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Typical car insurance quotes

Car insurance quotes for a 54-year-old driver

What popular cars cost to insure today for a driver aged 54, married, driving more than 20 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 54-year-old with a 50% NCD costs from S$615.73 a year (Nissan Sylphy at Allianz) to a lowest price of S$1,101.11 (BYD Seal), GST included.

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/age-54-50-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$615.73 a year at Allianz.
  • The middle car's lowest price is S$797.90; the dearest, the BYD Seal, is from S$1,101.11.
  • That is 5% more than 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$758.25S$877.6514
Honda Vezelcheapest AllianzS$680.02S$979.8014
Honda Civiccheapest ECICSS$763.00S$966.8814
Mazda 3cheapest HL AssuranceS$776.29S$1,012.8212
Hyundai Avantecheapest HL AssuranceS$816.97S$1,021.7314
Kia Ceratocheapest ECICSS$763.00S$970.2914
Toyota Yaris Crosscheapest HL AssuranceS$748.59S$909.6213
Honda Jazz / Fitcheapest AllianzS$655.59S$897.1914
Toyota Sientacheapest HL AssuranceS$716.87S$915.5214
Honda Freedcheapest AllianzS$708.35S$909.6213
Nissan Serenacheapest ECICSS$858.21S$1,071.9912
Toyota Corolla Crosscheapest ECICSS$830.53S$1,133.6511
Toyota Camrycheapest AllianzS$874.27S$1,179.9714
Mazda CX-5cheapest AllianzS$903.69S$1,158.1614
Nissan X-Trailcheapest AllianzS$649.01S$1,079.3115
Toyota Alphardcheapest HL AssuranceS$927.49S$1,106.6214
BYD Atto 3cheapest AllianzS$887.68S$1,370.838
BYD Sealcheapest ECICSS$1,101.11S$1,754.008
Tesla Model 3cheapest AllianzS$763.84S$1,518.578
Tesla Model Ycheapest AllianzS$871.87S$1,558.788
Hyundai Konacheapest ECICSS$774.22S$1,013.1312
BMW 3 Seriescheapest HL AssuranceS$1,063.59S$1,244.6815
Mercedes-Benz C-Classcheapest ECICSS$763.00S$962.0714
Mercedes-Benz E-Classcheapest SompoS$943.47S$1,164.2912
Toyota Priuscheapest AllianzS$798.08S$1,091.9013
Toyota Yarischeapest HL AssuranceS$666.70S$775.268
Honda HR-Vcheapest AllianzS$708.35S$979.9014
Honda CR-Vcheapest AllianzS$708.35S$987.9113
Toyota C-HRcheapest MS First CapitalS$732.09S$877.8714
Mazda CX-30cheapest AllianzS$903.69S$1,108.7012
Kia Nirocheapest AllianzS$617.09S$1,036.7514
Hyundai Ioniq 5cheapest AllianzS$1,048.26S$1,453.146
Mercedes-Benz A-Classcheapest ECICSS$766.39S$954.3914
BMW X1cheapest ECICSS$763.00S$1,075.0915
Audi A4cheapest ECICSS$941.26S$1,315.0914
Volkswagen Golfcheapest ECICSS$781.73S$1,074.4314
Mitsubishi Attragecheapest ECICSS$825.83S$891.2014
Nissan Sylphycheapest AllianzS$615.73S$983.8615
Kia Sportagecheapest AllianzS$797.71S$1,068.8911
Toyota Harriercheapest ECICSS$830.53S$1,106.4514
Toyota Noahcheapest AllianzS$811.90S$1,115.1811
Honda Odysseycheapest ECICSS$788.76S$1,172.9615
Mercedes-Benz GLCcheapest HL AssuranceS$992.38S$1,186.7414
BMW 5 Seriescheapest ECICSS$904.35S$1,310.9914
Mitsubishi Outlandercheapest ECICSS$894.56S$1,238.3414
Subaru Forestercheapest AllianzS$839.18S$1,193.8315
MG 4cheapest AllianzS$874.05S$1,425.366
BYD Dolphincheapest ECICSS$777.56S$1,329.248
Volvo XC40cheapest AllianzS$990.11S$1,285.1514
Hyundai Tucsoncheapest HL AssuranceS$816.97S$1,058.4814

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$758.25S$1,200.00Any workshopYes, S$100 excessS$20,000
ECICSComprehensiveBuy NowS$817.23S$5,000.00Authorised workshopsYes, S$100 excessS$50,000
ERGOSMART ComprehensiveBuy NowS$829.07S$500.00Authorised workshopsYes, S$100 excessS$50,000
MS First CapitalComprehensiveBuy NowS$848.68S$500.00Any workshopYes, S$100 excessS$20,000
Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy NowS$858.42S$700.00Authorised workshopsYes, S$100 excessS$20,000
EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy NowS$871.13S$2,500.00Authorised workshopsYes, S$100 excessS$50,000
AIGAIG Car Insurance Collision OnlyBuy NowS$872.00S$600.00Authorised workshopsOptional add-onNot included
SompoComprehensive Cover – Authorised Workshop PlanBuy NowS$883.29S$600.00Authorised workshopsYesS$50,000
Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy NowS$926.95S$600.00Authorised workshopsYes, S$100 excessS$120,000
AllianzAllianz Motor Protect ComprehensiveBuy NowS$956.69S$2,000.00Authorised workshopsYes, S$100 excessNot included
UOIUniCar Comprehensive ValueBuy NowS$1,191.88S$500.00Authorised workshopsYesS$20,000
SinglifeMotor LiteBuy NowS$1,210.53S$300.00Authorised workshopsYes, S$100 excessNot included
LibertyComprehensive Preferred PlanBuy NowS$1,291.16S$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$848.68+S$90.43
Third party, fire and theftNo cover for damage to your own car in an accident you cause.S$613.11−S$145.14
Add an NCD protectorKeeps the 50% NCD after one claim.S$817.23+S$58.98

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 54-year-old with a 50% NCD in Singapore?

On today's prices, from S$615.73 a year (Nissan Sylphy at Allianz) to S$1,101.11 (BYD Seal) at the cheapest insurer for each car; the middle car is S$797.90. That is for a driver aged 54, married, driving more than 20 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 54-year-old with a 50% NCD pay more than a typical driver?

On the middle car today this driver pays 5% more than what a 40-year-old with a 50% NCD and no claims pays: S$797.90 against S$763.00.

Which insurer is cheapest for a 54-year-old with a 50% NCD?

Allianz has the lowest price on 21 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 54-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.