Jaguar XF Car Insurance Cost 2025
Getting insurance for a Jaguar XF costs an average of $1,900 per year. However, the exact cost can vary depending on factors such as your age, the model year of the car, location, driving history, and the coverage options you select. To get a more accurate estimate of your specific costs, you can use our quote tables below to compare rates from different providers.
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The average cost to insure a Jaguar XF typically falls between $1,900 and $2,300 per year, depending on your location, age, driving history, and the coverage options you choose.
As a luxury midsize sedan, the XF carries a higher insurance price tag than many standard vehicles, mainly due to its premium parts and performance features. Insurers also consider factors like repair costs, theft rates, and safety ratings when setting premiums.
While coverage for the XF isn’t the most expensive in its class, it’s certainly above average. Comparing quotes from multiple insurers can help you secure the best possible rate.
How Much Does Jaguar XF Car Insurance Cost?
Typically, Jaguar XF drivers can expect to pay an average of $1,900 per year for car insurance. However, this rate can vary depending on factors like your location, driving history, and coverage choices.
The cost of car insurance can fluctuate due to several factors such as location, driving history, car model, and the coverage you choose. A clean driving record typically results in lower premiums, while violations or accidents may lead to higher costs.
Living in an area with heavy traffic, such as a big city, can also lead to higher insurance rates, compared to rural areas with less traffic. The type of coverage you choose plays a role as well – comprehensive insurance usually costs more than basic liability coverage.
For a Jaguar XF, the insurance cost tends to be higher compared to other Jaguar models. It’s also more expensive than the average insurance cost for all cars. However, with Insuranceopedia, you can compare quotes from various providers to find the best option for your needs.
| Vehicle | Average Monthly Premium |
| Jaguar XF | $198 |
| All Jaguar | $193 |
| All Cars | $175 |
Average Insurance Cost Of Jaguar XF By Model Year
| Model Year | Average Premium |
| 2025 Jaguar XF | $2,502 |
| 2022 Jaguar XF | $3,108 |
| 2021 Jaguar XF | $5,356 |
| 2020 Jaguar XF | $1,953 |
| 2019 Jaguar XF | $1,800 |
| 2018 Jaguar XF | $1,619 |
| 2017 Jaguar XF | $1,474 |
| 2016 Jaguar XF | $975 |
| 2015 Jaguar XF | $842 |
| 2014 Jaguar XF | $1,420 |
| 2013 Jaguar XF | $1,101 |
| 2012 Jaguar XF | $1,191 |
| 2011 Jaguar XF | $1,027 |
| 2010 Jaguar XF | $892 |
2025 Jaguar XF Insurance Rates
The average annual insurance cost for a 2025 Jaguar XF is $2,502. However, Nationwide offers the cheapest rates, averaging $1,736 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $2,235 |
| Erie Insurance | $1,997 |
| USAA | $1,943 |
| Vermont Mutual | $1,939 |
| Nationwide | $1,736 |
| State Farm | $2,045 |
| Progressive | $2,975 |
| GEICO | $2,845 |
| Allstate | $3,450 |
| Farmers Insurance | $3,850 |
2022 Jaguar XF Insurance Rates
The average annual insurance cost for a 2022 Jaguar XF is $3,108. However, SECURA Insurance offers the cheapest rates, averaging $1,717 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $3,752 |
| Chubb | $3,435 |
| Hastings Mutual Insurance Co | $2,559 |
| Mercury | $3,567 |
| SafeAuto | $3,707 |
| New Jersey Manufacturers | $1,921 |
| Erie | $3,170 |
| SECURA Insurance | $1,717 |
| Penn National | $3,054 |
| MEEMIC Insurance Company | $4,195 |
2021 Jaguar XF Insurance Rates
The average annual insurance cost for a 2021 Jaguar XF is $5,356. However, Mercury offers the cheapest rates, averaging $2,992 per year.
| Insurance Provider | Average Annual Cost |
| Allstate | $6,384 |
| Direct General Insurance | $8,207 |
| Metropolitan | $6,629 |
| Allied | $3,408 |
| Mercury | $2,992 |
| State Farm | $4,040 |
| United Automobile Ins Group | $5,832 |
2020 Jaguar XF Insurance Rates
The average annual insurance cost for a 2020 Jaguar XF is $1,953. However, Mercury offers the cheapest rates, averaging $1,982 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,982 |
| Hartford | $2,567 |
| State Farm | $2,185 |
| Esurance | $1,506 |
| Allied | $1,963 |
| Travelers | $1,912 |
| Country | $2,052 |
| California Capital | $1,925 |
| Capital Insurance Group | $1,535 |
| USAA | $1,905 |
2019 Jaguar XF Insurance Rates
The average annual insurance cost for a 2019 Jaguar XF is $1,800. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,049 per year.
