Typical car insurance quotes
Car insurance quotes after two claims
What popular cars cost to insure today for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, 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$1,760.15 a year at India International.
- The middle car's lowest price is S$2,685.74; the dearest, the MG 4, is from S$7,165.29.
- That is 3.6 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 India International | S$2,385.75 | S$2,591.00 | 5 |
| Honda Vezelcheapest Liberty | S$2,378.46 | S$2,665.91 | 4 |
| Honda Civiccheapest India International | S$2,385.75 | S$2,698.57 | 5 |
| Mazda 3cheapest ECICS | S$2,719.62 | S$2,979.40 | 3 |
| Hyundai Avantecheapest India International | S$2,316.52 | S$2,843.13 | 5 |
| Kia Ceratocheapest Liberty | S$2,450.34 | S$2,513.92 | 5 |
| Toyota Yaris Crosscheapest India International | S$2,249.86 | S$2,661.78 | 5 |
| Honda Jazz / Fitcheapest India International | S$2,316.52 | S$2,567.86 | 5 |
| Toyota Sientacheapest India International | S$2,249.86 | S$2,691.14 | 5 |
| Honda Freedcheapest India International | S$2,385.75 | S$2,655.73 | 4 |
| Nissan Serenacheapest India International | S$2,685.74 | S$3,193.82 | 5 |
| Toyota Corolla Crosscheapest ECICS | S$2,889.37 | S$3,294.74 | 3 |
| Toyota Camrycheapest Singlife | S$3,002.79 | S$3,404.81 | 5 |
| Mazda CX-5cheapest India International | S$2,685.74 | S$3,011.42 | 5 |
| Nissan X-Trailcheapest India International | S$2,685.74 | S$2,983.50 | 5 |
| Toyota Alphardcheapest India International | S$2,849.83 | S$3,155.35 | 5 |
| BYD Atto 3cheapest ECICS | S$3,627.61 | S$3,733.20 | 3 |
| BYD Sealcheapest ECICS | S$3,830.73 | S$4,313.37 | 3 |
| Tesla Model 3cheapest ECICS | S$3,627.59 | S$4,336.54 | 3 |
| Tesla Model Ycheapest ECICS | S$3,731.22 | S$4,601.09 | 3 |
| Hyundai Konacheapest India International | S$2,685.74 | S$2,786.60 | 4 |
| BMW 3 Seriescheapest Singlife | S$3,204.07 | S$4,237.76 | 5 |
| Mercedes-Benz C-Classcheapest Etiqa | S$2,492.92 | S$2,696.72 | 4 |
| Mercedes-Benz E-Classcheapest Singlife | S$2,951.63 | S$3,085.30 | 4 |
| Toyota Priuscheapest Singlife | S$2,921.95 | S$3,098.82 | 5 |
| Toyota Yarischeapest India International | S$1,760.15 | S$2,132.61 | 3 |
| Honda HR-Vcheapest Liberty | S$2,378.46 | S$2,666.28 | 5 |
| Honda CR-Vcheapest India International | S$2,385.75 | S$2,925.86 | 4 |
| Toyota C-HRcheapest India International | S$2,058.85 | S$2,570.53 | 5 |
| Mazda CX-30cheapest India International | S$2,685.74 | S$2,935.97 | 4 |
| Kia Nirocheapest Singlife | S$2,638.17 | S$2,935.59 | 4 |
| Hyundai Ioniq 5cheapest Etiqa | S$3,119.96 | S$3,327.54 | 2 |
| Mercedes-Benz A-Classcheapest ECICS | S$2,666.28 | S$2,838.70 | 4 |
| BMW X1cheapest ECICS | S$2,532.94 | S$3,022.89 | 5 |
| Audi A4cheapest Liberty | S$3,109.01 | S$3,207.49 | 5 |
| Volkswagen Golfcheapest Etiqa | S$2,415.94 | S$2,719.63 | 5 |
| Mitsubishi Attragecheapest India International | S$2,316.52 | S$2,711.26 | 5 |
| Nissan Sylphycheapest India International | S$2,316.52 | S$2,693.49 | 5 |
| Kia Sportagecheapest Singlife | S$2,578.74 | S$2,851.54 | 2 |
| Toyota Harriercheapest India International | S$2,766.49 | S$2,927.17 | 5 |
| Toyota Noahcheapest Etiqa | S$3,269.51 | S$3,480.21 | 3 |
| Honda Odysseycheapest Liberty | S$2,615.20 | S$3,022.89 | 5 |
| Mercedes-Benz GLCcheapest Singlife | S$2,919.11 | S$3,412.37 | 4 |
| BMW 5 Seriescheapest ECICS | S$3,146.22 | S$3,207.49 | 5 |
| Mitsubishi Outlandercheapest ECICS | S$3,112.19 | S$3,311.28 | 5 |
| Subaru Forestercheapest Singlife | S$3,060.02 | S$3,458.55 | 5 |
| MG 4cheapest Etiqa | S$7,165.29 | S$7,165.29 | 1 |
| BYD Dolphincheapest ECICS | S$2,705.16 | S$3,750.76 | 3 |
| Volvo XC40cheapest Etiqa | S$3,273.72 | S$3,532.48 | 5 |
| Hyundai Tucsoncheapest India International | S$2,316.52 | S$2,843.12 | 5 |
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 |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,385.75 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,466.41 | S$2,500.00 |
| SinglifeMotor Lite | S$2,591.00 | S$3,000.00 |
| ECICSComprehensive | S$2,843.12 | S$750.00 |
| LibertyComprehensive Preferred Plan | S$2,845.31 | S$600.00 |
No online price for this driver: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).
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, MSIG 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 driver with two claims in Singapore?
On today's prices, from S$1,760.15 a year (Toyota Yaris at India International) to S$7,165.29 (MG 4) at the cheapest insurer for each car; the middle car is S$2,685.74. That is for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.
Does a driver with two claims pay more than a typical driver?
On the middle car today this driver pays 3.6 times what a 40-year-old with a 50% NCD and no claims pays: S$2,685.74 against S$746.42.
Which insurer is cheapest for a driver with two claims?
India International has the lowest price on 20 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 driver with two claims online?
For this driver on a Toyota Corolla Altis 1.6: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).
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.