Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a new or used Jaguar XF And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Jaguar XF car insurance facts

  • Average full coverage auto insurance premium: $153/month

  • Most affordable companies: Auto-Owners ($116/month) & Erie ($121/month)

  • XF car insurance cost vs. average rates: $26 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Jaguar XF by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Jaguar XF insurer costs by state:

Risk factors affecting Jaguar XF car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Jaguar XF car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Jaguar models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Jaguar luxury automobile brand

Jaguar is a luxury vehicle brand of Jaguar Land Rover specializing in performance sports and luxury cars. The target market of Jaguar is “customers who are successful, aristocrat type, upper-income class group” that demand a classy high-end design and driver-assist technologies. All Jaguar automobiles have high safety ratings with EURO NCAP. Still, there isn’t a “Top Safety Pick” or 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA) for Jaguar cars in the United States market. According to CarandDriver.com, the Jaguar F-Pace is their top-selling vehicle in the United States.

Higher than average Jaguar XF repair costs equal higher coverage rates

Many consumers are attracted to Jaguar’s high-end features, classy design, best quality materials, and driver-assist technologies, like Jaguar’s Driver Assist Package. Automotive parts are not nearly as common and more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Jaguar is higher than average since repair parts are more costly. For this reason, many Jaguar’s are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Jaguar XF affecting auto policies

Another factor to consider for Jaguar is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Jaguar models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

No Jaguar IIHS and NHTSA safety ratings increasing car insurance rates for drivers

Jaguars are known for their safety ratings and safety features conducted by EURO NCAP and driver-assist technologies such as forward collision warning with active braking technology. Lack of safety ratings and “Top Safety Pick” from the Insurance Institute for Highway Safety (IIHS) and NHTSA leads to higher than average car insurance rates for Jaguar drivers. With a good driving record, you can get lower than average insurance rates by 15 to 20%. With Jaguar’s passive restraints and safety features, you can get lower your car insurance costs by an additional 10% with driver discounts available with major auto insurance companies.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Jaguar automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2021 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2258
Acuity$2411
Allstate$1963
Auto-Owners$1398
Direct Auto$2346
Erie$1446
GEICO$1705
Kentucky Farm Bureau$2086
Liberty Mutual$1654
Nationwide$1835
Progressive$2054
Safe Auto$2015
State Farm$1899
Tennessee Farmers$1746
Texas Farm Bureau$1512
The Hanover$2193
Travelers$1789
USAA$1613

Compare all 2021 Jaguar XF rates

Average Cost to Insure Per Year

$1830

List Price

$43995

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 35t Premium - 25t Prestige - 20d Prestige - 30t Prestige - 25t R-Sport - 35t Prestige - 20d R-Sport - 30t R-Sport - 35t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition - Engine: turbocharged 2.0-liter four-cylinder with driver assist technologies: Autonomous Emergency Braking, Lane Departure Warning, Traffic Sign Recognition and Speed Limiter, Driver Condition Monitor, Adaptive Cruise Control with Queue Assist, Intelligent Emergency Braking, Blind Spot Monitor, Blind Spot Assist, Park Assist, 360-Degree Parking Aid – with passive and active safety features: Airbags, Anti-lock brakes, Electronic Stability Control (ESC), Pretensioners, InControl Remote SOS Emergency Call, and Back-Up Camera

2020 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2478
Allstate$2156
Auto-Owners$1460
Erie$1512
Farmers$2281
GEICO$1754
Liberty Mutual$1716
Mercury$2169
Nationwide$1923
Progressive$2270
State Farm$2031
Tennessee Farmers$1833
Texas Farm Bureau$1536
The Hanover$2349
Travelers$1867
USAA$1645

Compare all 2020 Jaguar XF rates

Average Cost to Insure Per Year

$1953

List Price

$51100

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 35t Premium - 25t Prestige - 20d Prestige - 30t Prestige - 25t R-Sport - 35t Prestige - 20d R-Sport - 30t R-Sport - 35t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition - Engine: turbocharged 2.0-liter four-cylinder with driver assist technologies: Autonomous Emergency Braking, Lane Departure Warning, Traffic Sign Recognition and Speed Limiter, Driver Condition Monitor, Adaptive Cruise Control with Queue Assist, Intelligent Emergency Braking, Blind Spot Monitor, Blind Spot Assist, Park Assist, 360-Degree Parking Aid – with passive and active safety features: Airbags, Anti-lock brakes, Electronic Stability Control (ESC), Pretensioners, InControl Remote SOS Emergency Call, and Back-Up Camera