| Insurance Provider | Average Annual Cost |
| Nationwide | $1,813 |
| ACCC Insurance Company | $1,884 |
| California Capital | $1,986 |
| Erie | $2,023 |
| State Farm | $2,109 |
| Country | $1,610 |
| Georgia Farm Bureau | $1,899 |
| Mercury | $2,104 |
| Texas Farm Bureau Group | $1,049 |
| National General | $1,522 |
2018 Jaguar XF Insurance Rates
The average annual insurance cost for a 2018 Jaguar XF is $1,619. However, Safeco offers the cheapest rates, averaging $1,013 per year.
| Insurance Provider | Average Annual Cost |
| Cincinnati Insurance | $1,935 |
| Texas Farm Bureau Group | $1,244 |
| Mississippi Farm Bureau | $2,014 |
| Country | $2,044 |
| National General | $1,528 |
| Shelter | $1,961 |
| Safeco | $1,013 |
| Direct General Insurance | $1,013 |
| Virginia Farm Bureau | $1,386 |
| Auto-Owners Insurance Co | $2,050 |
2017 Jaguar XF Insurance Rates
The average annual insurance cost for a 2017 Jaguar XF is $1,474. However, Mercury Insurance offers the cheapest rates, averaging $568 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,705 |
| New York Central Mutual Fire | $947 |
| Mercury Insurance | $568 |
| Kemper Auto | $1,367 |
| Oregon Mutual | $1,752 |
| PEMCO | $1,795 |
| Safeco | $1,002 |
| Capital Insurance Group | $1,709 |
| National General Value | $2,131 |
| Cincinnati Insurance | $1,768 |
2016 Jaguar XF Insurance Rates
The average annual insurance cost for a 2016 Jaguar XF is $975. However, Safeco offers the cheapest rates, averaging $194 per year.
| Insurance Provider | Average Annual Cost |
| Plymouth Rock | $1,195 |
| Buckeye Insurance Group | $681 |
| Hastings Mutual Insurance Co | $1,232 |
| Mercury Insurance | $1,133 |
| Texas Farm Bureau Group | $1,246 |
| Kemper Auto | Infinity | $498 |
| Safeco | $194 |
| SECURA Insurance | $1,166 |
| Western Reserve | $1,210 |
| National General RAD | $1,194 |
2015 Jaguar XF Insurance Rates
The average annual insurance cost for a 2015 Jaguar XF is $842. However, Mercury Insurance offers the cheapest rates, averaging $307 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $307 |
| Direct Auto | $929 |
| Capital Insurance Group | $938 |
| Safeco | $537 |
| SafeAuto | $720 |
| Dairyland Broadform | $1,347 |
| National General Value | $829 |
| NatGen PPA | $971 |
| Dairyland FR Bond | $1,149 |
| American National P | $690 |
Find Affordable Jaguar XF Insurance Rates
2014 Jaguar XF Insurance Rates
The average annual insurance cost for a 2014 Jaguar XF is $1,420. However, SECURA Insurance offers the cheapest rates, averaging $983 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $983 |
| Capital Insurance Group | $1,102 |
| Pekin Insurance | $1,721 |
| Rockford Mutual Insurance | $1,623 |
| Rural Mutual Insurance | $1,224 |
| First Chicago Insurance | $1,843 |
| West Bend Mutual | $1,188 |
| Country | $1,732 |
| Mercury Insurance | $1,132 |
| Liberty Mutual | $1,650 |
2013 Jaguar XF Insurance Rates
The average annual insurance cost for a 2013 Jaguar XF is $1,101. However, New York Central Mutual Fire offers the cheapest rates, averaging $651 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Mutual (IA Group) | $1,357 |
| SECURA Insurance | $928 |
| SafeAuto | $909 |
| Penn National | $1,318 |
| Buckeye Insurance Group | $1,268 |
| North Carolina Farm Bureau | $1,075 |
| Kentucky Farm Bureau | $1,144 |
| Plymouth Rock Assurance | $1,389 |
| Pekin Insurance | $967 |
| New York Central Mutual Fire | $651 |
2012 Jaguar XF Insurance Rates
The average annual insurance cost for a 2012 Jaguar XF is $1,191. However, Safeco offers the cheapest rates, averaging $193 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $594 |
| SECURA Insurance | $1,721 |
| Western Reserve | $1,438 |
| Safeco | $193 |
| Central Mutual Insurance Co | $1,952 |
| Buckeye Insurance Group | $1,081 |
| American National P | $599 |
| Liberty Mutual | $1,442 |
| Southern Farm Bureau | $1,155 |
| Direct Auto | $1,739 |
2011 Jaguar XF Insurance Rates
The average annual insurance cost for a 2011 Jaguar XF is $1,027. However, Buckeye Insurance Group offers the cheapest rates, averaging $753 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $1,052 |
| Ohio Mutual Ins Group | $1,322 |
| GMAC Insurance Group | $1,090 |
| Wolverine Mutual | $1,302 |
| Western Reserve | $1,237 |
| Buckeye Insurance Group | $753 |
| West Bend Mutual | $1,209 |
| Texas Farm Bureau Group | $1,077 |
| North Carolina Farm Bureau | $902 |
| Safeco | $329 |
2010 Jaguar XF Insurance Rates
The average annual insurance cost for a 2010 Jaguar XF is $892. However, New York Central Mutual Fire offers the cheapest rates, averaging $511 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $970 |
| Southern Farm Bureau | $1,011 |
| Celina Insurance Group | $1,236 |
| New York Central Mutual Fire | $511 |
| Liberty Mutual | $566 |
| Buckeye Insurance Group | $739 |
| American National P | $543 |
| SECURA Insurance | $1,180 |
| Texas Farm Bureau Group | $1,064 |
| North Carolina Farm Bureau | $1,100 |
Find Affordable Jaguar XF Insurance Rates
Are Jaguar XFs Expensive To Insure?
