500 $1,172
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
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

Jaguar XF Insurance 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.

SR-22 Surcharge $159

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
Rate after discounts $695

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles