Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,172 a year for full coverage. Comprehensive insurance costs approximately $220 a year, collision costs $320, and liability costs around $474. Liability-only coverage costs as low as $522 a year, with high-risk coverage costing $2,526 or more. 16-year-old drivers cost the most to insure at $4,572 a year or more.

Average premium for full coverage: $1,172

Policy rates by type of insurance:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above show why it is important to compare prices using their specific location, instead of using rate averages.

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

More Rate Information

The chart below shows estimated Jaguar XF insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $695
• Using higher $1,000 deductibles will save $1,050 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,172
• Buying low $100 deductibles for physical damage coverage will cost an additional $236 every year
• Drivers with multiple tickets or accidents could pay around $2,526 or more
• Policy cost that insures a teen driver can cost $4,572 or more

View Chart as Image

Insurance rates for a Jaguar XF also range considerably based on the trim level of your XF, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,400 to $1,900 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Your home state has a huge impact on Jaguar XF insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $360 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each insurance company utilizes a different rate formula, 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 Cheap Jaguar XF Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at every other renewal by getting quotes from direct carriers, and also from insurance agencies where you live.

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

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,350 more per year for auto insurance
• Teenage drivers are the costliest to insure, costing up to $381 each month if comprehensive and collision insurance is included
• Drivers can save around $140 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers can save around $140 per year simply by quoting early and online