Jaguar XF Insurance Rates

The average insurance rates for a Jaguar XF are $1,172 a year with full coverage. Comprehensive insurance costs an estimated $220 a year, collision costs $320, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance 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:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and XF trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $695
• Drivers who choose higher $1,000 deductibles will pay approximately $1,050 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,172
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $236 annually
• Drivers who are prone to accidents and violations could pay up to $2,526 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,572 a year

View Chart as Image

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

Older drivers with no driving violations and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Jaguar XF insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,590 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $360 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,400 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied 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 More Affordable Jaguar XF Insurance

Finding cheaper rates on insurance for a Jaguar XF not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the primary concepts that were touched on above.

• You may be able to save approximately $140 per year simply by quoting early and online
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,350 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $350 each year
• Teenagers have the highest car insurance rates, as much as $381 each month if full coverage is included