Jaguar XF Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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U.S. average insurance rates for a Jaguar XF are $1,172 a year for full coverage insurance. Comprehensive costs on average $220 a year, collision insurance costs $320, and liability coverage costs $474. Liability-only coverage costs as little as $522 a year, and high-risk coverage costs around $2,526. 16-year-old drivers pay the highest rates at up to $4,572 a year.

Average premium for full coverage: $1,172

Price estimates by individual coverage:

Comprehensive $220
Collision $320
Liability $474

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and XF trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Jaguar XF insurance prices range from as low as $522 for just liability insurance to a high of $2,526 for a driver who requires high-risk insurance.

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

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have a lower frequency of physical damage 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 illustrate why it is important to compare rates based on a specific location and risk profile, rather than using 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.

More Rate Details

The chart below illustrates average Jaguar XF insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $695
  • Drivers who choose higher $1,000 deductibles will pay around $1,050 each year
  • The average rate for the average middle-age driver with $500 deductibles is $1,172
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,408
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,526
  • The price for full coverage for a teenage driver may cost $4,572 a year

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 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may only pay around $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age

The state you live in makes a big difference in Jaguar XF insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,590 on average in Michigan, New York, and Florida.

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

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

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

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 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.

Jaguar XF Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Jaguar XF $296 $522 $460 $1,436
2012 Jaguar XF $258 $424 $474 $1,314
2009 Jaguar XF $220 $320 $474 $1,172

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 Cheap Jaguar XF Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around at every other renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a brief summary of the concepts that were raised in the charts and tables above.

  • Drivers that tend to have accidents or serious violations pay an average of $1,350 more each year than a safer driver
  • Drivers age 16 to 20 are charged the highest prices, as much as $381 a month if they have full coverage
  • It is possible to save as much as $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save around $350 each year
  • It is possible to save as much as $140 per year just 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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