Typical car insurance quotes
BMW 4 Series Coupe insurance for a 40-year-old with a 50% NCD
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 4 Series Coupe 420i M Sport, 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 4 Series Coupe driven by a 40-year-old with a 50% NCD is S$939.51 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 8 insurers quote this driver online, up to S$3,994.05 at Etiqa.
- 8 insurers quote this driver online; 6 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$939.51 | S$1,200.00 |
| ECICSComprehensive | S$960.15 | S$750.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,061.44 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,157.55 | S$600.00 |
| ERGOSMART Comprehensive | S$1,171.31 | S$500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,177.05 | S$2,000.00 |
| UOIUniCar Comprehensive Value | S$1,501.01 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$3,994.05 | S$2,500.00 |
No online price for this driver: Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); 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$1,105.31 | +S$165.80 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$767.31 | −S$172.20 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$960.15 | +S$20.64 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the BMW 4 Series Coupe has a 1,998cc engine.
- 6 insurers do not quote this driver online on this car: Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The BMW 4 Series Coupe
- Priced as a BMW 4 Series Coupe 420i M Sport (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW 4 Series Coupe 420i M Sport 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 40-year-old with a 50% NCD, the BMW 4 Series Coupe is the 490th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 126th cheapest, 9% more than the middle price of S$861.03.
- BMW 4 Series Coupe 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$763.41 | HL Assurance |
| Mercedes-Benz E-Class | S$861.03 | India International |
| Mercedes-Benz GLC | S$925.60 | Etiqa |
| Lexus NX | S$972.39 | Etiqa |
| Lexus RX | S$972.39 | 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 4 Series Coupe for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 4 Series Coupe insurance for a 40-year-old with a 50% NCD?
From S$939.51 a year today at HL Assurance, up to S$3,994.05 at Etiqa, across the 8 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 4 Series Coupe 420i M Sport, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a 40-year-old with a 50% NCD for a BMW 4 Series Coupe online?
Great Eastern (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); 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.