Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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U.S. average insurance prices for a Jaguar XF are $1,172 every 12 months with full coverage. Comprehensive insurance costs on average $220 a year, collision costs $320, and liability insurance costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,526 or more. 16-year-old drivers pay the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Price estimates by individual coverage:

Comprehensive $220
Collision $320
Liability $474

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and XF trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Jaguar XF insurance prices go from the cheapest price of $522 for basic liability insurance to a high of $2,526 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

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

The ranges above demonstrate why it is important to compare prices based on a specific location and their own driving history, rather than relying on 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.

Rate Comparisons

The chart below details estimated Jaguar XF insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $695
  • Using higher $1,000 deductibles will save around $1,050 annually
  • The average price for the average middle-age driver with $500 deductibles is $1,172
  • Buying low $100 deductibles for physical damage coverage costs an extra $236 a year
  • Drivers with multiple tickets or accidents could pay upwards of $2,526 or more
  • The price to insure a teen driver may cost $4,572 or more

View Chart as Image

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

Auto insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your XF.

Opting for high physical damage deductibles could cut prices by as much as $360 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Jaguar XF insurance rates. A driver around age 40 might see prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or at least $1,590 on average in Florida, Michigan, and New York.

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

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.

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 Shop for More Affordable Jaguar XF Insurance

Getting lower rates on Jaguar XF insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every other policy renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the ideas that were raised in the charts and tables above.

  • Drivers age 20 and younger are charged the highest prices, costing up to $381 a month if comprehensive and collision insurance is included
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,350 more each year to buy Jaguar XF insurance
  • Increasing physical damage deductibles could save as much as $350 each year
  • You may be able to save as much as $140 per year simply by quoting early and online

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.

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