BMW car insurance
BMW 3 Series Sedan insurance quotes by driver
What the BMW 3 Series Sedan costs to insure today for 31 typical drivers, on a 3-year-old BMW 3 Series Sedan 318i, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$861.03 a year.
- A 25-year-old new driver pays from S$3,355.01, 3.9 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,618.56, 88% more than the settled driver's price.
- Online prices here run from age 21 to 80; every driver here gets an online price.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest Sompo | S$4,511.90 | S$6,753.23 | 5 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,890.73 | S$5,145.84 | 5 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,355.01 | S$4,836.10 | 7 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,822.33 | S$4,522.05 | 7 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$2,246.49 | S$3,157.90 | 10 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,433.78 | S$4,064.36 | 7 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest India International | S$1,746.56 | S$2,571.39 | 10 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$1,037.02 | S$1,427.15 | 10 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$1,037.02 | S$1,280.69 | 10 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest India International | S$1,205.45 | S$1,646.80 | 10 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,136.57 | 10 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,042.19 | 10 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$998.69 | 10 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest AIG | S$1,618.56 | S$1,957.03 | 6 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest ECICS | S$2,889.37 | S$3,207.49 | 3 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest ECICS | S$909.62 | S$1,066.55 | 10 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest India International | S$906.36 | S$1,068.20 | 10 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$1,932.04 | S$2,976.77 | 7 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,032.62 | 10 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest India International | S$861.03 | S$1,032.62 | 10 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,094.33 | 10 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,146.69 | 10 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,175.67 | 10 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,124.81 | 10 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,190.61 | 9 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,746.56 | S$2,228.85 | 6 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$947.14 | S$1,229.16 | 8 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$947.14 | S$1,270.55 | 5 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest Allianz | S$1,282.65 | S$1,390.12 | 4 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,325.80 | S$1,456.23 | 2 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,657.25 | S$1,657.25 | 1 |
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Every plan for the BMW 3 Series Sedan · This table as CSV · Compare with your own details.
Questions people ask
How much is BMW 3 Series Sedan insurance in Singapore?
From S$861.03 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW 3 Series Sedan 318i, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 31 drivers.
How much is BMW 3 Series Sedan insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,355.01 a year today at Sompo, 3.9 times the price for a settled driver with a 50% NCD. 7 insurers quote this driver online, against 10 for the settled driver.
How much more is BMW 3 Series Sedan insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,618.56, 88% more than the S$861.03 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW 3 Series Sedan?
Yes, today: S$1,932.04 a year at 40 against S$3,355.01 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW 3 Series Sedan?
India International is cheapest for 18 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.