Estimates, not quotes

Audi A4 vs Jaguar XF Insurance Cost

The Audi A4 is cheaper to insure by about $110 a year for full coverage by our estimate ($1,565 vs. $1,675), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi A4Jaguar XFDifference
State minimum$535$600−$65
Standard (100/300/100)$780$870−$90
Full coverage$1,565$1,675−$110

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A4 minus XF.

Why one costs more to insure

FactorAudi A4Jaguar XF
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, Flex-fuelGasoline, Diesel, Flex-fuel
HLDI collision (100 = avg)133135
HLDI comprehensive97—
HLDI property damage liability79—
HLDI bodily injury liability86—
NHTSA overall rating5★—
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)11

Collision losses are the biggest swing factor: the Jaguar XF has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

A4 vs XF insurance by state

StateA4XFDifference
Alabama$1,380$1,475−$95
Alaska$1,385$1,470−$85
Arizona$1,625$1,750−$125
Arkansas$1,405$1,500−$95
California$1,580$1,660−$80
Colorado$1,760$1,910−$150
Connecticut$1,650$1,765−$115
Delaware$1,705$1,835−$130
District of Columbia$1,995$2,120−$125
Florida$2,155$2,335−$180
Georgia$1,895$2,040−$145
Hawaii$1,105$1,165−$60
Idaho$1,065$1,140−$75
Illinois$1,370$1,460−$90
Indiana$1,125$1,200−$75
Iowa$1,075$1,160−$85
Kansas$1,260$1,360−$100
Kentucky$1,305$1,405−$100
Louisiana$2,145$2,305−$160
Maine$1,010$1,075−$65
Maryland$1,745$1,870−$125
Massachusetts$1,555$1,650−$95
Michigan$1,725$1,830−$105
Minnesota$1,310$1,410−$100
Mississippi$1,505$1,615−$110
Missouri$1,420$1,530−$110
Montana$1,260$1,360−$100
Nebraska$1,265$1,365−$100
Nevada$1,745$1,875−$130
New Hampshire$1,135$1,200−$65
New Jersey$1,845$1,985−$140
New Mexico$1,410$1,510−$100
New York$2,060$2,215−$155
North Carolina$1,205$1,275−$70
North Dakota$1,025$1,105−$80
Ohio$1,130$1,205−$75
Oklahoma$1,420$1,530−$110
Oregon$1,375$1,480−$105
Pennsylvania$1,390$1,480−$90
Rhode Island$1,870$2,000−$130
South Carolina$1,630$1,765−$135
South Dakota$1,210$1,320−$110
Tennessee$1,320$1,405−$85
Texas$1,860$2,000−$140
Utah$1,400$1,500−$100
Vermont$1,050$1,110−$60
Virginia$1,345$1,440−$95
Washington$1,345$1,445−$100
West Virginia$1,320$1,420−$100
Wisconsin$1,075$1,155−$80
Wyoming$1,240$1,345−$105

By driver profile (full coverage)

DriverA4XF
Teen driver (18, own policy)$4,300$4,605
Young adult (22)$2,505$2,680
Adult in their 30s$1,565$1,675
Adult in their 50s$1,440$1,540
Senior (72)$1,750$1,875
30s, one at-fault accident$2,270$2,430
30s, DUI on record$2,895$3,100

More comparisons

Frequently asked questions

Is the Audi A4 or the Jaguar XF cheaper to insure?

By our estimate the Audi A4 is cheaper, by about $110 a year for full coverage ($1,565 vs. $1,675) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi A4 and Jaguar XF?

Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 135 and comprehensive indices of 97 vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page