Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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Estimated auto insurance rates for a Jaguar XF are $1,172 annually for full coverage insurance. Comprehensive costs an estimated $220, collision insurance costs $320, and liability is $474. A liability-only policy costs around $522 a year, and high-risk insurance costs around $2,526. Teens pay the most at up to $4,572 a year.

Average premium for full coverage: $1,172

Premium estimates broken down by type of coverage:

Comprehensive $220
Collision $320
Liability $474

Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different XF trim levels.

Insurance Price Range by Risk and Coverage

For a 40-year-old driver, insurance rates for a Jaguar XF range from as cheap as $522 for basic liability insurance to a much higher rate of $2,526 for a policy for a high-risk driver.

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

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change insurance prices.

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

These rate differences illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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 illustrates average Jaguar XF insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $695
  • Raising to $1,000 deductibles will save approximately $122 each year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,172
  • Selecting more expensive low deductibles will cost $1,408
  • At-risk drivers with serious driving violations could pay up to $2,526
  • An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $4,572

View Chart as Image

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

Auto insurance prices for a Jaguar XF also have a wide range based on the model of your XF, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $4,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,400 to $1,900 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $360 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Jaguar XF insurance prices. A middle-age driver might find prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,590 on average in Florida, 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 Cheaper Jaguar XF Insurance

Finding better rates on car insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest the time to shop around every year by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the coverage data illustrated above.

  • It is possible to save approximately $140 per year just by shopping early and online
  • Increasing policy deductibles could save up to $350 each year
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $381 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents may pay on average $1,350 more annually than a safer driver

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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