2019 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2467
Allstate$2155
Auto-Owners$1325
Erie$1361
GEICO$1642
Kentucky Farm Bureau$2316
Liberty Mutual$1529
Mercury$2167
Nationwide$1911
Progressive$2269
State Farm$2016
Tennessee Farmers$1780
Texas Farm Bureau$1425
The Hanover$2344
Travelers$1835
USAA$1463

Compare all 2019 Jaguar XF rates

Average Cost to Insure Per Year

$1735

List Price

$49965

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 35t Premium - 25t Prestige - 20d Prestige - 30t Prestige - 25t R-Sport - 35t Prestige - 20d R-Sport - 30t R-Sport - 35t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition - Engine: turbocharged 2.0-liter four-cylinder with driver assist technologies: Autonomous Emergency Braking, Lane Departure Warning, Traffic Sign Recognition and Speed Limiter, Driver Condition Monitor, Adaptive Cruise Control with Queue Assist, Intelligent Emergency Braking, Blind Spot Monitor, Blind Spot Assist, Park Assist, 360-Degree Parking Aid – with passive and active safety features: Airbags, Anti-lock brakes, Electronic Stability Control (ESC), Pretensioners, InControl Remote SOS Emergency Call, and Back-Up Camera

2018 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1932
Acuity$ 1932
Allied$ 1359
Allied$ 1359
Country$ 2080
Country$ 2080
Erie$ 1163
Erie$ 1163
GEICO$ 1331
GEICO$ 1331
Mercury$ 1943
Mercury$ 1943
Nationwide$ 1265
Nationwide$ 1265
Plymouth Rock Insurance$ 1816
Plymouth Rock Insurance$ 1816
Progressive$ 1287
Progressive$ 1287
State Farm$ 1357
State Farm$ 1357
Tennessee Farmers$ 1876
Tennessee Farmers$ 1876
USAA$ 1136
USAA$ 1136

Compare all 2018 Jaguar XF rates

Average Cost to Insure Per Year

$ 1666

List Price

$ 47775

Trims Available

25t - 20d - 25t Premium - 20d Premium - 30t Premium - 35t Premium - 25t Prestige - 20d Prestige - 30t Prestige - 25t R-Sport - 35t Prestige - 20d R-Sport - 30t R-Sport - 35t R-Sport - S - 30t Portfolio Limited Edition - 35t Portfolio Limited Edition

2017 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1943
Acuity$ 1943
Allied$ 1797
Allied$ 1797
Erie$ 1393
Erie$ 1393
GEICO$ 1993
GEICO$ 1993
Mercury$ 1922
Mercury$ 1922
Nationwide$ 1811
Nationwide$ 1811
Plymouth Rock Insurance$ 1812
Plymouth Rock Insurance$ 1812
Progressive$ 1730
Progressive$ 1730
State Farm$ 1665
State Farm$ 1665
Tennessee Farmers$ 1330
Tennessee Farmers$ 1330
Texas Farm Bureau$ 1420
Texas Farm Bureau$ 1420
USAA$ 1456
USAA$ 1456

Compare all 2017 Jaguar XF rates

Average Cost to Insure Per Year

$ 1931

List Price

$ 48250

Trims Available

20d - 20d Premium - 35t - 35t Premium - 20d Prestige - 35t Prestige - 20d R-Sport - 35t R-Sport - S

2016 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1920
Acuity$ 1920
Allied$ 1870
Allied$ 1870
Arbella$ 2007
Arbella$ 2007
Erie$ 1357
Erie$ 1357
Mercury$ 1890
Mercury$ 1890
Nationwide$ 1854
Nationwide$ 1854
Plymouth Rock Insurance$ 1755
Plymouth Rock Insurance$ 1755
Progressive$ 1709
Progressive$ 1709
State Farm$ 1792
State Farm$ 1792
Tennessee Farmers$ 1290
Tennessee Farmers$ 1290
Texas Farm Bureau$ 1386
Texas Farm Bureau$ 1386
USAA$ 1513
USAA$ 1513

