Jaguar XF Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Jaguar XF is more expensive to insure compared to the average car.
• Full coverage for a XF generally runs about $197 a month, while liability only car insurance rates average around $81.
• Commonwealth Casualty is the lowest auto insurance carrier for a XF with a national average of just $35 monthly for liability only coverage.

XF Overview

The Jaguar XF is a great mid-level car for drivers of all types, with 2019 models starting at $49,965. With six different trim levels currently offered, there's a style for every driver.

Based on reviewing thousands of insurance quotes from Compare.com, we've found that Jaguar XF car insurance prices average out to about $180 a month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Jaguar XF?

In the table above, you'll find that Jaguar XF insurance premiums are above average. XF drivers can expect to pay around $197 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $81 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other models, the XF is matches the other vehicles in Jaguar's lineup. Likewise, XF coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices coming in at $20 higher than other cars and liability insurance rates at $2 cheaper.

Compared to all vehicles, regardless of model, make, or body style, the XF is slightly lower for liability only auto insurance, but full coverage premiums are more expensive on average.

Who has the Cheapest Car Insurance for a Jaguar XF?

In the market for a car insurance policy for your Jaguar XF? You probably want to know which company offers the most affordable premiums. While rates can differ considerably depending on your driver profile, the most affordable average rates for liability only insurance are as cheap as just $33 monthly from Clearcover. With car insurance as low as just $35 per month, Commonwealth Casualty is the next cheapest insurance carrier.

Infinity, MetLife, and Shelter Mutual finish off the rest of the top 5. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Insurance companies take a wide array of different factors into consideration when offering you rates. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from many auto insurance carriers.

What Factors Affect Car Insurance Rates for a Jaguar XF?

There are lots of things that insurance companies take into account to decide how much to charge for a policy -- and every company weighs certain variables more than others, so there's not a single carrier that's the lowest for everyone.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Jaguar XF has been around for a while, so vehicle age will likely play a role in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually go down.

Based on the information in the table above, the Jaguar XF is not quite in line with this trend, as the cheapest models to insure are those that are 2 to 3 years old, while on average, the most expensive XFs are 11 to 14 years old.

Your Age

How old you are plays a big role in how much you pay for insurance. As you can see above, those with more experience pay less than drivers under 18. Jaguar XF drivers under 18 actually pay $61 more than those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for XF drivers being 65 years and older.

Your Gender

Because women are less likely to get tickets and get into accidents, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. The Jaguar XF is no different, and women pay about 3% less than men a month for auto insurance.

Where You Live

You're probably already aware that things like what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live can matter just as much. Because auto insurance is regulated on the state level and not nationally, premiums can change quite a bit depending on what state you reside in.

For example, the average Jaguar XF owner from New York pays around $183 per month for liability coverage. Meanwhile, the same driver in California will pay less than 50% of that price, on average. The table above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

Jaguar XF Car Insurance Discounts

Whatever what car you drive, where you live, or how old you are, it's always in your best interest to take advantage of as many insurance discounts as possible.

Not every car insurance company will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than by monthly payments
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

While discounts are always a good way to save money on your insurance, sometimes, the best way to get great rates is to work on your overall insurance profile.

Although you can't control every single aspect of your auto insurance profile (like some of the pieces we mentioned above), you can influence some of it. Below are just a few of the variables you can use in your favor when it comes to saving some cash:

Your Driving Record

You've most likely seen ads from car insurance companies offering large savings for responsible drivers. It shouldn't come as a surprise that if you get into a collision or get speeding tickets, auto insurance premiums will get higher. But you still might be left wondering exactly how much these infractions will cost you.

If you look at the table above, you'll notice that accidents will usually cost XF drivers more than tickets, but both will result in higher than average rates. Jaguar XF drivers with one accident on their record pay about $123 a month (up $42 from the $81/mo. overall average), while drivers with a single ticket will pay an average of $112 a month. The rates only go higher the more tickets you get or collisions you have.

How Much You Drive

Another variable that affects your car insurance rates is the amount of miles you drive. Drivers who are on the roads less often are more likely to go accident-free, so they'll normally be offered less expensive prices. In the above table, you can see that Jaguar XF owners who drive 10,000 miles or more pay $88 for insurance, while those who drive fewer than 2,500 miles each year pay an average of $48 monthly.

If you're one of those drivers who don't put very many miles on your Jaguar XF each year, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on how many miles you drove.

How Do Jaguar XFs Compare to Other Vehicles?

If you're considering buying a Jaguar XF, it can pay off to do your research. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering.

Check out the table below to see how the Jaguar XF compares:

Overall, the Jaguar XF has an MSRP that's in line with the going rate for a new vehicle. The XF starts at $49,965, similar to the national average vehicle MSRP of $46,074.

Although the XF has a pretty average price, auto insurance rates are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Jaguar XF is about $48 a month cheaper than average, while liability only coverage is over $30 less per month.

