Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Aug 6, 2019

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The 2012 Jaguar XF ranks high alongside among large luxury cars such as the Audi A6, Mercedes Benz E Class, BMW 5 Series and Infiniti M. Large luxury cars are often their makers’ flagship vehicles, and reviewers tend to agree that any sedan making it into this category is a high-quality automobile.

However, U.S. News points out that the Jaguar XF features especially impressive handling and power, as well as an interior that’s opulent even for this class.

It also includes a standard navigation system, which is an optional feature on many other large luxury cruisers.

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While the auto press generally concedes that the Jaguar XF is well worth its $53,000 base price, reviewers do have a few quibbles. For one, they say that the 2012 XF’s media interface is overly complicated; however, this is a criticism that’s leveled at most other luxury sedans as well.

They also point out that the XF’s rear seat is a tight fit for adults, and that its rear visibility is somewhat restricted. The Jaguar XF doesn’t offer all-wheel drive, either, which could be a deal-breaker for consumers who live in snowy climates.

Jaguar XF Auto Insurance Rates

NADA reports that you’ll spend about $10,407 on auto insurance for your Jaguar XF over five years. That works out to $2,081 per year or $173 per month. That rate is slightly lower than the average $2,125 annual premium for the Lexus GS, but it’s a bit higher than what you’ll pay to insure most other large luxury sedans.

For instance, the average annual auto insurance rate for the Volvo S80 is $1,944, and the typical Mercedes E Class driver pays just $1,925 per year for car insurance. Typical yearly rates for the BMW 5 Series are even lower, at $1,760.

Jaguar XF Maintenance Costs

Since the 2012 XF comes with Jaguar’s Platinum Service Plan, which includes complimentary scheduled maintenance for the life of the vehicle’s warranty, total 5-year maintenance costs for the XF are low.

Its average third-year costs are usually around $1,040, and its fourth-year costs are about the same. During the fifth year of ownership, most drivers spend about $692 on routine maintenance, for a 5-year total of $2,777.

That’s a bit higher than the typical maintenance expenditure for the Volvo S80, which is $2,204, but that’s to be expected since Volvo offers complimentary maintenance for a longer time period.

The Lexus GS average 5-year maintenance costs are $6,269, and Mercedes E Class owners usually pay about $3,500 to maintain their vehicles for five years.

Jaguar XF Warranty and Repairs

The warranty for the 2012 Jaguar XF extends for five years or 60,000 miles, and it is inclusive of powertrain coverage and roadside assistance. For most XF drivers, 5-year maintenance expenses total about $2,597, including a fourth-year bill of $1,039 and a fifth-year bill of $1,558.

For a Lexus GS, you’ll have paid just over $1,027 in repair bills after five years, reports the NADA. Volvo S80 repairs should total about $1,760 over five years.

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Jaguar XF Safety Features

The Jaguar XF has never been crash tested by the federal government, and due to its limited production numbers, it probably never will be. However, its list of standard safety equipment is extensive.

In addition to basic features like electronic stability control, anti-lock brakes, and traction control, it includes whiplash protection headrests in the front seats, self-leveling headlights, and rear parking sensors.

Higher-level trims incorporate a rearview camera, front parking sensors, and blind-spot monitoring. Advanced optional features for the XF include adaptive cruise control, which maintains a set distance between the XF and the vehicle in front of it.

Jaguar XF Performance

Unlike most other large luxury cars, which have base models equipped with a V6 engine, the base 2012 Jaguar XF comes standard with a 5.0 liter V8. This engine gets 385 horsepower, but the supercharged version delivers 470 horsepower.

Autoblog describes the XF’s base engine as one of the top powerplants on the market, and Edmunds describes its power as “eye-popping.” Consumer Guide is impressed with the XF’s “precise” steering, and Autoblog says it’s “sure-footed” when cornering.

Jaguar XF Reliability

Though ratings aren’t out yet for the 2012 model, the 2011 Jaguar XF received solid initial quality ratings from J.D. Power and Associates. Its overall mechanical quality was rated “Better than Most,” and the mechanical quality of its powertrain was rated especially well.

Its overall design quality was designated “Among the Best.”

The Jaguar XF did not receive an overall score, though. The highest overall Predicted Reliability scores in the large luxury car category went to the Lexus GS, the Mercedes E Class, the Acura RL, and the Cadillac DTS.

Jaguar XF Fuel Efficiency

The most fuel efficient non-hybrid large luxury car is the Audi A6, which gets 19 city mpg and 28 highway mpg. The Volvo S80 and the Lexus GS match the A6’s city mileage, but the S80 gets just 27 highway mpg and the GS only gets 26 mpg on the highway.

The 2012 Jaguar XF is much farther down the list when it comes to fuel economy: it gets just 16 city mpg and 23 highway mpg.

There is no other large luxury car with worse highway fuel economy, and only the Cadillac DTS has lower city fuel economy. These low numbers should be taken with a grain of salt, though, since most luxury cars have less powerful engines than the XF.

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