Are Jaguar XFs Expensive to Insure? [Rates + Coverage Guide]

Average auto insurance rates for a Jaguar XF cost $1,766 a year, or around $147 a month. Comprehensive, collision, and liability insurance cost around $430, $628, and $498, respectively.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Full Bio →

Written by

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Key takeaways:

  • Full coverage costs around $1,766 a year or $147 each month
  • A liability-only policy costs around $708 a year or $59 each month
  • Highest rates are for teenage drivers at around $6,455 a year or $538 each month
  • Good drivers can save as much as $728 a year by earning policy discounts
  • Jaguar XF insurance costs around $247 more per year than the average vehicle

Jaguar XF insurance rates can be expensive. Jaguar XF insurance costs around $247 more per year than the average vehicle. Read our comprehensive guide to learn what factors affect these rates and what you can do to earn lower rates.

You can start comparing quotes for Jaguar XF car insurance rates from some of the best car insurance companies by using our free online tool now.

Jaguar XF Insurance Cost

The average Jaguar XF auto insurance rates are $1,766 a year or $147 a month.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Are Jaguar XFs Expensive to Insure?

The chart below details how Jaguar XF insurance rates compare to other luxury cars like the Mercedes-Benz CLS 550, Audi S7, and Jaguar XE.

Vehicle Comprehensive Collision Liability Total
Jaguar XF $406 $804 $398 $1,766
Mercedes-Benz CLS 550 $432 $952 $398 $1,940
Audi S7 $532 $1250 $398 $2,338
Jaguar XE $382 $774 $398 $1,712
Porsche Panamera $520 $1042 $398 $2,118
Cadillac CTS-V $406 $804 $338 $1,684
Mercedes-Benz E300 $394 $744 $338 $1,612
Compare RatesStart Now →

However, there are a few things you can do to find the cheapest Jaguar insurance rates online.

What Impacts the Cost of Jaguar XF Insurance?

The Jaguar XF trim and model you choose can impact the total price you will pay for Jaguar XF insurance coverage.

Age of the Vehicle

Older Jaguar XF models generally cost less to insure. For example, auto insurance rates for a 2018 Jaguar XF are $1,766, while 2010 Jaguar XF rates are $1,398, a difference of $368.

Model Year Comprehensive Collision Liability Total
2018 Jaguar XF $406 $804 $398 $1,766
2017 Jaguar XF $394 $784 $416 $1,752
2016 Jaguar XF $380 $752 $430 $1,720
2015 Jaguar XF $358 $726 $442 $1,684
2014 Jaguar XF $344 $674 $452 $1,628
2013 Jaguar XF $332 $634 $456 $1,580
2012 Jaguar XF $318 $568 $460 $1,504
2011 Jaguar XF $296 $522 $460 $1,436
2010 Jaguar XF $286 $490 $464 $1,398
Compare RatesStart Now →

Driver Age

Driver age can have a significant impact on the cost of Jaguar XF auto insurance. For example, 20-year-old drivers pay as much as $2,238 more each year for their Jaguar XF auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Jaguar XF insurance rates. For example, drivers in Jacksonville may pay $1,060 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Jaguar XF car insurance. Teens and drivers in their 20’s see the highest jump in their Jaguar XF car insurance with violations on their driving record.

Jaguar XF Safety Ratings

The Jaguar XF’s safety ratings will affect your Jaguar XF car insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
Compare RatesStart Now →

Jaguar XF Crash Test Ratings

Good Jaguar XF crash test ratings can lower your Jaguar XF auto insurance rates. See Jaguar XF crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Jaguar XF Sportbrake 5HB AWD N/R N/R N/R N/R
2020 Jaguar XF 4 DR RWD N/R N/R N/R N/R
2020 Jaguar XF 4 DR AWD N/R N/R N/R N/R
2019 Jaguar XF Sportbrake SW AWD N/R N/R N/R N/R
2019 Jaguar XF 4 DR RWD N/R N/R N/R N/R
2019 Jaguar XF 4 DR AWD N/R N/R N/R N/R
2018 Jaguar XF Sportbrake 5 HB AWD N/R N/R N/R N/R
2018 Jaguar XF 4 DR RWD N/R N/R N/R N/R
2018 Jaguar XF 4 DR AWD N/R N/R N/R N/R
2017 Jaguar XF 4 DR RWD N/R N/R N/R N/R
2017 Jaguar XF 4 DR AWD N/R N/R N/R N/R
2016 Jaguar XF 4 DR RWD N/R N/R N/R N/R
2016 Jaguar XF 4 DR AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Compare RatesStart Now →

Jaguar XF Safety Features

The Jaguar XF safety features can help lower insurance costs. The 2020 Jaguar XF has the following safety features:

  • 360° Surround Camera
  • Stereo Vision Camera and Autonomous Emergency Braking
  • Advanced Parking Aids
  • Traffic Sign Recognition with Adaptive Speed Limiter
  • Lane Keep Assist and Driver Condition Monitor
  • Blind Spot Assist and Reverse Traffic Detection

Jaguar XF Insurance Loss Probability

The lower percentage means lower Jaguar XF car insurance rates; higher percentages mean higher Jaguar XF auto insurance rates. Insurance loss probability on the Jaguar XF fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 69%
Property Damage 1%
Comprehensive 91%
Personal Injury -2%
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
Compare RatesStart Now →

Jaguar XF Finance and Insurance Cost

If you are financing a Jaguar XF, most lenders will require your carry higher Jaguar XF coverage options including comprehensive coverage, so be sure to shop around and compare Jaguar XF auto insurance rates from the best companies using our FREE tool below.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Ways to Save on Jaguar XF Insurance

Save more on your Jaguar XF car insurance rates. Take a look at the following five strategies that will get you the best Jaguar XF auto insurance rates possible.

  • Ask Your Insurance Company About Jaguar XF Discounts
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Jaguar XF
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Start Searching for New Jaguar XF Car Insurance a Month Before Your Renewal
  • Use Paperless Billing for Your Jaguar XF Insurance Policy

Top Jaguar XF Insurance Companies

Who is the best auto insurance company for Jaguar XF insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Jaguar XF auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Jaguar XF offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
Compare RatesStart Now →

Compare Free Jaguar XF Insurance Quotes Online

Start comparing Jaguar XF auto insurance quotes for free by using our FREE online comparison tool.

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption