Typical car insurance quotes
Car insurance quotes with a Certificate of Merit
What popular cars cost to insure today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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$545.00 a year at India International.
- The middle car's lowest price is S$725.29; the dearest, the MG 4, is from S$989.43.
- That is 3% less than 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$642.42 | S$849.23 | 14 |
| Honda Vezelcheapest Allianz | S$769.79 | S$880.72 | 13 |
| Honda Civiccheapest India International | S$642.42 | S$916.58 | 14 |
| Mazda 3cheapest HL Assurance | S$693.67 | S$954.95 | 11 |
| Hyundai Avantecheapest India International | S$622.34 | S$945.16 | 14 |
| Kia Ceratocheapest India International | S$660.69 | S$897.57 | 14 |
| Toyota Yaris Crosscheapest India International | S$604.07 | S$927.34 | 13 |
| Honda Jazz / Fitcheapest India International | S$622.34 | S$814.64 | 14 |
| Toyota Sientacheapest India International | S$604.07 | S$854.23 | 14 |
| Honda Freedcheapest India International | S$642.42 | S$858.15 | 13 |
| Nissan Serenacheapest India International | S$721.59 | S$981.52 | 12 |
| Toyota Corolla Crosscheapest HL Assurance | S$774.53 | S$1,008.39 | 11 |
| Toyota Camrycheapest HL Assurance | S$828.77 | S$1,043.48 | 14 |
| Mazda CX-5cheapest India International | S$721.59 | S$1,034.09 | 14 |
| Nissan X-Trailcheapest India International | S$721.59 | S$1,142.98 | 14 |
| Toyota Alphardcheapest India International | S$764.82 | S$1,023.74 | 14 |
| BYD Atto 3cheapest AIG | S$760.00 | S$1,259.04 | 8 |
| BYD Sealcheapest AIG | S$828.74 | S$1,564.82 | 8 |
| Tesla Model 3cheapest Allianz | S$864.68 | S$1,322.42 | 8 |
| Tesla Model Ycheapest Allianz | S$986.97 | S$1,356.99 | 8 |
| Hyundai Konacheapest India International | S$721.59 | S$945.71 | 13 |
| BMW 3 Seriescheapest HL Assurance | S$950.38 | S$1,201.93 | 14 |
| Mercedes-Benz C-Classcheapest Etiqa | S$725.34 | S$862.51 | 13 |
| Mercedes-Benz E-Classcheapest Etiqa | S$856.72 | S$1,030.32 | 12 |
| Toyota Priuscheapest HL Assurance | S$725.24 | S$971.71 | 14 |
| Toyota Yarischeapest India International | S$545.00 | S$664.39 | 9 |
| Honda HR-Vcheapest India International | S$642.42 | S$910.54 | 14 |
| Honda CR-Vcheapest India International | S$642.42 | S$928.76 | 13 |
| Toyota C-HRcheapest India International | S$552.91 | S$819.31 | 14 |
| Mazda CX-30cheapest India International | S$721.59 | S$1,028.61 | 12 |
| Kia Nirocheapest Allianz | S$698.56 | S$938.25 | 13 |
| Hyundai Ioniq 5cheapest Etiqa | S$923.94 | S$1,240.88 | 6 |
| Mercedes-Benz A-Classcheapest ERGO | S$755.55 | S$866.20 | 13 |
| BMW X1cheapest HL Assurance | S$764.61 | S$1,028.11 | 14 |
| Audi A4cheapest India International | S$861.03 | S$1,137.65 | 14 |
| Volkswagen Golfcheapest India International | S$700.28 | S$987.55 | 14 |
| Mitsubishi Attragecheapest India International | S$622.34 | S$862.65 | 14 |
| Nissan Sylphycheapest India International | S$622.34 | S$880.25 | 14 |
| Kia Sportagecheapest Allianz | S$723.81 | S$945.78 | 10 |
| Toyota Harriercheapest India International | S$742.90 | S$1,006.88 | 14 |
| Toyota Noahcheapest MS First Capital | S$900.37 | S$1,000.04 | 11 |
| Honda Odysseycheapest India International | S$811.71 | S$992.23 | 14 |
| Mercedes-Benz GLCcheapest HL Assurance | S$886.76 | S$1,102.26 | 13 |
| BMW 5 Seriescheapest India International | S$861.03 | S$1,196.26 | 14 |
| Mitsubishi Outlandercheapest India International | S$861.03 | S$1,149.28 | 14 |
| Subaru Forestercheapest Allianz | S$761.44 | S$1,070.82 | 14 |
| MG 4cheapest Allianz | S$989.43 | S$1,294.98 | 6 |
| BYD Dolphincheapest AIG | S$757.53 | S$1,221.88 | 8 |
| Volvo XC40cheapest India International | S$886.61 | S$1,152.32 | 14 |
| Hyundai Tucsoncheapest India International | S$622.34 | S$962.31 | 14 |
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$642.42 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$677.54 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$704.99 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$729.53 | S$2,500.00 |
| MS First CapitalComprehensive | S$776.66 | S$500.00 |
| ERGOSMART Comprehensive | S$790.88 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$830.39 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$868.06 | S$2,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$874.49 | S$600.00 |
| ECICSComprehensive | S$895.05 | S$750.00 |
| SinglifeMotor Lite | S$928.89 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,106.86 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,116.57 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,330.89 | S$3,000.00 |
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 a Certificate of Merit in Singapore?
On today's prices, from S$545.00 a year (Toyota Yaris at India International) to S$989.43 (MG 4) at the cheapest insurer for each car; the middle car is S$725.29. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.
Does a driver with a Certificate of Merit pay more than a typical driver?
On the middle car today this driver pays 3% less than what a 40-year-old with a 50% NCD and no claims pays: S$725.29 against S$746.42.
Which insurer is cheapest for a driver with a Certificate of Merit?
India International has the lowest price on 28 of the 50 cars here today. The cheapest insurer changes with the car and your details, so compare with your own.
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.