Jaguar XF Insurance Rates
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UPDATED: Apr 18, 2024
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The average insurance rates for a Jaguar XF are $1,274 a year for full coverage. Comprehensive insurance costs on average $252, collision insurance costs $386, and liability costs around $478. Liability-only insurance costs as low as $526 a year, and high-risk driver insurance costs $2,748 or more. 16-year-old drivers cost the most to insure at up to $4,894 a year.
Average premium for full coverage: $1,274
Policy rates by type of insurance:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all XF models.
Price Range Variability
For a driver around age 40, Jaguar XF insurance rates range from the low end price of $526 for basic liability insurance to the much higher price of $2,748 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above show why everyone should compare prices based on a specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Jaguar XF insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $748
- Using higher $1,000 deductibles will save around $146 a year
- The estimated price for a good driver age 40 with $500 deductibles is $1,274
- Buying pricier low deductibles for physical damage coverage will cost an additional $276 annually
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,748
- Policy cost that insures a 16-year-old driver for full coverage may cost $4,894 or more
Auto insurance rates for a Jaguar XF also range considerably based on the model of your XF, how you drive, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Jaguar XF insurance for high-risk drivers can be from 43% to 132% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $4,800 a year. View Rates by Age
Your home state has a huge impact on Jaguar XF insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Idaho, Maine, and Iowa, or at least $1,820 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,152 | -$122 | -9.6% |
| Alaska | $976 | -$298 | -23.4% |
| Arizona | $1,056 | -$218 | -17.1% |
| Arkansas | $1,274 | -$0 | 0.0% |
| California | $1,450 | $176 | 13.8% |
| Colorado | $1,216 | -$58 | -4.6% |
| Connecticut | $1,308 | $34 | 2.7% |
| Delaware | $1,440 | $166 | 13.0% |
| Florida | $1,592 | $318 | 25.0% |
| Georgia | $1,174 | -$100 | -7.8% |
| Hawaii | $912 | -$362 | -28.4% |
| Idaho | $862 | -$412 | -32.3% |
| Illinois | $950 | -$324 | -25.4% |
| Indiana | $958 | -$316 | -24.8% |
| Iowa | $858 | -$416 | -32.7% |
| Kansas | $1,212 | -$62 | -4.9% |
| Kentucky | $1,738 | $464 | 36.4% |
| Louisiana | $1,884 | $610 | 47.9% |
| Maine | $786 | -$488 | -38.3% |
| Maryland | $1,050 | -$224 | -17.6% |
| Massachusetts | $1,020 | -$254 | -19.9% |
| Michigan | $2,214 | $940 | 73.8% |
| Minnesota | $1,064 | -$210 | -16.5% |
| Mississippi | $1,526 | $252 | 19.8% |
| Missouri | $1,130 | -$144 | -11.3% |
| Montana | $1,368 | $94 | 7.4% |
| Nebraska | $1,004 | -$270 | -21.2% |
| Nevada | $1,526 | $252 | 19.8% |
| New Hampshire | $918 | -$356 | -27.9% |
| New Jersey | $1,424 | $150 | 11.8% |
| New Mexico | $1,126 | -$148 | -11.6% |
| New York | $1,340 | $66 | 5.2% |
| North Carolina | $732 | -$542 | -42.5% |
| North Dakota | $1,042 | -$232 | -18.2% |
| Ohio | $880 | -$394 | -30.9% |
| Oklahoma | $1,308 | $34 | 2.7% |
| Oregon | $1,166 | -$108 | -8.5% |
| Pennsylvania | $1,216 | -$58 | -4.6% |
| Rhode Island | $1,698 | $424 | 33.3% |
| South Carolina | $1,154 | -$120 | -9.4% |
| South Dakota | $1,074 | -$200 | -15.7% |
| Tennessee | $1,116 | -$158 | -12.4% |
| Texas | $1,536 | $262 | 20.6% |
| Utah | $944 | -$330 | -25.9% |
| Vermont | $872 | -$402 | -31.6% |
| Virginia | $762 | -$512 | -40.2% |
| Washington | $984 | -$290 | -22.8% |
| West Virginia | $1,166 | -$108 | -8.5% |
| Wisconsin | $880 | -$394 | -30.9% |
| Wyoming | $1,136 | -$138 | -10.8% |
Opting for high physical damage deductibles could cut rates by as much as $430 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $430 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Jaguar XF Luxury 4-Dr Sedan | $1,230 | $103 |
| Jaguar XF Premium 4-Dr Sedan | $1,252 | $104 |
| Jaguar XF Supercharged 4-Dr Sedan | $1,296 | $108 |
| Jaguar XF R 4-Dr Sedan | $1,338 | $112 |
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 | $444 | $844 | $372 | $1,818 |
| 2023 Jaguar XF | $424 | $810 | $390 | $1,782 |
| 2022 Jaguar XF | $406 | $804 | $398 | $1,766 |
| 2021 Jaguar XF | $394 | $784 | $416 | $1,752 |
| 2020 Jaguar XF | $380 | $752 | $430 | $1,720 |
| 2019 Jaguar XF | $358 | $726 | $442 | $1,684 |
| 2018 Jaguar XF | $344 | $674 | $452 | $1,628 |
| 2017 Jaguar XF | $332 | $634 | $456 | $1,580 |
| 2016 Jaguar XF | $318 | $568 | $460 | $1,504 |
| 2015 Jaguar XF | $296 | $522 | $460 | $1,436 |
| 2014 Jaguar XF | $286 | $490 | $464 | $1,398 |
| 2013 Jaguar XF | $280 | $458 | $474 | $1,370 |
| 2012 Jaguar XF | $258 | $424 | $474 | $1,314 |
| 2011 Jaguar XF | $252 | $386 | $478 | $1,274 |
| 2010 Jaguar XF | $234 | $354 | $474 | $1,220 |
| 2009 Jaguar XF | $220 | $320 | $474 | $1,172 |
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 Right Jaguar XF Insurance
Finding cheaper rates on insurance for a Jaguar XF requires being a low-risk driver, maintaining a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The items below are a quick rundown of the information covered above.
- Drivers can save as much as $150 per year just by quoting online well ahead of the renewal date
- Teen drivers are charged the highest rates, costing up to $408 each month if the policy includes full coverage
- Increasing comprehensive and collision deductibles can save approximately $425 each year
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,470 more each year to insure their XF
- Insureds who require more liability coverage will pay around $530 each year to increase from a 30/60 limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,894 |
| 20 | $2,914 |
| 30 | $1,314 |
| 40 | $1,274 |
| 50 | $1,166 |
| 60 | $1,140 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,550 |
| $250 | $1,424 |
| $500 | $1,274 |
| $1,000 | $1,128 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,274 |
| 50/100 | $1,434 |
| 100/300 | $1,553 |
| 250/500 | $1,864 |
| 100 CSL | $1,481 |
| 300 CSL | $1,744 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,952 |
| 20 | $4,646 |
| 30 | $2,790 |
| 40 | $2,748 |
| 50 | $2,624 |
| 60 | $2,598 |
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 | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $89 |
| Total Discounts | $526 |
Discounts are estimated and may not be available from every company or in every state.
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