Typical car insurance quotes
BMW 4 Series Gran Coupe insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BMW 4 Series Gran 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 Gran Coupe driven by a driver with a Certificate of Merit is S$892.54 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 7 insurers quote this driver online, up to S$4,419.82 at Etiqa.
- 7 insurers quote this driver online; 7 do not.
- That is 5% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$939.51).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$892.54 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$977.86 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,061.44 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,170.03 | S$2,000.00 |
| ERGOSMART Comprehensive | S$1,171.31 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,464.51 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$4,419.82 | S$2,500.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); 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$1,050.05 | +S$157.51 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$767.31 | −S$125.23 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$981.80 | +S$89.26 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is 5% less than what the same driver without one pays (S$939.51).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 4 Series Gran Coupe has a 1,998cc engine.
- 7 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); 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 Gran Coupe
- Priced as a BMW 4 Series Gran Coupe 420i M Sport (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW 4 Series Gran 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 driver with a Certificate of Merit, the BMW 4 Series Gran Coupe is the 470th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 111th cheapest, 6% more than the middle price of S$842.72.
- BMW 4 Series Gran 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 Voxy | S$725.24 | HL Assurance |
| Toyota Harrier | S$742.90 | India International |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| Mercedes-Benz GLC | S$886.76 | HL Assurance |
| Lexus NX | S$939.85 | Etiqa |
| Lexus RX | S$939.85 | 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 Gran Coupe for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 4 Series Gran Coupe insurance for a driver with a Certificate of Merit?
From S$892.54 a year today at HL Assurance, up to S$4,419.82 at Etiqa, across the 7 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BMW 4 Series Gran Coupe 420i M Sport, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5% less than the S$939.51 a 40-year-old with a 50% NCD and no claims pays for the same BMW 4 Series Gran Coupe.
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 driver with a Certificate of Merit for a BMW 4 Series Gran Coupe online?
ECICS (ECICS does not list this model on its online quote); 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.