Typical car insurance quotes
Car insurance quotes for a 22-year-old new driver
What popular cars cost to insure today for a driver aged 22, single, driving 1 year, no no-claim discount, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.
Compare every insurer we price for a Toyota Corolla Altis on one page: https://shentonbrokers.com/prices/car/toyota-corolla-altis
On 12 Nov 2026, car insurance for a 22-year-old new driver costs from S$3,283.13 a year (Toyota Yaris at Sompo) to a lowest price of S$7,072.80 (Hyundai Ioniq 5), GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/age-22-new-driver
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
In short
- Cheapest car here: the Toyota Yaris, from S$3,283.13 a year at Sompo.
- The middle car's lowest price is S$3,978.04; the dearest, the Hyundai Ioniq 5, is from S$7,072.80.
- That is 5.2 times what a 40-year-old with a 50% NCD and no claims pays (S$763.00).
Car by car
| Car | Lowest | Typical | Insurers |
|---|---|---|---|
| Toyota Corolla Altischeapest Sompo | S$3,520.38 | S$5,295.27 | 7 |
| Honda Vezelcheapest Sompo | S$3,588.74 | S$5,515.99 | 6 |
| Honda Civiccheapest Sompo | S$3,978.04 | S$5,879.22 | 6 |
| Mazda 3cheapest Sompo | S$4,048.43 | S$6,064.79 | 5 |
| Hyundai Avantecheapest Sompo | S$3,973.63 | S$5,655.74 | 6 |
| Kia Ceratocheapest Sompo | S$3,678.85 | S$5,178.27 | 7 |
| Toyota Yaris Crosscheapest Sompo | S$3,417.90 | S$5,494.54 | 6 |
| Honda Jazz / Fitcheapest Sompo | S$3,447.27 | S$5,100.47 | 7 |
| Toyota Sientacheapest Sompo | S$3,613.15 | S$5,717.24 | 6 |
| Honda Freedcheapest Sompo | S$3,613.15 | S$4,985.59 | 6 |
| Nissan Serenacheapest Sompo | S$3,599.52 | S$6,346.44 | 7 |
| Toyota Corolla Crosscheapest Sompo | S$4,134.27 | S$7,312.79 | 4 |
| Toyota Camrycheapest Sompo | S$3,998.92 | S$6,707.49 | 7 |
| Mazda CX-5cheapest Sompo | S$4,331.13 | S$6,056.73 | 6 |
| Nissan X-Trailcheapest Sompo | S$4,301.61 | S$6,346.44 | 7 |
| Toyota Alphardcheapest Sompo | S$3,788.95 | S$6,347.45 | 7 |
| BYD Atto 3cheapest Sompo | S$5,895.82 | S$6,570.67 | 3 |
| BYD Sealcheapest Sompo | S$6,921.19 | S$7,175.12 | 3 |
| Tesla Model 3cheapest Sompo | S$6,982.17 | S$8,713.02 | 3 |
| Tesla Model Ycheapest Sompo | S$6,982.17 | S$8,430.72 | 3 |
| Hyundai Konacheapest Sompo | S$4,232.68 | S$5,469.93 | 6 |
| BMW 3 Seriescheapest Sompo | S$4,499.88 | S$6,993.22 | 7 |
| Mercedes-Benz C-Classcheapest Sompo | S$3,501.16 | S$5,717.36 | 6 |
| Mercedes-Benz E-Classcheapest Sompo | S$3,760.26 | S$6,762.84 | 6 |
| Toyota Priuscheapest Sompo | S$3,696.42 | S$5,943.21 | 7 |
| Toyota Yarischeapest Sompo | S$3,283.13 | S$4,401.43 | 4 |
| Honda HR-Vcheapest Sompo | S$4,272.34 | S$5,407.05 | 6 |
| Honda CR-Vcheapest Sompo | S$3,937.36 | S$5,621.52 | 6 |
| Toyota C-HRcheapest Sompo | S$3,417.90 | S$5,775.08 | 6 |
| Mazda CX-30cheapest Sompo | S$3,937.36 | S$6,110.37 | 5 |
| Kia Nirocheapest Sompo | S$3,409.30 | S$5,631.55 | 6 |
| Hyundai Ioniq 5cheapest Singlife | S$7,072.80 | S$8,732.91 | 2 |
| Mercedes-Benz A-Classcheapest Sompo | S$3,672.19 | S$5,233.96 | 6 |
| BMW X1cheapest Sompo | S$4,466.48 | S$6,095.19 | 7 |
| Audi A4cheapest Sompo | S$4,313.16 | S$6,177.64 | 7 |
| Volkswagen Golfcheapest MS First Capital | S$4,210.43 | S$6,109.17 | 6 |
| Mitsubishi Attragecheapest Sompo | S$3,978.04 | S$5,219.79 | 6 |
| Nissan Sylphycheapest Sompo | S$3,344.35 | S$5,888.56 | 7 |
| Kia Sportagecheapest Sompo | S$3,740.50 | S$5,515.11 | 4 |
| Toyota Harriercheapest Sompo | S$4,331.13 | S$7,119.64 | 7 |
| Toyota Noahcheapest Sompo | S$3,978.38 | S$6,916.50 | 5 |
| Honda Odysseycheapest Sompo | S$3,788.95 | S$6,559.85 | 7 |
| Mercedes-Benz GLCcheapest Sompo | S$4,112.81 | S$6,666.35 | 6 |
| BMW 5 Seriescheapest Sompo | S$4,949.86 | S$7,660.39 | 7 |
| Mitsubishi Outlandercheapest Sompo | S$4,449.19 | S$6,580.24 | 7 |
| Subaru Forestercheapest Sompo | S$3,740.50 | S$6,958.79 | 7 |
| MG 4cheapest Sompo | S$5,895.82 | S$7,228.72 | 2 |
| BYD Dolphincheapest Sompo | S$5,895.82 | S$6,533.94 | 3 |
