The Jaguar XF is a midsize luxury sedan that was introduced in 2007 and overhauled in 2015. While sedans are often less expensive to insure compared to SUVs and sports cars, its designation as a luxury vehicle will likely increase the cost of coverage.
But even though the Jaguar XF typically costs more to insure than the national average, it comes equipped with safety and security features that may help reduce costs.
Average insurance rates for the Jaguar XF come in around $184 a month, or $2,208 a year. Compared to the national average of $1,426 per year, this rate is $782 more expensive than average. The XF is on the higher end for other Jaguars, but it’s still lower than some other luxury sports cars.
Model
Monthly insurance rate
Base car price
F-Pace
$201
$43,060
F-Type
$148
$61,745
XE
$163
$36,720
XF
$184
$48,770
XJ
$158
$76,395
XJL
$110
$76,395
XJR
$110
$123,395
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
The cost of car insurance varies based on the location of the vehicle, the insurance provider and other variables. There are a number of factors to consider when comparing policies for the Jaguar FX, including:
Body type. Sedans are cheaper to insure compared to SUVs and sports cars, but its classification as a luxury vehicle could increase the cost of coverage.
Fuel. The XF has a gas engine, which is cheaper to insure compared to electric or hybrid engines.
Theft rates. The Jaguar XF doesn’t have high theft rates, but sedans are stolen more frequently than any other type of vehicle.
Repair costs. Maintenance and repairs on luxury vehicles like the Jaguar XF can be expensive, which may increase the cost of insurance.
Coverage. Even if your state only requires liability protection, consider collision damage and comprehensive coverage to protect your XF, which will increase your premiums.
Insurer options. While the XF is a luxury vehicle, you should have no trouble getting coverage. Consider a classic or luxury car insurance company if you have multiple high-value vehicles.
Warranty. The Jaguar XF comes with a 5-year or 60,000-mile warranty that includes scheduled maintenance and roadside assistance, so you might not need those types of protection from your insurer.
Build options. Choosing features that improve safety or reduce the likelihood of accidents could decrease the cost of insurance.
Does the Jaguar XF qualify for auto insurance discounts?
The Jaguar XF comes equipped with several features that could help you save on auto insurance.
Anti-theft device
Passive restraint systems
Anti-lock brakes
New car discount
Safety feature discount
How reliable is the Jaguar XF?
While the Jaguar XF doesn’t have safety ratings from the IIHS or NHTSA at this time, you’ll want to consider these factors.
Reliability. The Jaguar XF has below average reliability ratings and has common issues that include transmission failures, coolant loss that causes engine overheating and ignition coil failure.
Recalls. In January 2018, Jaguar recalled over 20,000 Jaguar XF models from years 2010-2015 for faulty airbag inflators, issues with fuel injection systems and electrical systems.
Safety. The Jaguar XF comes equipped with a number of standard safety features.
Bottom line
The Jaguar XF is a midsize luxury sedan that’s packed with safety and driver assistance features. But even though sedans are often cheaper to insure than SUVs and sports cars, its classification as a luxury vehicle could increase the cost of coverage.
Compare your options or consider other Jaguar insurance rates until you find a policy that suits your situation.
Frequently asked questions about the Jaguar XF
Yes. The standard Jaguar XF is rear wheel drive. You can choose all-wheel drive when building your vehicle, though it may affect your insurance rates.
Jaguar car insurance is more expensive than the national average because it’s a luxury vehicle brand, but it’s on par with many similarly-priced car manufacturers.
The 2019 Jaguar XF starts at $49,995.
You can buy a Jaguar XF at your local Jaguar dealership or build one online.
The base Jaguar XF is gas, but you can opt for a diesel engine instead.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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