Jaguar XF Insurance Rates

U.S. average insurance rates for a Jaguar XF are $1,220 a year for full coverage insurance. Comprehensive costs on average $234 each year, collision costs $354, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing around $2,630. Teen drivers pay the highest rates at $4,720 a year or more.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and XF models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $720
• Using higher $1,000 deductibles will save around $134 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,220
• Choosing low deductibles for physical damage coverage will increase the cost to $1,476
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,630 or more
• The price for full coverage for a 16-year-old driver may cost $4,720 or more

View Chart as Image

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.

More mature drivers with a good driving record and high deductibles may pay as low as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Jaguar XF insurance prices. A driver around age 40 might see prices as low as $800 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,650 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $390 annually, whereas increasing 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 $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can be from 42% to 128% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 the Right Jaguar XF Insurance

Getting lower rates on insurance for a Jaguar XF requires having a decent driving record, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a quick rundown of the material that was covered in the above illustrations.

• Insureds who require additional liability coverage will pay about $520 annually to increase from a low limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest prices, as much as $393 a month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions pay an average of $1,410 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $400 each year