Yes, the Jaguar XF is generally more expensive to insure than the average midsize sedan. As a luxury vehicle, it comes with high-end materials, advanced technology, and powerful performance—all of which contribute to higher repair and replacement costs. These factors can drive up insurance premiums. Additionally, insurers consider factors such as theft rates and crash statistics, both of which can be elevated for luxury models. While costs vary by driver profile and location, many owners can expect above-average insurance rates. Shopping around and taking advantage of discounts can help lower the overall cost of coverage.
Cost of Jaguar XF Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers generally pay the highest premiums due to their higher accident rates. As drivers gain experience and maintain a clean record, their insurance costs tend to decrease, reflecting their lower risk to insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $12,616 | $18,535 | $21,710 |
| 18 | $11,738 | $17,304 | $20,153 |
| 19 | $10,357 | $15,224 | $17,886 |
| 20 | $9,056 | $13,344 | $15,570 |
| 21 | $7,601 | $11,137 | $13,028 |
| 22 | $7,433 | $10,841 | $12,681 |
| 23 | $6,489 | $9,483 | $11,116 |
| 24 | $6,138 | $9,024 | $10,551 |
| 25 | $5,289 | $7,751 | $9,082 |
| 30 | $4,174 | $6,073 | $7,145 |
| 35 | $3,886 | $5,689 | $6,686 |
| 40 | $3,768 | $5,447 | $6,421 |
| 45 | $3,640 | $5,305 | $6,246 |
| 55 | $3,275 | $4,878 | $5,741 |
| 65 | $3,432 | $5,042 | $5,992 |
| 75 | $4,426 | $6,464 | $7,545 |
Jaguar XF Car Insurance Rates By State
Your location significantly impacts your Jaguar XF insurance rates. Each state has its own regulations for auto insurance, which can influence costs. For instance, Michigan drivers typically pay higher premiums due to mandatory high coverage levels. Additionally, climate conditions such as hurricanes, storms, and flooding can raise rates in certain areas. Crime and accident statistics also play a role—regions with higher car theft, crash rates, or vehicle fatalities often see increased insurance costs. Insurers take all these factors into account when determining your specific premium.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,905 | $5,726 | $7,278 |
| Alaska | $3,226 | $4,508 | $4,401 |
| Arizona | $3,722 | $5,351 | $7,907 |
| Arkansas | $4,005 | $6,383 | $6,960 |
| California | $4,511 | $7,985 | $4,495 |
| Colorado | $4,160 | $5,884 | $7,448 |
| Connecticut | $5,328 | $8,315 | $10,558 |
| Delaware | $4,415 | $5,899 | $7,582 |
| Florida | $5,260 | $7,313 | $9,525 |
| Georgia | $4,350 | $6,420 | $6,530 |
| Hawaii | $1,729 | $2,358 | $1,762 |
| Idaho | $3,009 | $4,001 | $4,822 |
| Illinois | $3,124 | $4,729 | $5,450 |
| Indiana | $3,192 | $4,913 | $5,505 |
| Iowa | $2,533 | $3,497 | $4,118 |
| Kansas | $3,393 | $4,971 | $5,740 |
| Kentucky | $4,873 | $7,222 | $8,529 |
| Louisiana | $6,338 | $9,530 | $10,338 |
| Maine | $2,412 | $3,290 | $4,902 |
| Maryland | $3,852 | $5,570 | $6,262 |
| Massachusetts | $3,078 | $5,438 | $3,075 |
| Michigan | $7,414 | $11,330 | $17,883 |
| Minnesota | $3,036 | $4,105 | $5,804 |
| Mississippi | $3,659 | $5,302 | $5,343 |
| Missouri | $3,487 | $4,970 | $6,535 |
| Montana | $3,592 | $4,982 | $5,797 |
| Nebraska | $3,019 | $4,399 | $4,790 |
| Nevada | $4,982 | $7,339 | $7,784 |
| New Hampshire | $3,419 | $5,431 | $6,869 |
| New Jersey | $3,783 | $5,927 | $7,779 |
| New Mexico | $3,892 | $5,729 | $6,007 |
| New York | $3,630 | $4,563 | $7,581 |
| North Carolina | $2,198 | $3,792 | $2,765 |
| North Dakota | $3,004 | $4,592 | $5,506 |
| Ohio | $2,701 | $4,154 | $4,258 |
| Oklahoma | $4,307 | $6,240 | $6,939 |
| Oregon | $3,966 | $5,315 | $6,334 |
| Pennsylvania | $3,363 | $4,859 | $5,688 |
| Rhode Island | $5,590 | $8,168 | $9,144 |
| South Carolina | $3,768 | $5,218 | $7,201 |
| South Dakota | $3,335 | $4,857 | $5,597 |
| Tennessee | $4,002 | $5,823 | $7,784 |
