Jaguar XF Insurance Rates
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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
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Estimated insurance rates for a Jaguar XF are $1,172 a year for full coverage. Comprehensive insurance costs approximately $220 each year, collision costs $320, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, with high-risk insurance costing $2,526 or more. Teenage drivers pay the most at $4,572 a year or more.
Average premium for full coverage: $1,172
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and XF models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Jaguar XF go from the low end price of $522 for just liability insurance to a high rate of $2,526 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences show why all drivers should get quotes using their specific location, rather than using average rates.
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 shows estimated Jaguar XF insurance rates for additional coverage and risk scenarios.
- The best discount rate is $695
- Choosing higher $1,000 deductibles can save $122 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,172
- Using low deductibles for comp and collision coverage will cost an additional $236 each year
- Drivers who are prone to accidents and violations could pay around $2,526 or more
- An auto insurance policy that insures a teenage driver can cost $4,572 each year
Auto insurance prices for a Jaguar XF also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,400 to $1,900 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,670 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can save as much as $360 a year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Find the Best Cheap Jaguar XF Insurance
Finding better rates on auto insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every year by requesting quotes from direct carriers, and also from insurance agencies where you live.
Below you'll find a quick review of the coverage data covered above.
- Drivers can save around $140 per year simply by quoting online in advance
- Increasing policy deductibles can save approximately $350 each year
- Youthful drivers have the highest car insurance prices, as much as $381 per month if the policy includes full coverage
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,350 more per year than a low-risk driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,408 |
| $250 | $1,302 |
| $500 | $1,172 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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