Typical car insurance quotes
Car insurance quotes for a 23-year-old new driver
What popular cars cost to insure today for a driver aged 23, 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.
Prices as of 28 Oct 2026, GST included.
In short
- Cheapest car here: the Toyota Yaris, from S$2,934.43 a year at India International.
- The middle car's lowest price is S$3,694.09; the dearest, the Tesla Model 3, is from S$6,483.78.
- That is 4.9 times what a 40-year-old with a 50% NCD and no claims pays (S$746.42).
Car by car
| Car | Lowest | Typical | Insurers |
|---|---|---|---|
| Toyota Corolla Altischeapest Sompo | S$3,269.10 | S$4,042.38 | 7 |
| Honda Vezelcheapest Sompo | S$3,332.57 | S$4,711.93 | 6 |
| Honda Civiccheapest Sompo | S$3,694.09 | S$4,815.78 | 7 |
| Mazda 3cheapest Sompo | S$3,759.45 | S$5,178.25 | 5 |
| Hyundai Avantecheapest Sompo | S$3,689.98 | S$5,178.27 | 7 |
| Kia Ceratocheapest Sompo | S$3,416.25 | S$4,866.57 | 7 |
| Toyota Yaris Crosscheapest Sompo | S$3,173.93 | S$4,096.80 | 6 |
| Honda Jazz / Fitcheapest Sompo | S$3,201.20 | S$4,643.74 | 7 |
| Toyota Sientacheapest Sompo | S$3,355.25 | S$4,210.43 | 7 |
| Honda Freedcheapest Sompo | S$3,355.25 | S$4,557.51 | 6 |
| Nissan Serenacheapest Sompo | S$3,342.58 | S$5,493.66 | 7 |
| Toyota Corolla Crosscheapest Sompo | S$3,839.15 | S$5,648.98 | 4 |
| Toyota Camrycheapest Sompo | S$3,713.47 | S$5,656.20 | 7 |
| Mazda CX-5cheapest Sompo | S$4,021.97 | S$5,838.73 | 7 |
| Nissan X-Trailcheapest Sompo | S$3,994.56 | S$5,493.66 | 7 |
| Toyota Alphardcheapest Sompo | S$3,518.49 | S$4,922.12 | 7 |
| BYD Atto 3cheapest AIG | S$5,186.15 | S$5,474.97 | 3 |
| BYD Sealcheapest AIG | S$5,663.68 | S$6,427.15 | 3 |
| Tesla Model 3cheapest Sompo | S$6,483.78 | S$6,617.47 | 3 |
| Tesla Model Ycheapest AIG | S$6,404.89 | S$6,483.78 | 3 |
| Hyundai Konacheapest Sompo | S$3,930.54 | S$4,815.46 | 6 |
| BMW 3 Seriescheapest Sompo | S$4,178.68 | S$6,756.55 | 7 |
| Mercedes-Benz C-Classcheapest Sompo | S$3,251.24 | S$4,842.92 | 6 |
| Mercedes-Benz E-Classcheapest Sompo | S$3,491.85 | S$5,283.29 | 6 |
| Toyota Priuscheapest Sompo | S$3,432.56 | S$5,027.53 | 7 |
| Toyota Yarischeapest India International | S$2,934.43 | S$3,631.99 | 5 |
| Honda HR-Vcheapest India International | S$3,829.25 | S$4,723.49 | 7 |
| Honda CR-Vcheapest Sompo | S$3,656.31 | S$4,817.63 | 7 |
| Toyota C-HRcheapest Sompo | S$3,173.93 | S$3,997.07 | 7 |
| Mazda CX-30cheapest Sompo | S$3,656.31 | S$4,398.96 | 5 |
| Kia Nirocheapest Sompo | S$3,165.95 | S$5,508.01 | 6 |
| Hyundai Ioniq 5cheapest Singlife | S$5,466.03 | S$6,683.02 | 2 |
| Mercedes-Benz A-Classcheapest Sompo | S$3,410.07 | S$4,545.58 | 6 |
| BMW X1cheapest Sompo | S$4,147.66 | S$4,850.98 | 7 |
| Audi A4cheapest Sompo | S$4,005.29 | S$5,828.25 | 7 |
| Volkswagen Golfcheapest Sompo | S$4,156.31 | S$4,715.01 | 7 |
| Mitsubishi Attragecheapest Sompo | S$3,694.09 | S$4,487.31 | 7 |
| Nissan Sylphycheapest Sompo | S$3,105.63 | S$4,981.82 | 7 |
| Kia Sportagecheapest Sompo | S$3,473.49 | S$4,832.02 | 4 |
| Toyota Harriercheapest Sompo | S$4,021.97 | S$5,879.24 | 7 |
| Toyota Noahcheapest Sompo | S$3,694.40 | S$5,785.89 | 5 |
| Honda Odysseycheapest Sompo | S$3,518.49 | S$5,278.83 | 7 |
| Mercedes-Benz GLCcheapest Sompo | S$3,819.23 | S$5,763.02 | 6 |
| BMW 5 Seriescheapest Sompo | S$4,596.54 | S$5,868.40 | 7 |
| Mitsubishi Outlandercheapest Sompo | S$4,131.61 | S$6,559.85 | 7 |
| Subaru Forestercheapest Sompo | S$3,473.49 | S$5,506.17 | 7 |
| MG 4cheapest Sompo | S$5,474.97 | S$5,988.40 | 2 |
| BYD Dolphincheapest AIG | S$5,156.50 | S$5,474.97 | 3 |
| Volvo XC40cheapest Sompo | S$4,186.07 | S$6,210.74 | 7 |
| Hyundai Tucsoncheapest Sompo | S$3,411.96 | S$5,178.27 | 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 |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$3,269.10 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$3,829.25 | S$600.00 |
| SinglifeMotor Lite | S$4,038.65 | S$3,000.00 |
| AIGAIG Car Insurance Collision Only | S$4,042.38 | S$600.00 |
| MS First CapitalComprehensive | S$4,336.75 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$5,652.73 | S$600.00 |
| UOIUniCar Comprehensive Value | S$6,737.95 | S$500.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged 25 or over); 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 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 drivers with at least 2 years of driving experience).
See this quote on the results page, or every plan for the Toyota Corolla Altis 1.6 at our standard driver.
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Compare car insurance with your own details.
Questions people ask
How much is car insurance for a 23-year-old new driver in Singapore?
On today's prices, from S$2,934.43 a year (Toyota Yaris at India International) to S$6,483.78 (Tesla Model 3) at the cheapest insurer for each car; the middle car is S$3,694.09. That is for a driver aged 23, 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 23-year-old new driver pay more than a typical driver?
On the middle car today this driver pays 4.9 times what a 40-year-old with a 50% NCD and no claims pays: S$3,694.09 against S$746.42.
Which insurer is cheapest for a 23-year-old new driver?
Sompo has the lowest price on 43 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 23-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); 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 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 drivers with at least 2 years of driving experience).
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.