Typical car insurance quotes
Car insurance quotes for a 74-year-old driver
What popular cars cost to insure today for a driver aged 74, 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.
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 74-year-old with a 50% NCD costs from S$635.96 a year (Nissan Sylphy at Allianz) to a lowest price of S$1,285.57 (BMW 3 Series), GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/age-74-50-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$635.96 a year at Allianz.
- The middle car's lowest price is S$901.35; the dearest, the BMW 3 Series, is from S$1,285.57.
- That is 18% more than 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 ERGO | S$870.52 | S$988.12 | 7 |
| Honda Vezelcheapest Allianz | S$702.37 | S$1,082.23 | 7 |
| Honda Civiccheapest Allianz | S$934.94 | S$1,222.21 | 7 |
| Mazda 3cheapest Allianz | S$838.83 | S$1,114.68 | 5 |
| Hyundai Avantecheapest Etiqa | S$976.84 | S$1,125.28 | 7 |
| Kia Ceratocheapest Allianz | S$857.01 | S$1,114.69 | 7 |
| Toyota Yaris Crosscheapest Etiqa | S$921.16 | S$1,130.93 | 6 |
| Honda Jazz / Fitcheapest Allianz | S$677.13 | S$1,013.77 | 8 |
| Toyota Sientacheapest MS First Capital | S$906.35 | S$967.49 | 7 |
| Honda Freedcheapest Allianz | S$731.63 | S$1,058.60 | 7 |
| Nissan Serenacheapest Etiqa | S$1,114.96 | S$1,299.73 | 6 |
| Toyota Corolla Crosscheapest Allianz | S$876.70 | S$1,535.82 | 5 |
| Toyota Camrycheapest Allianz | S$903.00 | S$1,294.14 | 8 |
| Mazda CX-5cheapest Allianz | S$933.38 | S$1,481.18 | 7 |
| Nissan X-Trailcheapest Allianz | S$670.34 | S$1,349.26 | 8 |
| Toyota Alphardcheapest ERGO | S$988.78 | S$1,239.99 | 7 |
| BYD Atto 3cheapest Allianz | S$916.84 | S$1,477.10 | 4 |
| BYD Sealcheapest Allianz | S$1,260.37 | S$1,807.27 | 4 |
| Tesla Model 3cheapest Allianz | S$788.94 | S$1,582.37 | 4 |
| Tesla Model Ycheapest Allianz | S$900.51 | S$1,595.76 | 4 |
| Hyundai Konacheapest Allianz | S$926.94 | S$1,090.95 | 6 |
| BMW 3 Seriescheapest Allianz | S$1,285.57 | S$1,418.74 | 8 |
| Mercedes-Benz C-Classcheapest Etiqa | S$902.19 | S$958.87 | 7 |
| Mercedes-Benz E-Classcheapest Allianz | S$1,047.08 | S$1,368.92 | 6 |
| Toyota Priuscheapest Allianz | S$824.30 | S$1,190.81 | 8 |
| Toyota Yarischeapest ERGO | S$727.72 | S$774.09 | 4 |
| Honda HR-Vcheapest Allianz | S$731.63 | S$1,090.78 | 8 |
| Honda CR-Vcheapest Allianz | S$731.63 | S$1,113.16 | 8 |
| Toyota C-HRcheapest MS First Capital | S$805.29 | S$945.34 | 7 |
| Mazda CX-30cheapest Allianz | S$933.38 | S$1,481.94 | 5 |
| Kia Nirocheapest Allianz | S$637.37 | S$1,311.59 | 7 |
| Hyundai Ioniq 5cheapest Allianz | S$1,082.70 | S$1,412.63 | 4 |
| Mercedes-Benz A-Classcheapest ERGO | S$830.64 | S$1,082.23 | 7 |
| BMW X1cheapest ERGO | S$1,114.11 | S$1,466.33 | 7 |
| Audi A4cheapest MS First Capital | S$1,254.60 | S$1,601.09 | 7 |
| Volkswagen Golfcheapest Etiqa | S$864.89 | S$1,193.54 | 7 |
| Mitsubishi Attragecheapest Allianz | S$855.24 | S$1,007.56 | 7 |
| Nissan Sylphycheapest Allianz | S$635.96 | S$1,067.31 | 8 |
| Kia Sportagecheapest Allianz | S$823.92 | S$1,161.44 | 5 |
| Toyota Harriercheapest ERGO | S$1,005.98 | S$1,490.50 | 7 |
| Toyota Noahcheapest Allianz | S$838.57 | S$1,290.75 | 6 |
| Honda Odysseycheapest Allianz | S$873.75 | S$1,290.66 | 8 |
| Mercedes-Benz GLCcheapest Etiqa | S$1,105.30 | S$1,370.93 | 7 |
| BMW 5 Seriescheapest Allianz | S$1,263.69 | S$1,478.64 | 7 |
| Mitsubishi Outlandercheapest Allianz | S$1,196.30 | S$1,503.73 | 7 |
| Subaru Forestercheapest Allianz | S$866.75 | S$1,424.50 | 8 |
| MG 4cheapest Allianz | S$902.77 | S$1,648.92 | 3 |
| BYD Dolphincheapest Allianz | S$862.76 | S$1,437.34 | 4 |
| Volvo XC40cheapest Allianz | S$1,022.64 | S$1,543.01 | 7 |
| Hyundai Tucsoncheapest Etiqa | S$1,001.23 | S$1,272.09 | 7 |
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 |
|---|---|---|---|---|---|
| ERGOSMART ComprehensiveBuy Now | S$870.52 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$916.91 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| MS First CapitalComprehensiveBuy Now | S$933.54 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$988.12 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$1,024.64 | S$600.00 | Authorised workshops | Optional add-on | Not included |
| SinglifeMotor LiteBuy Now | S$1,271.11 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| LibertyComprehensive Preferred PlanBuy Now | S$1,465.74 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great American (This insurer's online price is for main drivers aged up to 65); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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$933.54 | +S$63.02 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$674.42 | −S$196.10 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$870.52 | the same |
Why it costs this
For this driver on a Toyota Corolla Altis 1.6:
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 22% more than what a 40-year-old with the same 50% NCD pays (S$713.21).
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Corolla Altis has a 1,598cc engine.
- 8 insurers do not quote this driver online on this car: DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great American (This insurer's online price is for main drivers aged up to 65); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=toyota&model=toyota-corolla-altis-1-6&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1952-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- 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=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1952-11-12&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=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1952-11-12&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=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1952-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is car insurance for a 74-year-old with a 50% NCD in Singapore?
On today's prices, from S$635.96 a year (Nissan Sylphy at Allianz) to S$1,285.57 (BMW 3 Series) at the cheapest insurer for each car; the middle car is S$901.35. That is for a driver aged 74, 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 74-year-old with a 50% NCD pay more than a typical driver?
On the middle car today this driver pays 18% more than what a 40-year-old with a 50% NCD and no claims pays: S$901.35 against S$763.00.
Which insurer is cheapest for a 74-year-old with a 50% NCD?
Allianz has the lowest price on 34 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 74-year-old with a 50% NCD online?
For this driver on a Toyota Corolla Altis 1.6: DirectAsia (This insurer's online price is for main drivers aged up to 70); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great American (This insurer's online price is for main drivers aged up to 65); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.