Compare all 2016 Jaguar XF rates

Average Cost to Insure Per Year

$ 1892

List Price

$ 51900

Trims Available

35t Premium - 35t Prestige - R-Sport - S

2015 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2084
Acuity$ 2084
Allied$ 1885
Allied$ 1885
Country$ 2107
Country$ 2107
Erie$ 1372
Erie$ 1372
Mercury$ 1857
Mercury$ 1857
Nationwide$ 1917
Nationwide$ 1917
Plymouth Rock Insurance$ 1699
Plymouth Rock Insurance$ 1699
Progressive$ 1738
Progressive$ 1738
State Farm$ 1735
State Farm$ 1735
Tennessee Farmers$ 2047
Tennessee Farmers$ 2047
Texas Farm Bureau$ 1296
Texas Farm Bureau$ 1296
USAA$ 1602
USAA$ 1602

Compare all 2015 Jaguar XF rates

Average Cost to Insure Per Year

$ 1935

List Price

$ 50175

Trims Available

2.0T Premium - 3.0 Portfolio - 3.0 Sport - 5.0 Supercharged - XFR - XFR-S

2014 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 2075
Acuity$ 2075
Allied$ 1875
Allied$ 1875
Erie$ 1119
Erie$ 1119
Mercury$ 1829
Mercury$ 1829
Nationwide$ 1944
Nationwide$ 1944
Plymouth Rock Insurance$ 1642
Plymouth Rock Insurance$ 1642
Progressive$ 1701
Progressive$ 1701
Safeco$ 2045
Safeco$ 2045
State Farm$ 1776
State Farm$ 1776
Tennessee Farmers$ 2063
Tennessee Farmers$ 2063
Texas Farm Bureau$ 1250
Texas Farm Bureau$ 1250
USAA$ 1524
USAA$ 1524

Compare all 2014 Jaguar XF rates

Average Cost to Insure Per Year

$ 1905

List Price

$ 46975

Trims Available

2.0T - 3.0 - Supercharged - XFR - XFR-S

2013 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1789
Allied$ 1789
American Family$ 2159
American Family$ 2159
Arbella$ 2067
Arbella$ 2067
Erie$ 1062
Erie$ 1062
Mercury$ 1826
Mercury$ 1826
Nationwide$ 1899
Nationwide$ 1899
Plymouth Rock Insurance$ 1594
Plymouth Rock Insurance$ 1594
Progressive$ 1570
Progressive$ 1570
Safeco$ 1969
Safeco$ 1969
State Farm$ 1691
State Farm$ 1691
Texas Farm Bureau$ 1402
Texas Farm Bureau$ 1402
USAA$ 1505
USAA$ 1505

Compare all 2013 Jaguar XF rates

Average Cost to Insure Per Year

$ 2035

List Price

$ 46975

Trims Available

2.0T - 3.0 - Supercharged - XFR - XFR-S

2012 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1623
Acuity$ 1623
Allied$ 1669
Allied$ 1669
Arbella$ 1815
Arbella$ 1815
Erie$ 1061
Erie$ 1061
GEICO$ 1803
GEICO$ 1803
Nationwide$ 1803
Nationwide$ 1803
Plymouth Rock Insurance$ 1424
Plymouth Rock Insurance$ 1424
State Farm$ 1717
State Farm$ 1717
Tennessee Farmers$ 1766
Tennessee Farmers$ 1766
Texas Farm Bureau$ 1195
Texas Farm Bureau$ 1195
USAA$ 1380
USAA$ 1380
Vermont Mutual$ 1689
Vermont Mutual$ 1689

Compare all 2012 Jaguar XF rates

Average Cost to Insure Per Year

$ 1654

List Price

$ 53000

Trims Available

Base - Portfolio - Supercharged - XFR

2011 Jaguar XF

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1604
Allied$ 1604
American Family$ 1830
American Family$ 1830
Arbella$ 1593
Arbella$ 1593
Erie$ 1064
Erie$ 1064
GEICO$ 1694
GEICO$ 1694
Nationwide$ 1719
Nationwide$ 1719
Plymouth Rock Insurance$ 1402
Plymouth Rock Insurance$ 1402
Southern Farm Bureau$ 1746
Southern Farm Bureau$ 1746
Tennessee Farmers$ 1651
Tennessee Farmers$ 1651
Texas Farm Bureau$ 1161
Texas Farm Bureau$ 1161
USAA$ 1312
USAA$ 1312
Vermont Mutual$ 1507
Vermont Mutual$ 1507

Compare all 2011 Jaguar XF rates

Average Cost to Insure Per Year

$ 1622

List Price

$ 52500

Trims Available

Base - Premium - Supercharged - XFR