Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,274 a year with full coverage. Comprehensive insurance costs around $252, collision costs $386, and liability is estimated at $478. Liability-only coverage costs approximately $526 a year, with high-risk coverage costing $2,748 or more. Teenage drivers cost the most to insure at $4,894 a year or more.

Average premium for full coverage: $1,274

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all XF models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why everyone should get quotes for a specific zip code, instead of using average rates.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below details estimated Jaguar XF insurance rates for additional coverage choices and driver risks.

• The best discount rate is $748
• Choosing higher $1,000 deductibles can save about $146 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,274
• Using pricier low deductibles for comp and collision coverage will cost an additional $276 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,748 or more
• Policy cost that insures a teen driver for full coverage can be $4,894 each year

View Chart as Image

Insurance rates for a Jaguar XF also range considerably based on the model of your XF, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 additional every year, depending on your age. Jaguar XF insurance for high-risk drivers ranges as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

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 $920 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $430 every year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Jaguar XF Insurance

Finding cheaper rates on car insurance takes having a good driving record, having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a condensed summary of the coverage data touched on in the above illustrations.

• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Drivers age 20 and younger are charged the highest rates, as much as $408 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,470 more every year to buy Jaguar XF insurance