Jaguar XF Insurance Cost

Full coverage for a Jaguar XF costs about $1,675 a year ($140/month) by our estimate — ▲ +5% versus the average vehicle.

Jaguar XF exterior (photo from Wikimedia Commons) — Photo: IFCAR, Public domain

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

Jaguar XF insurance cost at a glance

Full coverage

$1,675

$140/mo · $1,375–$1,975

Minimum liability

$600

$50/mo

Segment

Luxury car

Gasoline, Diesel, Flex-fuel

HLDI collision losses

135

Much worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2024 model year. Our vehicle data covers the 2009–2024 model years of the Jaguar XF, which is no longer in production.

Estimated Jaguar XF premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$600	$50	$495–$710
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$870	$73	$715–$1,030
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,675	$140	$1,375–$1,975

What drives the cost of insuring a Jaguar XF

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Jaguar XF's results put our vehicle factor at 0.98× for liability, 1.36× for collision and 1.25× for comprehensive.

HLDI relative insurance losses — Jaguar XF 4dr 4WD (Large Luxury cars)
Coverage	Index	Rating	What it measures
Collision	135	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 1 NHTSA recall campaigns and 4 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Jaguar XF trims and configurations (2024)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
XF P250	RWD	2.0L 4-cyl Turbo	26
XF P300 AWD	AWD	2.0L 4-cyl Turbo	24

Jaguar XF insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2024	2.0L 4-cyl Turbo	AWD, RWD	24–26	$1,675
2023	2.0L 4-cyl Turbo	AWD, RWD	25–28	$1,635
2022	2.0L 4-cyl Turbo	AWD, RWD	25–28	$1,590
2021	2.0L 4-cyl Turbo	AWD, RWD	25–28	$1,550
2020	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged	AWD, RWD	21–28	$1,510
2019	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Supercharged	AWD, RWD	21–35	$1,465
2018	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Supercharged	AWD, RWD	21–35	$1,425
2017	2.0L 4-cyl Turbo Diesel, 3.0L 6-cyl Supercharged	AWD, RWD	23–35	$1,380
2016	3.0L 6-cyl Supercharged	AWD, RWD	23	$1,340
2015	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 5.0L 8-cyl Supercharged	AWD, RWD	18–23	$1,335
2014	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 5.0L 8-cyl Supercharged	AWD, RWD	18–23	$1,335
2013	2.0L 4-cyl Turbo, 3.0L 6-cyl Supercharged, 5.0L 8-cyl Supercharged	AWD, RWD	18–23	$1,335
2012	5.0L 8-cyl, 5.0L 8-cyl Supercharged	RWD	17–19	$1,335
2011	5.0L 8-cyl, 5.0L 8-cyl Supercharged	RWD	17–19	$1,335
2010	4.2L 8-cyl, 5.0L 8-cyl, 5.0L 8-cyl Supercharged	RWD	17–19	$1,335
2009	4.2L 8-cyl, 4.2L 8-cyl Supercharged	RWD	17–19	$1,335

Jaguar XF insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the XF page for that state.

