Typical car insurance quotes
Audi S3 Sedan insurance for a 23-year-old new driver
Every insurer's price today for a driver aged 23, single, driving 1 year, no no-claim discount, on a 3-year-old Audi S3 Sedan 2.0 TFSI qu S tronic, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
On 28 Oct 2026, the cheapest comprehensive car insurance for a Audi S3 Sedan driven by a 23-year-old new driver is S$6,386.71 a year (GST included) at AIG, AIG Car Insurance Collision Only; 4 insurers quote this driver online, up to S$10,763.25 at UOI.
- 4 insurers quote this driver online; 10 do not.
- That is 5.7 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,113.54).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$6,386.71 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$7,729.63 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$8,521.03 | S$600.00 |
| UOIUniCar Comprehensive Value | S$10,763.25 | S$500.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income quote live there with your own answers, so they are not in this table.
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$9,275.50 | +S$2,888.79 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$5,587.66 | −S$799.05 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$4,588.88 | −S$1,797.83 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off. Young drivers, under about 26, pay a further loading at most insurers.
- The car matters too: insurers group models by value, repair costs and claims; the Audi S3 Sedan has a 1,984cc engine.
- 10 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The Audi S3 Sedan
- Priced as a Audi S3 Sedan 2.0 TFSI qu S tronic (1,984cc), registered 3 years ago.
- With a 1,984cc engine, above 1,600cc, the Audi S3 Sedan 2.0 TFSI qu S tronic needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,193.34 a year for a 1,984cc engine, before any surcharge for a car over 10 years old.
- For a 23-year-old new driver, the Audi S3 Sedan is the 564th cheapest of 587 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 162nd cheapest, 59% more than the middle price of S$4,017.96.
- Audi S3 Sedan review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz E-Class | S$3,491.85 | Sompo |
| Toyota Voxy | S$3,694.40 | Sompo |
| Mercedes-Benz GLC | S$3,819.23 | Sompo |
| Lexus NX | S$4,020.26 | Sompo |
| Toyota Harrier | S$4,021.97 | Sompo |
| BMW 3 Series | S$4,178.68 | Sompo |
| Lexus RX | S$4,336.14 | Sompo |
| BMW 5 Series | S$4,596.54 | Sompo |
How these prices are worked out
Each price is what the insurer charges today for these answers, GST included: from the rates 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 quotes this driver online. Budget Direct, DirectAsia, FWD, Income quote live with your own answers on our results page, so they are not in these figures. The figures for every driver on this car are in a CSV file, updated daily.
The Audi S3 Sedan for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Audi S3 Sedan insurance for a 23-year-old new driver?
From S$6,386.71 a year today at AIG, up to S$10,763.25 at UOI, across the 4 insurers that quote this driver online. That is for a driver aged 23, single, driving 1 year, no no-claim discount, on a 3-year-old Audi S3 Sedan 2.0 TFSI qu S tronic, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5.7 times the S$1,113.54 a 40-year-old with a 50% NCD and no claims pays for the same Audi S3 Sedan.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$4,588.88, S$1,797.83 less than today's S$6,386.71. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
Which insurers do not quote a 23-year-old new driver for a Audi S3 Sedan online?
Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote this model online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (This insurer has no online price for this car model yet).
Is this the price I will pay?
It is the price each insurer quotes online for these answers today, GST included. Your own car, its age, your record and the options you choose change it; the quote form asks for yours.