- Jaguar XF insurance rates average $2,042 per year or around $170 per month, depending on the trim level.
- The Jaguar XF is one of the cheaper 2023 midsize luxury cars to insure, costing $260 less per year on average when compared to other midsize luxury cars
- With the cheapest insurance rates, the Jaguar XF S trim level costs an estimated $1,992 per year to insure.
- At the high end, the XF R-Dynamic SE is the most expensive to insure at $2,082 per year.
How much does Jaguar XF insurance cost?
Car insurance cost for the Jaguar XF averages $2,042 per year for full coverage. Depending on the trim level being insured, average monthly car insurance cost for a 2023 Jaguar XF ranges from $166 to $174.
When policy cost is split out into individual coverages, collision coverage will cost approximately $922 a year, comprehensive (or other-than-collision) coverage will cost approximately $536, and the remaining liability/medical is around $584.
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 $1,526 per year for a driver age 60 with deductibles of $1,000 to the more expensive rate of $4,712 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 $350 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 $321 per year over a rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $372 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 $2,452 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 $528 per year. Serious moving violations such as reckless driving could raise rates by an additional $1,846 or more.
- Increasing deductibles makes car insurance cheaper. Increasing your deductibles from $500 to $1,000 could save around $334 per year for a 40-year-old driver and $642 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 $342 per year for a 40-year-old driver and $674 per year for a 20-year-old driver.
- Rates tend to decrease as driver age increases. The difference in 2023 Jaguar XF insurance cost between a 60-year-old driver ($1,820 per year) and a 30-year-old driver ($2,154 per year) is $334, or a savings of 16.8%.
- 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 $61 and $183 on your annual XF insurance cost, subject to policy limits.
How does Jaguar XF insurance cost rank?
The Jaguar XF ranks 10th out of 38 total comparison vehicles in the 2023 midsize luxury car class. The XF costs an estimated $2,042 per year for insurance, while the class average is $2,302 per year, a difference of only $260 per year.
When compared to the best-selling models in the midsize luxury car segment, Jaguar XF car insurance costs $90 more per year than the Lexus ES 350, $138 less than the BMW 530i, $484 less than the Infiniti Q50, and $10 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.
Rank | Make/Model | Insurance Cost | Difference |
---|---|---|---|
1 | Cadillac CT5 | $1,948 | -$94 |
2 | Lexus ES 350 | $1,952 | -$90 |
3 | Lexus ES 250 | $1,966 | -$76 |
4 | Lexus RC 300 | $1,970 | -$72 |
5 | Mercedes-Benz AMG CLA35 | $1,974 | -$68 |
6 | Audi A3 | $1,980 | -$62 |
7 | Mercedes-Benz AMG CLA45 | $2,018 | -$24 |
8 | Mercedes-Benz CLA250 | $2,032 | -$10 |
9 | Lexus IS 300 | $2,040 | -$2 |
10 | Jaguar XF | $2,042 | -- |
11 | Audi S4 | $2,084 | $42 |
12 | BMW i4 | $2,096 | $54 |
13 | Mercedes-Benz E350 | $2,110 | $68 |
14 | Lexus ES 300h | $2,138 | $96 |
15 | BMW 530i | $2,180 | $138 |
16 | Audi A6 | $2,222 | $180 |
17 | Audi S5 | $2,226 | $184 |
18 | BMW 540i | $2,230 | $188 |
19 | BMW 430i | $2,266 | $224 |
20 | Lexus IS 500 | $2,272 | $230 |
21 | Mercedes-Benz E450 | $2,292 | $250 |
22 | Genesis G80 | $2,298 | $256 |
23 | Mercedes-Benz CLS450 | $2,358 | $316 |
24 | Mercedes-Benz EQE 350 | $2,374 | $332 |
25 | Audi RS 5 | $2,380 | $338 |
26 | BMW 530e | $2,396 | $354 |
27 | Audi S6 | $2,416 | $374 |
28 | Mercedes-Benz AMG C43 | $2,420 | $378 |
29 | BMW M440i | $2,424 | $382 |
30 | Mercedes-Benz EQE 500 | $2,428 | $386 |
31 | Audi A7 | $2,522 | $480 |
32 | Infiniti Q50 | $2,526 | $484 |
33 | Lexus LC 500h | $2,710 | $668 |
34 | BMW M550i | $2,714 | $672 |
35 | Tesla Model S | $2,778 | $736 |
36 | Audi S7 | $2,796 | $754 |
37 | BMW M5 | $2,876 | $834 |
38 | BMW M8 | $3,034 | $992 |
What is the cheapest Jaguar XF car insurance?
The cheapest Jaguar XF insurance can be found on the base S trim (MSRP of $47,000) costing $1,992 per year and the SE trim (MSRP of $49,300) costing an average of $2,046.
The $52,700 R-Dynamic SE trim is the most expensive to insure, costing an average of $90 more per year than the cheapest S model.
The rate table below displays average auto insurance policy rates for the Jaguar XF, including a monthly budget figure, for each different model.
Jaguar XF Trim Level | Annual Policy | Six-Month Policy | Per Month |
---|---|---|---|
S | $1,992 | $996 | $166 |
SE | $2,046 | $1,023 | $171 |
R-Dynamic SE | $2,082 | $1,041 | $174 |
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 2023 model. For example, insurance rates for a 2013 XF model cost around $522 less than a 2023 model. If you prefer a little newer vehicle, a 2018 Jaguar XF would cost around $108 less to insure per year than a new model.
The following table illustrates average Jaguar XF car insurance rates for the 2013 to 2023 model years. Yearly policy costs range from the cheapest rate of $1,520 for a 2013 Jaguar XF to the most expensive rate of $2,042 for a 2023 XF.
Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
---|---|---|---|
2023 Jaguar XF | $2,042 | $1,021 | $170 |
2022 Jaguar XF | $2,230 | $1,115 | $186 |
2021 Jaguar XF | $2,184 | $1,092 | $182 |
2020 Jaguar XF | $2,174 | $1,087 | $181 |
2019 Jaguar XF | $2,004 | $1,002 | $167 |
2018 Jaguar XF | $1,934 | $967 | $161 |
2017 Jaguar XF | $1,826 | $913 | $152 |
2016 Jaguar XF | $1,758 | $879 | $147 |
2015 Jaguar XF | $1,826 | $913 | $152 |
2014 Jaguar XF | $1,716 | $858 | $143 |
2013 Jaguar XF | $1,520 | $760 | $127 |