| Texas | $3,992 | $5,814 | $7,167 |
| Utah | $3,395 | $4,810 | $6,529 |
| Vermont | $2,644 | $3,989 | $4,217 |
| Virginia | $2,504 | $3,779 | $3,748 |
| Washington | $3,303 | $4,393 | $5,321 |
| West Virginia | $3,268 | $4,691 | $5,882 |
| Wisconsin | $3,275 | $5,075 | $5,841 |
| Wyoming | $3,034 | $4,241 | $4,538 |
Find Affordable Jaguar XF Insurance Rates
Cheapest Car Insurance Companies For A Jaguar XF
The table above highlights five insurance providers offering competitive rates for the Jaguar XF. Erie Insurance and USAA are noted for their affordability, with annual premiums around $1,995 and $1,943, respectively. Mercury Insurance offers rates slightly above $2,200 per year, while Nationwide and Vermont Mutual present cost-effective options with premiums under $2,000 annually.
| Company | Average Monthly Rate |
| Erie Insurance | $166 |
| USAA | $162 |
| Mercury Insurance | $186 |
| Nationwide | $145 |
| Vermont Mutual | $162 |
Common Jaguar XF Insurance Discounts
Discounts are an excellent way to lower your car insurance costs. While each provider offers different discounts, there are some common ones you may qualify for:
- Multi-policy: Bundling your home and auto insurance with the same provider can lead to significant savings.
- Pay annually: Paying your premium in full rather than in monthly installments can result in a lower overall cost.
- Defensive driving: Completing a certified defensive driving course can make you eligible for discounted rates.
There may be additional discounts available based on your specific situation. It’s best to consult your insurance agent to find out which ones you qualify for and maximize your savings.
Ways To Save On Jaguar XF Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Jaguar XF insurance costs down. A speeding ticket or an accident can significantly increase your premiums.
Jaguar XF drivers with a ticket on their record can expect to pay around $110 per month, while those with multiple accidents may see their rates rise to an average of $136 per month. By driving safely and avoiding violations, you can keep your insurance costs lower.
Additionally, annual mileage plays a key role in determining insurance rates. Drivers who travel between 7,501 and 10,000 miles per year will pay approximately $85 per month, whereas those exceeding 10,000 miles annually will pay around $89 per month. Lower mileage generally results in lower premiums, as fewer miles driven reduces accident risk.
Compare Jaguar XF To Other Jaguar Models
Looking for other Jaguar model insurance costs?
- Jaguar I-PACE Car Insurance
- Jaguar F-Pace Car Insurance
- Jaguar F-Type Car Insurance
- Jaguar E-PACE Car Insurance
- Jaguar XE Car Insurance
- Jaguar XJ Car Insurance
- Jaguar XJL Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a **40-year-old male driver** purchasing **full-coverage insurance**, which included **$100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible**. However, these figures are general estimates, and your actual insurance costs may vary based on factors like age, driving history, location, and the specific coverage options you select.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Jaguar XF?
Yes, you must provide proof of insurance before driving your Jaguar XF off the dealership lot. The best approach is to purchase a policy in advance and notify your insurance provider about your upcoming car purchase. This way, you can ensure coverage without relying on dealership-provided insurance, which may not always offer the best rates.
How Can You Get The Cheapest Insurance For Your Jaguar XF?
The most effective way to find the cheapest insurance rates for your Jaguar XF is to shop around and compare quotes from various auto insurance providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare multiple quotes directly on their website, helping you secure the best deal for your needs.
