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 insurance. Comprehensive insurance costs approximately $252, collision insurance costs $386, and liability is $478. Buying just liability costs around $526 a year, and insurance for high-risk drivers costs $2,748 or more. Teen 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:
Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all XF models.
Price Range Variability
For a 40-year-old driver, Jaguar XF insurance rates range from as low as $526 for just the minimum liability insurance to the much higher price of $2,748 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates how your location can change auto insurance prices.
The examples above illustrate why everyone should compare rates quotes using their specific location and risk profile, instead of using price 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.
Additional Rate Analysis
The chart below illustrates average Jaguar XF insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $748
- Raising to $1,000 deductibles will save $146 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,274
- Choosing pricier low deductibles will cost an extra $276 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $2,748
- Policy cost for full coverage for a teen driver for full coverage can cost $4,894
Insurance rates for a Jaguar XF also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age
Your home state also has a big influence on Jaguar XF insurance prices. A middle-age driver might find rates as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,720 on average in Florida, New York, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $430 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $430 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Jaguar XF insurance for high-risk drivers is expensive and can cost as much as 43% to 132% more than average. View High Risk Driver Rates
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 Best Jaguar XF Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and violations, maintaining good credit, being claim-free, and possibly raising deductibles. Invest the time to shop around once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief recap of the data that was illustrated above.
- It is possible to save around $150 per year just by quoting online well ahead of the renewal date
- Policyholders who purchase higher liability limits will pay about $530 annually to raise from a 30/60 limit to 250/500 limits
- Teenagers are expensive to insure, possibly costing $408 each month for full coverage
- Higher risk drivers who tend to receive serious violations may pay on average $1,470 more per year for car insurance
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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