How cheap is car insurance for a Jaguar XF?

Insuring a Jaguar can be fairly expensive because it is considered a luxury vehicle. Jaguar XF car insurance rates average at $2,208 per year, or $184 per month. But your Jaguar XF auto insurance costs can vary dramatically based on your personal driving record, so enter your zip code into the box below for the most accurate Jaguar XF car insurance quotes.

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UPDATED: Nov 5, 2020

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Written By: Tonya SislerReviewed By: Brad LarsenUPDATED: Nov 5, 2020Fact Checked

If you’re researching the cost of car insurance for a luxury vehicle like the Jaguar XF, you’re most likely prepared to pay a premium to insure your investment. Car insurance rates depend on many factors, including where you live and how clean your driving history is, but the value of your car is perhaps the most important determinant of how much you’ll pay to insure it. Since comprehensive insurance protects your investment in case your vehicle is damaged by weather, vandalism or an accident, your insurance company could be on the hook for a large bill since the Jaguar XF is such a high-end vehicle. Naturally, it will charge you more for the financial risk it’s taking on.

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When you purchase car insurance for a Jaguar XF, it is also critical to ensure that you have sufficient coverage against uninsured or under-insured motorists. Since even a small fender-bender could result in exorbitant repair costs for your Jaguar XF, it’s likely that even an individual whose liability insurance meets state minimum requirements may not have enough insurance to cover the damage. In that case, you may have to take on the hassle of suing the other party if your under-insured motorist coverage is insufficient. To get car insurance rate quotes for your Jaguar XF, you can start by entering your zip code in the box, but read this article first to get important details about your vehicle.

About the Jaguar XF

The large, luxurious Jaguar XF concept car was introduced to the public at the at the North American International Auto Show in early 2007, and the consumer version was unveiled at the Frankfurt Motor Show later that year. Ian Callum designed the Jaguar XF to replace the Jaguar S-Type in the 4-door luxury sedan category. The vehicle, which Jaguar began selling to the public in 2008, is assembled in Birmingham, United Kingdom.

Awards for the Jaguar XF

At its initial unveiling in 2007, the Jaguar XF-C concept car won the “North American Production Preview Vehicle of the Year” award. In 2008, the Jaguar XF won the “Executive Car of the Year” award from What Car? magazine. The 2009 Jaguar XF made Car and Driver’s prestigious “Ten Best” list, and it took home the Automobile All Star Award for 2010. The Jaguar XF is currently ranked sixth out of 13 cars in U.S. News and World Report’s ranking of large luxury automobiles. It surpassed the BMW 5 Series and the Lexus GS, but the Jaguar XF was bested by the Mercedes-Benz E Class and the Infiniti M, which tied for first place.

Jaguar XF Performance Features

According to U.S. News and World Report, the 2010 Jaguar XF comes with a choice of a 4.2 liter V8 engine that gets 300 horsepower or a supercharged V8 that gets 420 horsepower. The 2011 model can be outfitted with a naturally aspirated 5.0 liter V8 that generates 385 horsepower, or a supercharged 5.0 liter V8 that delivers up to 470 horsepower, according to Jaguar’s website.

The Jaguar XFR is even more powerful. By adding features like Active Differential Control and Adaptive Dynamics, Jaguar gets the 5.0 liter V8 XF engine to crank out 510 horsepower. Reviewers like Edmunds, Popular Mechanics and Consumer Guide agree that the Jaguar XF handles surprisingly well for its size and power. However, the absence of an all-wheel drive option will turn away some buyers. A 6-speed automatic transmission is standard on all models.Jaguar XF Luxury Features

The Jaguar XF’s interior is loaded with luxury. Reviewers like Car and Driver and Motor Trend approve, but U.S. News and World Report suggests that the car’s “special effects,” like the sound of a pulsing heartbeat when you close the door and prepare to push the start button, could be a bit much for traditionalists.

Edmunds applauds the convenience of the touchscreen-controlled navigation, climate and audio system, and Popular Mechanics prefers it to BMW’s iDrive system. The Jaguar XF is also loaded with other luxury features that buyers will expect from a car in this category. The base model Jaguar XF comes equipped with the following:

  • All-leather, heated front seats with driver memory
  • Blue interior illumination and mood lighting
  • MP3 and Bluetooth connectivity
  • SIRIUS Satellite Radio
  • Heated side mirrors
  • Rear parking aide
  • Keyless start

Jaguar XF Safety Features

Neither the Insurance Institute for Highway Safety nor the federal government has put the 2010 or 2011 Jaguar XF through its crash testing regimen. However, the car does include both standard safety features and lots of extras. All Jaguar XFs are outfitted with front, side and side-curtain airbags, as well as active head restraints to prevent whiplash. All Jaguar XF passengers are also protected by electronic stability control, traction control and 4-wheel antilock brakes. The supercharged Jaguar XF is equipped with a blind spot monitor, which is very important given the limited side/rear visibility that some reviewers noticed.

How cheap is car insurance for the Jaguar XF?

The true cost of owning a large luxury automobile like the Jaguar XF is astronomical. When the sticker price of about $66,000 and the cost of ownership are added together, the total cost of purchasing and maintaining a Jaguar XF over five years comes to nearly $144,000. Aside from the car’s actual sticker price, the biggest components of this overall cost are depreciation (around $31,000 over five years) and fuel (nearly $13,000 over five years for the average driver). Car insurance is a close third, though, averaging about $8,000 over five years, or $1,600 per year. Car insurance rates vary dramatically based on the driver’s personal characteristics, though, so you should enter your zip code into the box for the most accurate rates.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Written by Tonya Sisler
Insurance Writer Tonya Sisler

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

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