State	Full coverage	Minimum	vs. national	XF page
Alabama	$1,475	$470	−12%	XF in AL
Alaska	$1,470	$610	−12%	XF in AK
Arizona	$1,750	$650	+4%	XF in AZ
Arkansas	$1,500	$440	−10%	XF in AR
California	$1,660	$560	−1%	XF in CA
Colorado	$1,910	$640	+14%	XF in CO
Connecticut	$1,765	$695	+5%	XF in CT
Delaware	$1,835	$785	+10%	XF in DE
District of Columbia	$2,120	$725	+27%	XF in DC
Florida	$2,335	$1,055	+39%	XF in FL
Georgia	$2,040	$855	+22%	XF in GA
Hawaii	$1,165	$425	−30%	XF in HI
Idaho	$1,140	$395	−32%	XF in ID
Illinois	$1,460	$490	−13%	XF in IL
Indiana	$1,200	$395	−28%	XF in IN
Iowa	$1,160	$305	−31%	XF in IA
Kansas	$1,360	$395	−19%	XF in KS
Kentucky	$1,405	$515	−16%	XF in KY
Louisiana	$2,305	$775	+38%	XF in LA
Maine	$1,075	$415	−36%	XF in ME
Maryland	$1,870	$740	+12%	XF in MD
Massachusetts	$1,650	$580	−1%	XF in MA
Michigan	$1,830	$750	+9%	XF in MI
Minnesota	$1,410	$460	−16%	XF in MN
Mississippi	$1,615	$520	−4%	XF in MS
Missouri	$1,530	$500	−9%	XF in MO
Montana	$1,360	$385	−19%	XF in MT
Nebraska	$1,365	$395	−19%	XF in NE
Nevada	$1,875	$850	+12%	XF in NV
New Hampshire	$1,200	$395	−28%	XF in NH
New Jersey	$1,985	$915	+19%	XF in NJ
New Mexico	$1,510	$510	−10%	XF in NM
New York	$2,215	$910	+32%	XF in NY
North Carolina	$1,275	$440	−24%	XF in NC
North Dakota	$1,105	$270	−34%	XF in ND
Ohio	$1,205	$395	−28%	XF in OH
Oklahoma	$1,530	$460	−9%	XF in OK
Oregon	$1,480	$615	−12%	XF in OR
Pennsylvania	$1,480	$415	−12%	XF in PA
Rhode Island	$2,000	$805	+19%	XF in RI
South Carolina	$1,765	$720	+5%	XF in SC
South Dakota	$1,320	$310	−21%	XF in SD
Tennessee	$1,405	$445	−16%	XF in TN
Texas	$2,000	$680	+19%	XF in TX
Utah	$1,500	$640	−10%	XF in UT
Vermont	$1,110	$310	−34%	XF in VT
Virginia	$1,440	$615	−14%	XF in VA
Washington	$1,445	$580	−14%	XF in WA
West Virginia	$1,420	$425	−15%	XF in WV
Wisconsin	$1,155	$365	−31%	XF in WI
Wyoming	$1,345	$320	−20%	XF in WY

Jaguar XF insurance by driver profile

Estimated annual Jaguar XF premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,655	$2,400	$4,605	$384
Young adult (22)	$965	$1,395	$2,680	$223
Adult in their 30s	$600	$870	$1,675	$140
Adult in their 50s	$555	$805	$1,540	$128
Senior (72)	$675	$975	$1,875	$156
30s, one at-fault accident	$870	$1,265	$2,430	$203
30s, DUI on record	$1,115	$1,615	$3,100	$258

Jaguar XF vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Jaguar XF	$1,675	135	—	—
Audi A4	$1,565	133	97	Compare
BMW 3 Series	$1,880	144	111	Compare
Mercedes-Benz E-Class	$1,810	138	—	Compare

Estimate Jaguar XF insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Jaguar models

F-Pace $1,690/yr
E-Pace $1,585/yr
F-Type $1,980/yr
I-Pace $2,015/yr
XE $1,565/yr
XJ $1,480/yr
XK $1,580/yr
S-Type $1,345/yr
X-Type $1,345/yr

All Jaguar insurance costs →

Frequently asked questions

How much is insurance for a Jaguar XF?

We estimate about $1,675 a year ($140 a month) for full coverage and $600 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 5% more than the average vehicle.

Is the Jaguar XF expensive to insure?

HLDI insurance-loss data rates it at 135 for collision and 0 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Jaguar XF?

Maine has the lowest estimate (about $1,075 a year for full coverage) and Florida the highest (about $2,335).

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

By our estimate the Jaguar XF costs about $1,675 a year versus $1,640 for the Audi A4, making the Audi A4 cheaper to insure.

How much is Jaguar XF insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,605 a year at national-average rates by our estimate.

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