Jaguar XF Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 18, 2024
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U.S. average auto insurance rates for a Jaguar XF are $1,220 annually with full coverage. Comprehensive insurance costs an estimated $234 each year, collision costs $354, and liability costs $474. Liability-only coverage costs as little as $522 a year, with high-risk coverage costing $2,630 or more. Teen drivers pay the highest rates at $4,720 a year or more.
Average premium for full coverage: $1,220
Price estimates broken down by individual coverage:
Includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and XF models.
Price Range from Low to High
For an average driver, Jaguar XF insurance prices go from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,630 for a policy for a high-risk driver.
Geographic Price Range
Your location can have significant affects on car insurance rates. More rural locations have fewer collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on insurance prices.
The ranges above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using price averages.
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.
Additional Rate Details
The chart below details estimated Jaguar XF insurance rates for other coverage scenarios.
- The lowest rate with discounts is $720
- Drivers who choose higher $1,000 deductibles will pay approximately $134 annually
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,220
- Choosing low deductibles for comprehensive and collision insurance costs an additional $256 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,630 or more
- The price with full coverage for a teen driver can cost as much as $4,720 a year
Auto insurance prices for a Jaguar XF are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out $1,400 to $2,000 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 128% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $390 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,650 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$118 | -9.7% |
| Alaska | $934 | -$286 | -23.4% |
| Arizona | $1,010 | -$210 | -17.2% |
| Arkansas | $1,220 | -$0 | 0.0% |
| California | $1,390 | $170 | 13.9% |
| Colorado | $1,166 | -$54 | -4.4% |
| Connecticut | $1,252 | $32 | 2.6% |
| Delaware | $1,382 | $162 | 13.3% |
| Florida | $1,528 | $308 | 25.2% |
| Georgia | $1,124 | -$96 | -7.9% |
| Hawaii | $876 | -$344 | -28.2% |
| Idaho | $824 | -$396 | -32.5% |
| Illinois | $908 | -$312 | -25.6% |
| Indiana | $916 | -$304 | -24.9% |
| Iowa | $822 | -$398 | -32.6% |
| Kansas | $1,160 | -$60 | -4.9% |
| Kentucky | $1,664 | $444 | 36.4% |
| Louisiana | $1,804 | $584 | 47.9% |
| Maine | $752 | -$468 | -38.4% |
| Maryland | $1,006 | -$214 | -17.5% |
| Massachusetts | $976 | -$244 | -20.0% |
| Michigan | $2,120 | $900 | 73.8% |
| Minnesota | $1,020 | -$200 | -16.4% |
| Mississippi | $1,458 | $238 | 19.5% |
| Missouri | $1,082 | -$138 | -11.3% |
| Montana | $1,310 | $90 | 7.4% |
| Nebraska | $960 | -$260 | -21.3% |
| Nevada | $1,464 | $244 | 20.0% |
| New Hampshire | $876 | -$344 | -28.2% |
| New Jersey | $1,362 | $142 | 11.6% |
| New Mexico | $1,080 | -$140 | -11.5% |
| New York | $1,284 | $64 | 5.2% |
| North Carolina | $702 | -$518 | -42.5% |
| North Dakota | $998 | -$222 | -18.2% |
| Ohio | $842 | -$378 | -31.0% |
| Oklahoma | $1,252 | $32 | 2.6% |
| Oregon | $1,116 | -$104 | -8.5% |
| Pennsylvania | $1,164 | -$56 | -4.6% |
| Rhode Island | $1,624 | $404 | 33.1% |
| South Carolina | $1,104 | -$116 | -9.5% |
| South Dakota | $1,030 | -$190 | -15.6% |
| Tennessee | $1,068 | -$152 | -12.5% |
| Texas | $1,470 | $250 | 20.5% |
| Utah | $904 | -$316 | -25.9% |
| Vermont | $836 | -$384 | -31.5% |
| Virginia | $730 | -$490 | -40.2% |
| Washington | $944 | -$276 | -22.6% |
| West Virginia | $1,118 | -$102 | -8.4% |
| Wisconsin | $844 | -$376 | -30.8% |
| Wyoming | $1,086 | -$134 | -11.0% |
Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and quoted prices may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,178 | $98 |
| Jaguar XF Premium 4-Dr Sedan | $1,200 | $100 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,240 | $103 |
| Jaguar XF R 4-Dr Sedan | $1,280 | $107 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Jaguar XF | $424 | $810 | $390 | $1,782 |
| 2023 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2022 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2021 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2020 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2019 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2018 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2017 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2016 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2015 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2014 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2013 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2012 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2011 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2010 Jaguar XF | $220 | $320 | $474 | $1,172 |
| 2009 Jaguar XF | $214 | $288 | $468 | $1,128 |
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 Buy the Cheapest Jaguar XF Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The list below is a recap of the coverage data covered in the above illustrations.
- You may be able to save approximately $140 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $400 each year
- Teenagers are the costliest to insure, costing up to $393 a month if full coverage is included
- Higher risk drivers that have major violations or accidents pay on average $1,410 more annually for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,720 |
| 20 | $2,788 |
| 30 | $1,256 |
| 40 | $1,220 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,476 |
| $250 | $1,358 |
| $500 | $1,220 |
| $1,000 | $1,086 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,220 |
| 50/100 | $1,375 |
| 100/300 | $1,493 |
| 250/500 | $1,801 |
| 100 CSL | $1,422 |
| 300 CSL | $1,683 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,694 |
| 20 | $4,448 |
| 30 | $2,668 |
| 40 | $2,630 |
| 50 | $2,512 |
| 60 | $2,488 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $65 |
| Homeowner | $20 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $50 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $500 |
Discounts are estimated and may not be available from every company or in every state.
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