Jaguar XF Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance prices for a Jaguar XF are $1,220 every 12 months for full coverage. Comprehensive costs an estimated $234 a year, collision insurance costs $354, and liability coverage costs $474. Buying just liability costs as little as $522 a year, and insurance for high-risk drivers costs around $2,630. Teen drivers pay the highest rates at up to $4,720 a year.
Average premium for full coverage: $1,220
Price estimates broken down by individual coverage:
These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and XF trim levels.
Price Range from Low to High
For a driver around age 40, Jaguar XF insurance prices range from the cheapest price of $522 for just the minimum liability insurance to a high of $2,630 for a high-risk driver policy.
Geographic Price Range
Your location has a large influence on insurance rates. More rural locations have more infrequent accident claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why it is important to compare rates for a targeted area and their own driving history, 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.
Additional Rate Analysis
The chart below shows average Jaguar XF insurance rates for other coverage scenarios.
- The lowest rate with discounts is $720
- Drivers who choose higher $1,000 deductibles will pay approximately $1,086 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,220
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,476
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,630
- The price to insure a teenage driver can cost as much as $4,720 a year
Insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing high deductibles could save up to $390 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 128% more than average. View High Risk Driver Rates
The state you live in makes a big difference in Jaguar XF insurance rates. A 40-year-old driver could pay as low as $800 a year in states like Iowa, Maine, and Idaho, or as much as $1,740 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$118 | -9.7% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,010 | -$210 | -17.2% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,390 | $170 | 13.9% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,252 | $32 | 2.6% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,528 | $308 | 25.2% |
| Georgia | $1,124 | -$96 | -7.9% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $916 | -$304 | -24.9% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,464 | $244 | 20.0% |
| New Hampshire | $876 | -$344 | -28.2% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,284 | $64 | 5.2% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,252 | $32 | 2.6% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,164 | -$56 | -4.6% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $944 | -$276 | -22.6% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,086 | -$134 | -11.0% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,178 | $98 |
| Jaguar XF Premium 4-Dr Sedan | $1,200 | $100 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,240 | $103 |
| Jaguar XF R 4-Dr Sedan | $1,280 | $107 |
Rates assume 2009 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 |
|---|---|---|---|---|
| 2015 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2012 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2009 Jaguar XF | $234 | $354 | $474 | $1,220 |
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 Cheap Jaguar XF Insurance
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The points below are a brief summary of the information covered above.
- Drivers can save approximately $140 per year just by quoting early and online
- Drivers under the age of 20 are expensive to insure, with premiums as much as $393 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $400 each year
- Drivers that tend to have accidents or serious violations pay on average $1,410 more annually to insure a Jaguar XF
- Consumers who want increased liability limits will pay about $520 each year to go from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,788 |
| 30 | $1,256 |
| 40 | $1,220 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,476 |
| $250 | $1,358 |
| $500 | $1,220 |
| $1,000 | $1,086 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,375 |
| 100/300 | $1,493 |
| 250/500 | $1,801 |
| 100 CSL | $1,422 |
| 300 CSL | $1,683 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,694 |
| 20 | $4,448 |
| 30 | $2,668 |
| 40 | $2,630 |
| 50 | $2,512 |
| 60 | $2,488 |
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 | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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