Why You’re Paying Too Much for Jaguar XF Insurance

• Jaguar XF insurance rates average $2,476 per year or around $206 per month, depending on the trim level.
• The Jaguar XF is one of the cheaper 2024 midsize luxury cars to insure, costing $398 less per year on average when compared to other midsize luxury cars
• With the cheapest insurance rates, the Jaguar XF R-Dynamic SE P250 trim level costs an estimated $2,406 per year to insure.
• At the high end, the XF R-Dynamic SE P300 is the most expensive to insure at $2,548 per year.

How much does Jaguar XF insurance cost?

Car insurance cost for the Jaguar XF averages $2,476 per year for full coverage. Depending on the trim level being insured, average monthly car insurance cost for a 2024 Jaguar XF ranges from $201 to $212.

When policy cost is split out into individual coverages, collision coverage will cost approximately $1,206 a year, comprehensive (or other-than-collision) coverage will cost approximately $650, and the remaining liability/medical is around $620.

The chart below details how average Jaguar XF car insurance rates vary depending on driver age and physical damage deductibles. Insurance cost averages range from the cheapest policy cost of $1,708 per year for a driver age 60 with deductibles of $1,000 to the more expensive rate of $5,842 each year for a 20-year-old driver with low deductibles.

A few additional important insights concerning XF insurance cost include:

• Research discounts to save money. Discounts may be available if the insured drivers work in certain occupations, belong to certain professional organizations, are claim-free, are away-from-home students, take a defensive driving course, or many other discounts which could save the average driver as much as $416 per year on the cost of insuring a XF.
• Cheaper rates come with better credit scores. Having a high credit score of 800+ may save $389 per year over a rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $451 more per year.
• High risk insurance is expensive. For a 30-year-old driver, having to buy a high-risk policy due to excessive accidents and/or violations can increase the cost by $3,020 or more per year.
• Obey driving laws to save money. If you want to get the cheapest price for XF insurance rates, it pays to follow traffic laws. Just one or two minor driving offenses could increase the cost of a policy by up to $652 per year. Serious moving violations such as reckless driving could raise rates by an additional $2,278 or more.
• Increasing deductibles makes car insurance cheaper. Increasing your deductibles from $500 to $1,000 could save around $420 per year for a 40-year-old driver and $824 per year for a 20-year-old driver.
• Lowering deductibles makes car insurance more expensive. Dropping your physical damage deductibles from $500 to $250 could cost an additional $440 per year for a 40-year-old driver and $872 per year for a 20-year-old driver.
• Rates tend to decrease as driver age increases. The difference in 2024 Jaguar XF insurance cost between a 60-year-old driver ($2,048 per year) and a 30-year-old driver ($2,652 per year) is $604, or a savings of 25.7%.
• Your job could save you a few bucks. Just about all auto insurance providers offer discounts for certain professions like emergency medical technicians, accountants, members of the military, farmers, police officers and law enforcement, firefighters, and others. By qualifying for an occupational discount, you could save between $74 and $228 on your annual XF insurance cost, subject to policy limits.

How does Jaguar XF insurance cost rank?

The Jaguar XF ranks sixth out of 34 total comparison vehicles in the 2024 midsize luxury car class. The XF costs an estimated $2,476 per year for insurance, while the class average is $2,874 per year, a difference of only $398 per year.

When compared to the best-selling models in the midsize luxury car segment, Jaguar XF car insurance costs $30 more per year than the Lexus ES 350, $372 less than the BMW 530i, $174 less than the Infiniti Q50, and $66 more than the Mercedes-Benz CLA250.

The table below shows how average car insurance rates for the Jaguar XF compare to the rest of the mid-size luxury car segment. Each model is ranked for insurance affordability, and the insurance cost difference is shown for each model and the XF.

What is the cheapest Jaguar XF car insurance?

The cheapest Jaguar XF insurance can be found on the base R-Dynamic SE P250 trim (MSRP of $49,800) costing $2,406 per year and the R-Dynamic SE P300 trim (MSRP of $53,500) costing an average of $2,548.

The $53,500 R-Dynamic SE P300 trim is the most expensive to insure, costing an average of $142 more per year than the cheapest R-Dynamic SE P250 model.

The rate table below displays average auto insurance policy rates for the Jaguar XF, including a monthly budget figure, for each different model.

How much is insurance on a used Jaguar XF?

Buying car insurance on a used XF will definitely safe money over the cost of insuring a new 2024 model. For example, insurance rates for a 2013 XF model cost around $654 less than a 2024 model. If you prefer a little newer vehicle, a 2018 Jaguar XF would cost around $122 less to insure per year than a new model.

The following table illustrates average Jaguar XF car insurance rates for the 2013 to 2024 model years. Yearly policy costs range from the cheapest rate of $1,822 for a 2013 Jaguar XF to the most expensive rate of $2,476 for a 2024 XF.