Jaguar XF Insurance Rates

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UPDATED: Apr 18, 2024

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U.S. average insurance rates for a Jaguar XF are $1,220 a year with full coverage. Comprehensive insurance costs approximately $234 a year, collision insurance costs $354, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs $2,630 or more. 16-year-old drivers pay the highest rates at up to $4,720 a year.

Average premium for full coverage: $1,220

Price estimates by individual coverage:

Comprehensive $234
Collision $354
Liability $474

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and XF trim levels.

Price Range from Low to High

For the normal driver, Jaguar XF insurance prices range from the low end price of $522 for just liability coverage to a high of $2,630 for high-risk insurance.

Liability Only $522
Full Coverage $1,220
High Risk $2,630

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $915
Small Cities $1,281
Large Cities $1,647

The ranges above demonstrate why it is important to get quotes using their specific location, rather than using rate 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $720
  • Choosing higher $1,000 deductibles can save $1,086 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,220
  • Buying low $100 deductibles for comp and collision coverage will cost an additional $256 each year
  • Drivers with multiple tickets or accidents could pay around $2,630
  • The price that insures a teenage driver can cost $4,720 each year

View Chart as Image

Jaguar XF insurance cost comparison chart
Column chart showing Jaguar XF insurance prices range from $720 to $4,720 for full coverage

Auto insurance prices for a Jaguar XF are also quite variable based on the trim level of your XF, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 42% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in plays a big part in determining prices for Jaguar XF insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Utah, Ohio, and New Hampshire, or at least $1,650 on average in New York, Michigan, and Florida.

Jaguar XF Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,102 -$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%

View Chart as Image

Jaguar XF insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $390 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit

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 $1,178 $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.

Jaguar XF Insurance Rates by Model Year
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 Find the Best Jaguar XF Insurance

Getting lower rates on auto insurance takes being safe and accident-free, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

Below you'll find a brief recap of the material that was presented in the illustrations above.

  • Consumers who purchase more liability protection will pay around $520 every year to raise limits from a low limit to the 250/500 level
  • Youthful drivers have the highest car insurance prices, costing up to $393 a month if the policy includes full coverage
  • Drivers who tend to receive serious violations may have to pay on average $1,410 more per year than a low-risk driver
  • Increasing physical damage deductibles can save approximately $400 each year

Rates by Driver Age

Jaguar XF Insurance 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

Jaguar XF Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,476
$250 $1,358
$500 $1,220
$1,000 $1,086

Full coverage, driver age 40

Rates by Liability Limit

Jaguar XF Insurance Rates with Different Liability Limits
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

Jaguar XF Insurance 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.

SR-22 Surcharge $167

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
Rate after discounts $720

Discounts are estimated and may not be available from every company or in every state.

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