When it comes to usage, Jaguar XF drivers are near the national average in annual miles driven, with 11,617 miles every year for all vehicles compared to the XF's 11,709 per year.

Jaguar XF Car Insurance Costs by Model Year

We've gone over many of the factors that can affect a driver's insurance prices. But if you're in thinking about buying a new car, truck, or SUV and the XF is on your wishlist, knowing what you'll likely pay can be helpful as you consider your options.

2019 Jaguar XF Car Insurance

It costs around $46 a month for liability or $121 for a full coverage policy for the 2019 XF.

We found Shelter Mutual offered the lowest policy, with rates sometimes as low as $37 monthly.

If you want to know exactly how much you can expect to pay for your XF, get free quotes in minutes by just entering your ZIP code below.

2018 Jaguar XF Car Insurance

On average, drivers who own a 2018 Jaguar XF can expect to pay $123 to $293 a month for liability only and full coverage auto insurance, respectively.

With prices as cheap as $22 monthly, Clearcover offered the cheapest policy we found.

Interested in what your insurance price could look like? Get multiple free personalized quotes by just entering your ZIP code below.

2017 Jaguar XF Car Insurance

The average cost to insure a 2017 XF with liability only coverage is $47 per month, while full coverage runs about $174 monthly.

Looking for the most affordable policy? Mercury offered liability only coverage for as low as $20 a month.

These average premiums are a great starting point if you're in the market for a 2017 Jaguar XF, but there are a whole range of variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2016 Jaguar XF Car Insurance

You can expect full coverage for a 2016 Jaguar XF to run around $199 per month, while liability only coverage will average about $75 a month.

If you're looking for the cheapest possible 2016 Jaguar XF insurance policy, Commonwealth Casualty offered the cheapest policy we found, with rates sometimes as cheap as $34 monthly.

What will your auto insurance premium be? Just enter your ZIP code below to get lots of free personalized quotes.

2015 Jaguar XF Car Insurance

2015 XF drivers can expect to pay an average of $92 per month for liability or $201 for full coverage.

Clearcover offered the lowest policy we found, with rates as little as $43 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

2014 Jaguar XF Car Insurance

The average cost to insure a 2014 Jaguar XF with liability only coverage is $77 a month, while full coverage runs around $238 per month.

MetLife has rates as little as just $18 a month for the 2014 Jaguar XF.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2013 Jaguar XF Car Insurance

On average, drivers who own a 2013 XF can expect to pay $77 to $195 per month for liability only and full coverage insurance, respectively.

With premiums sometimes as little as $28 monthly, Commonwealth Casualty offered the most affordable policy we found for the 2013 Jaguar XF.

Want to know exactly how much you'll pay? Get a variety of personalized quotes for free by just entering your ZIP code below.

2012 Jaguar XF Car Insurance

2012 Jaguar XF drivers can expect to pay an average of $66 per month for liability or $188 for full coverage.

If you're looking for the lowest possible 2012 Jaguar XF insurance policy, Elephant offered the cheapest policy we found, with rates as low as just $22 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

2011 Jaguar XF Car Insurance

It costs about $90 monthly for liability or $195 for a full coverage policy for the 2011 XF.

We found Safeco offered the lowest policy, with rates sometimes as cheap as $26 per month.

While these are good estimates of what the average driver might pay to insure a 2011 Jaguar XF, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2010 Jaguar XF Car Insurance

You can expect full coverage for a 2010 Jaguar XF to run around $191 a month, while liability only coverage will average about $66 monthly.

Looking for the most affordable policy? Oasis offered liability only coverage for sometimes as low as $18 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2010 Jaguar XF, you can get free quotes in minutes by just entering your ZIP code below.

Jaguar XF Insurance FAQs

Is a Jaguar XF expensive to insure?

Liability insurance runs an average of $81 monthly, while full coverage will cost you around $197. It costs more to insure a Jaguar XF when compared to the average vehicle.

How can I get the best price on car insurance for my Jaguar XF?

The only way to make sure you're getting the lowest price on insurance is to regularly shop around and compare quotes from a bunch of carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Jaguar XF affect my insurance premiums?

You might have heard the old adage that red cars cost more to insure, but that's simply not true. Although there are several factors car insurance carriers use when they offer rates, the color of your Jaguar XF is not used to make that determination.

Do I need to have insurance before I buy a Jaguar XF?

Before you can legally drive your new (or new to you) XF off the dealership lot, you'll need to have valid auto insurance for it. As part of the buying process, some dealerships may offer you a car insurance policy, but the easiest thing to do is to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Jaguar XF?

There are a bunch of discounts out there for auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your car and more on you, but if your XF has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. To find out which discounts you might receive, get in touch with your insurance company and ask about their list of discounts, since they fluctuate quite a bit from carrier to carrier.