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Typical car insurance quotes

Car insurance quotes for a 46-year-old driver

What popular cars cost to insure today for a driver aged 46, married, driving 16 years, a 50% no-claim discount, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.

By , Writer · Prices as of 12 Nov 2026, GST included.

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 46-year-old with a 50% NCD costs from S$562.31 a year (Nissan Sylphy at Allianz) to a lowest price of S$1,010.94 (BMW 3 Series), GST included.

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/age-46-50-ncd

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 Nissan Sylphy, from S$562.31 a year at Allianz.
  • The middle car's lowest price is S$763.00; the dearest, the BMW 3 Series, is from S$1,010.94.
  • That is about the same as what a 40-year-old with a 50% NCD and no claims pays (S$763.00).

Car by car

Each car's lowest premium and the middle insurer's lowest (typical), GST included. Open a price to see the quote with these answers.
CarLowestTypicalInsurers
Toyota Corolla Altischeapest HL AssuranceS$720.72S$841.0714
Honda Vezelcheapest AllianzS$621.03S$888.7314
Honda Civiccheapest ECICSS$763.00S$892.3314
Mazda 3cheapest HL AssuranceS$737.86S$958.1012
Hyundai Avantecheapest ECICSS$763.00S$965.2714
Kia Ceratocheapest AllianzS$757.76S$908.2214
Toyota Yaris Crosscheapest HL AssuranceS$711.53S$867.6713
Honda Jazz / Fitcheapest AllianzS$598.72S$816.1315
Toyota Sientacheapest HL AssuranceS$681.39S$850.4014
Honda Freedcheapest AllianzS$646.90S$852.2813
Nissan Serenacheapest ECICSS$763.00S$1,002.8412
Toyota Corolla Crosscheapest ECICSS$763.00S$1,019.6011
Toyota Camrycheapest AllianzS$798.43S$995.4915
Mazda CX-5cheapest ECICSS$808.55S$1,055.2714
Nissan X-Trailcheapest AllianzS$592.71S$1,075.0815
Toyota Alphardcheapest ECICSS$832.53S$974.3314
BYD Atto 3cheapest AllianzS$810.68S$1,305.308
BYD Sealcheapest ECICSS$964.77S$1,658.158
Tesla Model 3cheapest AllianzS$697.58S$1,374.988
Tesla Model Ycheapest AllianzS$796.24S$1,409.898
Hyundai Konacheapest ECICSS$763.00S$973.5412
BMW 3 Seriescheapest HL AssuranceS$1,010.94S$1,202.6515
Mercedes-Benz C-Classcheapest EtiqaS$734.37S$866.9014
Mercedes-Benz E-Classcheapest ECICSS$857.06S$980.2013
Toyota Priuscheapest AllianzS$728.85S$954.9514
Toyota Yarischeapest HL AssuranceS$633.69S$742.608
Honda HR-Vcheapest AllianzS$646.90S$957.0114
Honda CR-Vcheapest AllianzS$646.90S$932.5613
Toyota C-HRcheapest HL AssuranceS$696.55S$788.7914
Mazda CX-30cheapest ECICSS$808.55S$1,012.0112
Kia Nirocheapest AllianzS$563.56S$981.0214
Hyundai Ioniq 5cheapest EtiqaS$935.74S$1,314.466
Mercedes-Benz A-Classcheapest ERGOS$755.55S$868.7514
BMW X1cheapest ECICSS$763.00S$1,053.5615
Audi A4cheapest ECICSS$824.73S$1,140.5615
Volkswagen Golfcheapest EtiqaS$725.12S$987.5514
Mitsubishi Attragecheapest EtiqaS$713.30S$856.4614
Nissan Sylphycheapest AllianzS$562.31S$866.6315
Kia Sportagecheapest AllianzS$728.51S$939.7911
Toyota Harriercheapest ECICSS$763.00S$1,026.3914
Toyota Noahcheapest AllianzS$741.47S$983.8611
Honda Odysseycheapest ECICSS$763.00S$984.2915
Mercedes-Benz GLCcheapest EtiqaS$905.60S$1,021.5914
BMW 5 Seriescheapest ECICSS$792.38S$1,223.6415
Mitsubishi Outlandercheapest ECICSS$783.81S$1,136.2415
Subaru Forestercheapest AllianzS$766.38S$1,078.3415
MG 4cheapest AllianzS$798.22S$1,343.526
BYD Dolphincheapest AllianzS$762.85S$1,265.768
Volvo XC40cheapest AllianzS$904.22S$1,146.4214
Hyundai Tucsoncheapest ECICSS$763.00S$994.7114

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.

