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Compare quotes for Jaguar Xf car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Jaguar Xf owners is $2,629 a year. However, exact rates vary from model to model: for instance, the Xe S costs $352 more per year to insure than the Super V8

Jaguar Xf car insurance cost

One of the primary determining factors for your Jaguar Xf insurance rate is the age of your vehicle. Here's how much it costs to insure your Xf by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Jaguar Xf , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Jaguar Xf

If you drive a Jaguar, you probably put a high value on the things Jaguar does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Jaguar Xf drivers.
Insurance company
Average Cost
Annual Savings with Jerry
National General$2,924$1,290
Bristol West$3,222$843
Commonwealth Insurance$2,256$533

Compare car insurance quotes for Jaguar Xf

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Jaguar insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
May 9, 202334747FLKissimmeeIva S.39Bristol West$4,356$3,776
January 5, 202329405SCNorth CharlestonChristopher G.28National General$4,500$1,588
February 12, 202233012FLHialeahTravis C.53Progressive$1,356$956
November 16, 202193550CAPalmdaleAddie C.33Progressive$2,880$2,330
January 6, 202183835IDHaydenLuke B.31Progressive$1,920$980

Best car insurance companies for Jaguar Xf drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,688$591
Speeding under 15$2,060$307

How much does Jaguar Xf insurance go up after a DUI?

If you get a DUI while driving your Xf, you can expect your premium to increase by an average of 93%.

How much does Jaguar Xf insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Xf, your insurance premium could increase by an average of 17%

Best Car Insurance for Jaguar Xf by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $0 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Jaguar Xf by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Jaguar Xf drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
February 12, 2022Jaguar Xf$113/mo.$80/mo.33012FLGerald B.53Progressive
January 6, 2021Jaguar Xf$160/mo.$82/mo.83835IDGregory P.31Progressive
January 5, 2023Jaguar Xf$375/mo.$132/mo.29405SCRussell M.28National General
November 16, 2021Jaguar Xf$240/mo.$194/mo.93550CABertie N.33Progressive
May 9, 2023Jaguar Xf$363/mo.$315/mo.34747FLHannah S.39Bristol West

Driving a Jaguar Xf

Since replacing the S-type as Jaguar’s staple luxury sports sedan, the XF has enjoyed an unbroken run from 2009 to the present. A few things have changed over the years, while others—like the classy interior, well-styled body, and graceful performance—have stayed the same, the latest versions of which retail for $46,450.With a streak this long, buyers are spoiled for choice. Are you looking for a V8 engine? Check out models from 2009 to 2012. Prefer diesel? The V6 from 2016 and I4 turbo of 2017 have you covered. A gas I4 inter-cooled turbo engine with 246 hp has carried the lineup since 2021, with trims and packages for every taste—ask for rear-wheel, front-wheel, or all-wheel drive and the Jaguar XF shall provide.The 2022 incarnation earned a 7/10 rating from Car & Driver—its performance didn’t necessarily impress , but its entry-level affordability certainly did. A smooth and sporty ride awaits drivers who are keen to enjoy the finer things in life, like leather seats, touchscreen infotainment, and responsive handling and braking. If you love the Jaguar XF but hate the idea of paying tons of money for car insurance guide to finding sensible and affordable coverage.
If you own a Jaguar Xf , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Jaguar Xf new, it’s worth considering new car replacement insurance to protect your investment.
Key Takeaway: The more your Jaguar Xf is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Jaguar Xf?

The average annual cost to insure a model is $2,629. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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