I just installed Jaxx on my PC (Windows) to try and locate the wallet file, and I believe this is it:
I managed to find addresses, xPubs and everything else that is displayed on the UI basically, except for the private keys (they might be encrypted as I couldn't find them on plaintext). As a test, I disabled my internet connection, and then deleted the file above...
After launching Jaxx for a second time, I got asked to either create a new wallet or restore one (which should also prove that the file above is the wallet).
So, after I created a new wallet, I went to the settings to try and export the private keys... but I only got these wallets to export PKs from. I went back to the first page to try and create a BTC or LTC wallet (since it wasn't created on launch)... but that didn't work. I was just stuck on this window. But whenever I enabled my internet back, it worked fine!
So, unless I'm missing something, It appears to me that wallets are not created offline except for Dash, Zcash and Dogecoin.