Jaguar XF Insurance Rates

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

Average premium for full coverage: $1,172

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all XF models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The example below illustrates how location impacts insurance prices.

The examples above show why everyone should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $695
• Choosing higher $1,000 deductibles can save approximately $122 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,172
• Using pricier low deductibles for comp and collision coverage costs an additional $236 each year
• Drivers who are prone to accidents and violations could pay up to $2,526 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $4,572 each year

View Chart as Image

Insurance rates for a Jaguar XF also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $1,900 additional every year, depending on your age. Jaguar XF insurance for high-risk drivers ranges around 42% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $360 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,670 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Low Cost Jaguar XF Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a review of the concepts that were touched on above.

• Drivers who have several accidents or serious violations may pay on average $1,350 more annually for auto insurance
• Teenage drivers are expensive to insure, costing up to $381 each month if they have full coverage
• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers can save approximately $140 per year simply by quoting online well ahead of the renewal date