The cheapest plan at each insurer, with its own-damage excess (what you pay towards each claim) and three covers in short. The plan's own wording decides.
InsurerPremiumExcessWorkshopWindscreenPersonal accident
HL AssuranceCar Protect360 ComprehensiveBuy NowS$720.72S$1,200.00Any workshopYes, S$100 excessS$20,000
EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy NowS$738.83S$2,500.00Authorised workshopsYes, S$100 excessS$50,000
Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy NowS$751.11S$700.00Authorised workshopsYes, S$100 excessS$20,000
ECICSComprehensiveBuy NowS$763.00S$5,000.00Authorised workshopsYes, S$100 excessS$50,000
ERGOSMART ComprehensiveBuy NowS$790.88S$500.00Authorised workshopsYes, S$100 excessS$50,000
SompoComprehensive Cover – Authorised Workshop PlanBuy NowS$830.39S$600.00Authorised workshopsYesS$50,000
AIGAIG Car Insurance CompleteBuy NowS$833.45S$600.00Authorised workshopsYes, S$109 excessNot included
MS First CapitalComprehensiveBuy NowS$848.68S$500.00Any workshopYes, S$100 excessS$20,000
AllianzAllianz Motor Protect ComprehensiveBuy NowS$873.70S$2,000.00Authorised workshopsYes, S$100 excessNot included
Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy NowS$884.21S$600.00Authorised workshopsYes, S$100 excessS$120,000
UOIUniCar Comprehensive ValueBuy NowS$1,106.86S$500.00Authorised workshopsYesS$20,000
SinglifeMotor LiteBuy NowS$1,139.60S$300.00Authorised workshopsYes, S$100 excessNot included
LibertyComprehensive Preferred PlanBuy NowS$1,174.76S$600.00Authorised workshopsYes, S$100 excessS$50,000
QBEPrivate Motor Prestige ComprehensiveBuy NowS$1,510.74S$3,000.00Authorised workshopsYes, no excessS$20,000

No online price for this driver: 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).

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

Today's lowest price for this driver on a Toyota Corolla Altis 1.6 after one change.
ChangeLowest priceDifference
Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel.S$842.17+S$121.45
Third party, fire and theftNo cover for damage to your own car in an accident you cause.S$600.28−S$120.44
Add an NCD protectorKeeps the 50% NCD after one claim.S$763.00+S$42.28

Why it costs this

For this driver on a Toyota Corolla Altis 1.6:

  • The car matters too: insurers group models by value, repair costs and claims; the Toyota Corolla Altis has a 1,598cc engine.
  • 1 insurer does not quote this driver online on this car: 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).

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.

Questions people ask

How much is car insurance for a 46-year-old with a 50% NCD in Singapore?

On today's prices, from S$562.31 a year (Nissan Sylphy at Allianz) to S$1,010.94 (BMW 3 Series) at the cheapest insurer for each car; the middle car is S$763.00. That is for a driver aged 46, married, driving 16 years, a 50% no-claim discount, on a 3-year-old car, private use, comprehensive cover, repairs at an authorised workshop, office job, no options.

Does a 46-year-old with a 50% NCD pay more than a typical driver?

On the middle car today this driver pays about the same as what a 40-year-old with a 50% NCD and no claims pays: S$763.00 against S$763.00.

Which insurer is cheapest for a 46-year-old with a 50% NCD?

Allianz 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 46-year-old with a 50% NCD online?

For this driver on a Toyota Corolla Altis 1.6: 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).

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.