| Volvo XC40cheapest Sompo | S$4,507.85 | S$7,168.06 | 7 |
| Hyundai Tucsoncheapest Sompo | S$3,674.23 | S$5,761.58 | 7 |
A full quote: Toyota Corolla Altis 1.6
Every insurer's lowest price for this driver on a 3-year-old Toyota Corolla Altis 1.6, the most common car on our model pages.
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$3,520.38 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| India InternationalComprehensive (any workshop or authorised workshops)Buy Now | S$3,829.25 | S$600.00 | Any workshop | Yes, S$100 excess | Not included |
| MS First CapitalComprehensiveBuy Now | S$4,336.75 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| SinglifeMotor LiteBuy Now | S$5,295.27 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$5,324.33 | S$600.00 | Authorised workshops | Optional add-on | Not included |
| LibertyComprehensive Preferred PlanBuy Now | S$5,652.73 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$6,737.95 | S$500.00 | Authorised workshops | Yes | S$20,000 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged 23 or over).
See this quote on the results page, or every plan for the Toyota Corolla Altis 1.6 at our standard driver.
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. This table as CSV · Every car model as CSV · Compare car insurance with your own details.
What would change the price
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$4,224.45 | +S$704.07 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,544.87 | −S$975.51 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$2,904.26 | −S$616.12 |
Why it costs this
For this driver on a Toyota Corolla Altis 1.6:
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off. Young drivers, under about 26, pay a further loading at most insurers.
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Corolla Altis has a 1,598cc engine.
- 9 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged 23 or over).
Price history
For this driver on a Toyota Corolla Altis 1.6: We record this price every day from 12 Nov 2026; the history fills in here as the days pass.
How these prices are worked out
Each price is what the insurer charges today for this driver on each car, GST included: from the rates and plans insurers publish or quote on their own sites, checked against their online quotes every week. Shenton Brokers is an insurance broker in Singapore and compares every insurer that sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=toyota&model=toyota-corolla-altis-1-6&ncd=0&licenceYears=1&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=2004-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=toyota&model=toyota-corolla-altis-1-6&ncd=0&licenceYears=1&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=2004-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is car insurance for a 22-year-old new driver in Singapore?
On today's prices, from S$3,283.13 a year (Toyota Yaris at Sompo) to S$7,072.80 (Hyundai Ioniq 5) at the cheapest insurer for each car; the middle car is S$3,978.04. That is for a driver aged 22, single, driving 1 year, no no-claim discount, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.
Does a 22-year-old new driver pay more than a typical driver?
On the middle car today this driver pays 5.2 times what a 40-year-old with a 50% NCD and no claims pays: S$3,978.04 against S$763.00.
Which insurer is cheapest for a 22-year-old new driver?
Sompo has the lowest price on 48 of the 50 cars here today. The cheapest insurer changes with the car and your details, so compare with your own.
Which insurers do not quote a 22-year-old new driver online?
For this driver on a Toyota Corolla Altis 1.6: Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged 23 or over).
Why might my own quote be different?
Your price depends on your car model and its age, your age and driving experience, your no-claim discount and claims, the workshop you choose and the options you add. These pages fix all of those; the quote form asks for yours.