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Car insurance explained
Typical car insurance quotes in Singapore
What car insurance costs today for 31 typical drivers, each priced on 50 popular cars, and every car model we compare priced for each driver. Every car is 3 years old, comprehensive, repaired at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
Driver by driver
| Driver | Corolla Altis | Middle car |
|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount | No online price | |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | No online price | |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | No online price | |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | No online price | |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | No online price | |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | No online price | |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | No online price | |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | No online price | |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | No online price | |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | No online price | |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | No online price | |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | No online price | |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | No online price | |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | No online price | |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | No online price | |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | No online price | |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | No online price | |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | No online price | |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | No online price | |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | No online price | |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | No online price | |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20% | No online price | |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | No online price | |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price |
By car
Every driver above, priced on one car. Popular cars are below; for any other model we compare, find it by brand and open “Quotes by driver” on its price page.
- Toyota Corolla Altis
- Honda Vezel
- Honda Civic
- Mazda 3
- Hyundai Avante
- Kia Cerato
- Toyota Yaris Cross
- Honda Jazz / Fit
- Toyota Sienta
- Honda Freed
- Nissan Serena
- Toyota Corolla Cross
- Toyota Camry
- Mazda CX-5
- Nissan X-Trail
- Toyota Alphard
- BYD Atto 3
- BYD Seal
- Tesla Model 3
- Tesla Model Y
- Hyundai Kona
- BMW 3 Series
- Mercedes-Benz C-Class
- Mercedes-Benz E-Class
- Toyota Prius
- Toyota Yaris
- Honda HR-V
- Honda CR-V
- Toyota C-HR
- Mazda CX-30
- Kia Niro
- Hyundai Ioniq 5
- Mercedes-Benz A-Class
- BMW X1
- Audi A4
- Volkswagen Golf
- Mitsubishi Attrage
- Nissan Sylphy
- Kia Sportage
- Toyota Harrier
- Toyota Noah
- Honda Odyssey
- Mercedes-Benz GLC
- BMW 5 Series
- Mitsubishi Outlander
- Subaru Forester
- MG 4
- BYD Dolphin
- Volvo XC40
- Hyundai Tucson
Every car model for every driver is in one CSV file, updated daily. Compare car insurance with your own details.
Questions people ask
What makes the biggest difference to a car insurance quote?
Driving experience and the no-claim discount: a new driver with no NCD pays several times what a driver with a 50% NCD pays for the same car. A recent claim, the car model, and age under 26 or over 70 come next.
Are these real quotes?
They are the prices each insurer publishes or quotes online for these answers today, GST included. Your own quote depends on your details; the quote form asks for them and shows every insurer.