Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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Average insurance rates for a Jaguar XF are $1,172 a year with full coverage. Comprehensive insurance costs approximately $220, collision costs $320, and liability coverage is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing $2,526 or more. Teens receive the highest rates at $4,572 a year or more.

Average premium for full coverage: $1,172

Rate estimates by individual coverage type:

Comprehensive $220
Collision $320
Liability $474

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different XF trim levels.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $522 for just liability coverage to a much higher rate of $2,526 for a driver who has had serious violations or accidents.

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

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

Rural Areas $879
Small Cities $1,231
Large Cities $1,582

These examples demonstrate why anyone shopping for car insurance should get quotes using their specific location, rather than using averaged prices.

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.

Detailed Rate Analysis

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

  • The cheapest rate after discounts is $695
  • Choosing higher $1,000 deductibles can save $122 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,172
  • Selecting more expensive low deductibles for comp and collision coverage will cost an additional $236 each year
  • Drivers with serious driving violations could pay around $2,526 or more
  • The cost that insures a teenage driver with full coverage can cost $4,572 each year

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing full coverage Jaguar XF insurance prices range from $695 to $4,572

Auto insurance rates for a Jaguar XF can also vary considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance ranges around 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,590 on average in New York, Michigan, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 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.

Jaguar XF Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Jaguar XF $406 $804 $398 $1,766
2023 Jaguar XF $394 $784 $416 $1,752
2022 Jaguar XF $380 $752 $430 $1,720
2021 Jaguar XF $358 $726 $442 $1,684
2020 Jaguar XF $344 $674 $452 $1,628
2019 Jaguar XF $332 $634 $456 $1,580
2018 Jaguar XF $318 $568 $460 $1,504
2017 Jaguar XF $296 $522 $460 $1,436
2016 Jaguar XF $286 $490 $464 $1,398
2015 Jaguar XF $280 $458 $474 $1,370
2014 Jaguar XF $258 $424 $474 $1,314
2013 Jaguar XF $252 $386 $478 $1,274
2012 Jaguar XF $234 $354 $474 $1,220
2011 Jaguar XF $220 $320 $474 $1,172
2010 Jaguar XF $214 $288 $468 $1,128
2009 Jaguar XF $210 $282 $460 $1,110

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 the Best Jaguar XF Insurance

Saving money on auto insurance takes being safe and accident-free, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Compare rates every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a brief recap of the ideas that were touched on above.

  • Youthful drivers have the highest car insurance rates, with premiums as much as $381 per month if the policy includes full coverage
  • Drivers who tend to receive serious violations may have to pay on average $1,350 more per year than a low-risk driver
  • Increasing deductibles can save approximately $350 each year
  • You may be able to save around $140 per year simply by shopping 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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