Log in Join

Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Jaguar XF car insurance rates

What to expect for insuring your Jaguar XF

Avatar

By

Peter Carleton

Updated

Fact checked

Get the cheapest quotes on your auto insurance

Enter your ZIP code to see insurers near you.

Your information is secure.

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.

ModelMonthly insurance rateBase 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
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
USAA
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
The Zebra
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Get quotes
More Info
Smartfinancial
Smartfinancial
Yes
Yes
No
All 50 states and DC
Get quotes
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Get quotes
More Info
loading

Get the cheapest quotes for your Jaguar XF

Enter your zip code to compare providers in your area.

Your information is secure

How do I compare car insurance for the Jaguar XF?

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

More guides on Finder

Ask an Expert

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site