Jaguar XF Insurance Rates

U.S. average insurance prices for a Jaguar XF are $1,274 every 12 months including full coverage. Comprehensive insurance costs on average $252 a year, collision costs $386, and liability coverage is $478. Buying just liability costs around $526 a year, with insurance for high-risk drivers costing $2,748 or more. Teens pay the highest rates at $4,894 a year or more.

Average premium for full coverage: $1,274

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and XF trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why it is important to compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Details

The chart below breaks down estimated Jaguar XF insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $748
• Raising to $1,000 deductibles will save around $1,128 every year
• The average price for the average middle-age driver with $500 deductibles is $1,274
• Selecting low $100 deductibles costs an extra $276 each year
• Unlucky drivers with serious driving violations could pay upwards of $2,748 or more
• The price to insure a teenage driver may cost $4,894

View Chart as Image

Insurance prices for a Jaguar XF are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your XF.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $430 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $430 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 132% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Jaguar XF insurance rates. A middle-age driver might find prices as low as $980 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,820 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and prices may be quite different.

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 Shop for the Best Jaguar XF Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief recap of the material that was covered above.

• Consumers who require increased liability limits will pay approximately $530 per year to raise from a low limit to a 250/500 level
• Drivers under the age of 20 pay higher prices, possibly costing $408 a month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,470 more each year to insure a Jaguar XF
• Increasing physical damage deductibles could save as much as $425 each year