Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,220 a year for full coverage insurance. Comprehensive insurance costs approximately $234 a year, collision insurance costs $354, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, and insurance for high-risk drivers costs $2,630 or more. Teens cost the most to insure at up to $4,720 a year.

Average premium for full coverage: $1,220

Policy rates by type of insurance:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location, rather than relying on averaged prices.

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

Additional Rate Details

The chart below illustrates average Jaguar XF insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $720
• Choosing higher $1,000 deductibles can save $1,086 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,220
• Selecting low $100 deductibles for comp and collision coverage will cost an additional $256 a year
• High-risk insureds with serious driving violations could pay around $2,630
• Policy cost that insures a teen driver can cost $4,720 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age

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 $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

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 Low Cost Jaguar XF Insurance

Finding cheaper rates on Jaguar XF insurance takes being a good driver, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following list is a review of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, possibly costing $393 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be charged and average of $1,410 more per year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• It is possible to save around $140 per year just by quoting early and online