Jaguar XF Insurance Rates

U.S. average insurance rates for a Jaguar XF are $1,172 a year for full coverage insurance. Comprehensive insurance costs an estimated $220, collision costs $320, and liability is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,526 or more. Teenage drivers pay the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Price estimates broken down by individual coverage:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for different XF trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates estimated Jaguar XF insurance rates for other coverage scenarios.

• The best discount rate is $695
• Raising to $1,000 deductibles will save approximately $122 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,172
• Using more expensive low deductibles will cost an extra $236 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,526 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $4,572

View Chart as Image

Insurance prices for a Jaguar XF are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,500 a year. View Rates by Age

The state you live in also has a big influence on Jaguar XF insurance prices. A middle-age driver might find prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,590 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $360 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,400 to $1,900 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 133% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and 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 Best Jaguar XF Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Make time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief recap of the coverage data touched on in this article.

• It is possible to save approximately $140 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $350 each year
• Teens are expensive to insure, as much as $381 a month including comprehensive and collision insurance
• Higher risk drivers who tend to receive serious violations pay on average $1,350 more annually for XF insurance