Typical car insurance quotes
Car insurance quotes for a 47-year-old driver
What popular cars cost to insure today for a driver aged 47, married, driving 17 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.
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 47-year-old with a 50% NCD costs from S$567.00 a year (Nissan Sylphy at Allianz) to a lowest price of S$1,010.95 (BMW 3 Series), GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/age-47-50-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$567.00 a year at Allianz.
- The middle car's lowest price is S$763.00; the dearest, the BMW 3 Series, is from S$1,010.95.
- 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
| Car | Lowest | Typical | Insurers |
|---|---|---|---|
| Toyota Corolla Altischeapest HL Assurance | S$720.73 | S$839.54 | 14 |
| Honda Vezelcheapest Allianz | S$626.21 | S$892.93 | 14 |
| Honda Civiccheapest ECICS | S$763.00 | S$892.33 | 14 |
| Mazda 3cheapest HL Assurance | S$737.88 | S$958.10 | 12 |
| Hyundai Avantecheapest ECICS | S$763.00 | S$974.66 | 14 |
| Kia Ceratocheapest ECICS | S$763.00 | S$913.43 | 14 |
| Toyota Yaris Crosscheapest HL Assurance | S$711.54 | S$877.20 | 13 |
| Honda Jazz / Fitcheapest Allianz | S$603.72 | S$816.13 | 15 |
| Toyota Sientacheapest HL Assurance | S$681.39 | S$857.21 | 14 |
| Honda Freedcheapest Allianz | S$652.31 | S$859.08 | 13 |
| Nissan Serenacheapest ECICS | S$763.00 | S$1,018.09 | 12 |
| Toyota Corolla Crosscheapest ECICS | S$763.00 | S$1,030.79 | 11 |
| Toyota Camrycheapest Allianz | S$805.09 | S$1,010.11 | 15 |
| Mazda CX-5cheapest ECICS | S$808.55 | S$1,069.44 | 14 |
| Nissan X-Trailcheapest Allianz | S$597.66 | S$1,075.08 | 15 |
| Toyota Alphardcheapest ECICS | S$832.53 | S$985.59 | 14 |
| BYD Atto 3cheapest Allianz | S$817.44 | S$1,312.47 | 8 |
| BYD Sealcheapest ECICS | S$964.77 | S$1,658.16 | 8 |
| Tesla Model 3cheapest Allianz | S$703.40 | S$1,383.68 | 8 |
| Tesla Model Ycheapest Allianz | S$802.88 | S$1,419.02 | 8 |
| Hyundai Konacheapest ECICS | S$763.00 | S$978.75 | 12 |
| BMW 3 Seriescheapest HL Assurance | S$1,010.95 | S$1,202.65 | 15 |
| Mercedes-Benz C-Classcheapest Etiqa | S$745.29 | S$866.90 | 14 |
| Mercedes-Benz E-Classcheapest ECICS | S$857.06 | S$980.20 | 13 |
| Toyota Priuscheapest Allianz | S$734.93 | S$963.86 | 14 |
| Toyota Yarischeapest HL Assurance | S$633.70 | S$742.60 | 8 |
| Honda HR-Vcheapest Allianz | S$652.31 | S$962.12 | 14 |
| Honda CR-Vcheapest Allianz | S$652.31 | S$932.56 | 13 |
| Toyota C-HRcheapest HL Assurance | S$696.56 | S$789.81 | 14 |
| Mazda CX-30cheapest ECICS | S$808.55 | S$1,017.99 | 12 |
| Kia Nirocheapest Allianz | S$568.26 | S$986.22 | 14 |
| Hyundai Ioniq 5cheapest Etiqa | S$950.07 | S$1,327.36 | 6 |
| Mercedes-Benz A-Classcheapest ERGO | S$755.55 | S$868.75 | 14 |
| BMW X1cheapest ECICS | S$763.00 | S$1,053.56 | 15 |
| Audi A4cheapest ECICS | S$824.73 | S$1,140.56 | 15 |
| Volkswagen Golfcheapest Etiqa | S$736.22 | S$987.55 | 14 |
| Mitsubishi Attragecheapest Etiqa | S$724.31 | S$861.05 | 14 |
| Nissan Sylphycheapest Allianz | S$567.00 | S$883.34 | 15 |
| Kia Sportagecheapest Allianz | S$734.59 | S$950.17 | 11 |
| Toyota Harriercheapest ECICS | S$763.00 | S$1,036.42 | 14 |
| Toyota Noahcheapest Allianz | S$747.65 | S$985.97 | 11 |
| Honda Odysseycheapest ECICS | S$763.00 | S$984.29 | 15 |
| Mercedes-Benz GLCcheapest Etiqa | S$918.85 | S$1,031.72 | 14 |
| BMW 5 Seriescheapest ECICS | S$792.38 | S$1,223.64 | 15 |
| Mitsubishi Outlandercheapest ECICS | S$783.81 | S$1,148.71 | 15 |
| Subaru Forestercheapest Allianz | S$772.77 | S$1,078.35 | 15 |
| MG 4cheapest Allianz | S$804.88 | S$1,350.70 | 6 |
| BYD Dolphincheapest ECICS | S$763.00 | S$1,272.94 | 8 |
| Volvo XC40cheapest ECICS | S$905.57 | S$1,157.66 | 14 |
| Hyundai Tucsoncheapest ECICS | S$763.00 | S$999.87 | 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 | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$720.73 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$723.90 | S$600.00 | Authorised workshops | Optional add-on | Not included |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$750.12 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy Now | S$751.11 | S$700.00 | Authorised workshops | Yes, S$100 excess | S$20,000 |
| ECICSComprehensiveBuy Now | S$763.00 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$790.88 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$830.39 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| MS First CapitalComprehensiveBuy Now | S$848.68 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$880.98 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$893.91 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$1,106.86 | S$500.00 | Authorised workshops | Yes | S$20,000 |
| SinglifeMotor LiteBuy Now | S$1,141.46 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| LibertyComprehensive Preferred PlanBuy Now | S$1,174.76 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,510.74 | S$3,000.00 | Authorised workshops | Yes, no excess | S$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
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$847.91 | +S$127.18 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$600.28 | −S$120.45 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$763.00 | +S$42.27 |
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.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- Great American, Motor Private Car Comprehensive (Authorised Workshop): https://shentonbrokers.com/go/buy/car/great-american/comprehensive-authorised-workshop?brand=toyota&model=toyota-corolla-altis-1-6&ncd=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ECICS, Comprehensive: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=toyota&model=toyota-corolla-altis-1-6&ncd=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- 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=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=toyota&model=toyota-corolla-altis-1-6&ncd=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&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=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=toyota&model=toyota-corolla-altis-1-6&ncd=50&licenceYears=17&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1979-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is car insurance for a 47-year-old with a 50% NCD in Singapore?
On today's prices, from S$567.00 a year (Nissan Sylphy at Allianz) to S$1,010.95 (BMW 3 Series) at the cheapest insurer for each car; the middle car is S$763.00. That is for a driver aged 47, married, driving 17 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 47-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 47-year-old with a 50% NCD?
ECICS 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 47-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.