Typical car insurance quotes
BMW 3 Series insurance for a 65-year-old with a 50% NCD
Every insurer's price today for a driver aged 65, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old BMW 330i 2.0, 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 BMW 3 Series driven by a 65-year-old with a 50% NCD is S$1,159.93 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 13 insurers quote this driver online, up to S$3,213.28 at Etiqa.
- 13 insurers quote this driver online; 1 do not.
- That is 16% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,000.41).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,159.93 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,188.32 | S$600.00 |
| SinglifeMotor Lite | S$1,190.35 | S$3,000.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,202.65 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,267.21 | S$2,000.00 |
| ERGOSMART Comprehensive | S$1,288.13 | S$500.00 |
| MS First CapitalComprehensive | S$1,322.22 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,363.79 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,427.87 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,586.28 | S$3,000.00 |
| ECICSComprehensive | S$1,595.13 | S$750.00 |
| LibertyComprehensive Preferred Plan | S$1,713.04 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$3,213.28 | S$2,500.00 |
No online price for this driver: HL Assurance (HL Assurance insures main drivers aged 27 to 64 online).
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$1,322.22 | +S$162.29 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$838.52 | −S$321.41 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,275.93 | +S$116.00 |
Why this driver pays this
- 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 16% more than what a 40-year-old with the same 50% NCD pays (S$1,000.41).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 3 Series has a 1,998cc engine.
- 1 insurer does not quote this driver online on this car: HL Assurance (HL Assurance insures main drivers aged 27 to 64 online).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The BMW 3 Series
- Priced as a BMW 330i 2.0 (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW 330i 2.0 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,209.76 a year for a 1,998cc engine, before any surcharge for a car over 10 years old.
- For a 65-year-old with a 50% NCD, the BMW 3 Series is the 532nd cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 147th cheapest, 23% more than the middle price of S$943.07.
- BMW 3 Series review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$721.59 | India International |
| Mazda CX-30 | S$721.59 | India International |
| Toyota Harrier | S$742.90 | India International |
| Toyota Voxy | S$793.75 | India International |
| Mercedes-Benz E-Class | S$861.03 | India International |
| Mercedes-Benz GLC | S$1,037.02 | India International |
| Lexus NX | S$1,108.86 | Etiqa |
| Lexus RX | S$1,108.86 | Etiqa |
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 BMW 3 Series for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 3 Series insurance for a 65-year-old with a 50% NCD?
From S$1,159.93 a year today at Sompo, up to S$3,213.28 at Etiqa, across the 13 insurers that quote this driver online. That is for a driver aged 65, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old BMW 330i 2.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 16% more than the S$1,000.41 a 40-year-old with a 50% NCD and no claims pays for the same BMW 3 Series.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
Which insurers do not quote a 65-year-old with a 50% NCD for a BMW 3 Series online?
HL Assurance (HL Assurance insures main drivers aged 27 to 64 online).
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.