Jaguar XF Insurance Rates

Estimated insurance rates for a Jaguar XF are $1,274 a year with full coverage. Comprehensive insurance costs around $252 each year, collision costs $386, and liability is $478. A liability-only policy costs around $526 a year, with high-risk insurance costing $2,748 or more. 16-year-old drivers pay the most at $4,894 a year or more.

Average premium for full coverage: $1,274

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and XF models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than congested cities.

The graphic below illustrates how your location can change auto insurance rates.

These rate differences demonstrate why all drivers should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below details estimated Jaguar XF insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $748
• Raising to $1,000 deductibles will save about $146 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,274
• Buying low deductibles will cost an extra $276 annually
• Drivers with multiple tickets or accidents could pay at least $2,748 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $4,894

View Chart as Image

Auto insurance prices for a Jaguar XF also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $4,800 a year. View Rates by Age

Where you choose to live also has a big influence on Jaguar XF insurance prices. A middle-age driver might find prices as low as $920 a year in states like New Hampshire, Ohio, and Utah, or at least $1,720 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $430 annually, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $430 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 132% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different 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 better rates on insurance for a Jaguar XF consists of having a decent driving record, having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following items are a summary of the data that was illustrated above.

• You may be able to save up to $150 per year simply by quoting online in advance
• Insureds who may need additional liability coverage will pay around $530 every year to raise from 30/60 bodily injury limits to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, possibly costing $408 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,470 more every year than a driver with a clean driving record