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BMW 428i Coupe insurance quotes by driver
What the BMW 428i Coupe costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old BMW 428i Coupe, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a BMW 428i Coupe on one page: https://shentonbrokers.com/prices/car/bmw-428i-coupe
On 12 Nov 2026, BMW 428i Coupe insurance costs from S$1,050.13 a year (HL Assurance) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-428i-coupe
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$1,050.13 a year.
- A 25-year-old new driver pays from S$3,603.30, 3.4 times the settled driver's price.
- One S$5,000 claim takes the price to S$2,158.93, 2.1 times 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 | S$4,845.81Buy NowSompo | S$8,067.67 | 3 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$4,499.88Buy NowSompo | S$8,448.43 | 4 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$4,178.68Buy NowSompo | S$8,278.52 | 4 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$3,785.67Buy NowSompo | S$9,233.66 | 5 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$3,603.30Buy NowSompo | S$7,266.32 | 6 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$3,264.21Buy NowSompo | S$7,014.15 | 6 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$3,031.20Buy NowSompo | S$6,299.78 | 6 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$2,412.75Buy NowSompo | S$3,407.89 | 11 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$2,679.06Buy NowSompo | S$5,671.27 | 6 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$2,613.90Buy NowSompo | S$5,462.74 | 6 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$2,092.41Buy NowSompo | S$2,792.69 | 11 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$1,310.91Buy NowECICS | S$1,578.78 | 11 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$1,290.09Buy NowHL Assurance | S$1,411.85 | 11 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$1,238.05Buy NowHL Assurance | S$1,402.72 | 11 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$1,193.83Buy NowHL Assurance | S$1,402.72 | 11 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$1,152.94Buy NowSompo | S$1,384.45 | 11 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$1,124.83Buy NowSompo | S$1,344.73 | 11 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$1,498.80Buy NowSompo | S$1,938.24 | 11 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$1,070.58Buy NowSompo | S$1,322.22 | 11 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,230.20 | 11 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,230.20 | 11 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$1,061.20Buy NowHL Assurance | S$1,208.26 | 11 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$1,050.14Buy NowHL Assurance | S$1,190.16 | 11 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$1,050.13Buy NowHL Assurance | S$1,177.05 | 11 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$997.63Buy NowHL Assurance | S$1,140.55 | 11 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$2,158.93Buy NowERGO | S$3,300.90 | 5 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | S$3,390.21Buy NowECICS | S$5,611.45 | 4 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,374.77 | 11 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$1,050.13Buy NowHL Assurance | S$1,210.02 | 11 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$2,075.01Buy NowSompo | S$4,065.87 | 6 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$1,039.09Buy NowHL Assurance | S$1,171.31 | 11 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$1,039.09Buy NowHL Assurance | S$1,171.31 | 11 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$1,050.14Buy NowHL Assurance | S$1,171.31 | 11 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$1,050.14Buy NowHL Assurance | S$1,171.31 | 11 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$1,050.14Buy NowHL Assurance | S$1,171.31 | 11 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$997.63Buy NowHL Assurance | S$1,171.31 | 11 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$1,061.19Buy NowHL Assurance | S$1,177.62 | 11 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$1,061.20Buy NowHL Assurance | S$1,187.44 | 11 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,199.11 | 11 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,212.37 | 11 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$1,061.44Buy NowSompo | S$1,226.82 | 11 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$1,070.58Buy NowSompo | S$1,297.93 | 11 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$1,087.98Buy NowSompo | S$1,297.93 | 11 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$1,101.48Buy NowSompo | S$1,297.93 | 11 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$1,116.47Buy NowHL Assurance | S$1,297.93 | 11 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$1,127.52Buy NowHL Assurance | S$1,304.38 | 11 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$1,138.57Buy NowHL Assurance | S$1,318.08 | 11 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$1,149.62Buy NowHL Assurance | S$1,322.22 | 11 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$1,149.62Buy NowHL Assurance | S$1,322.22 | 11 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$1,152.94Buy NowSompo | S$1,322.22 | 11 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,322.22 | 11 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$1,102.63Buy NowHL Assurance | S$1,288.13 | 11 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,322.22 | 11 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,322.22 | 11 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,322.22 | 11 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,322.22 | 11 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,317.53 | 10 |
| 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% | S$2,369.75Buy NowERGO | S$3,363.57 | 5 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,454.43 | 9 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,454.43 | 9 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,454.43 | 9 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,454.43 | 9 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$1,159.93Buy NowSompo | S$1,454.43 | 9 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$1,248.46Buy NowAllianz | S$1,943.06 | 6 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$1,295.96Buy NowAllianz | S$1,943.06 | 6 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,943.06 | 6 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,943.06 | 6 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$1,351.82Buy NowAllianz | S$2,084.92 | 6 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,738.14 | 3 |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,738.14 | 3 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,738.14 | 3 |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,738.14 | 3 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | S$2,431.69Buy NowSinglife | S$2,431.69 | 1 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the BMW 428i Coupe · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$1,050.13 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,061.44 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| ECICSComprehensiveBuy Now | S$1,067.30 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy Now | S$1,135.68 | S$700.00 | Authorised workshops | Yes, S$100 excess | S$20,000 |
| ERGOSMART ComprehensiveBuy Now | S$1,171.31 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$1,177.05 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| MS First CapitalComprehensiveBuy Now | S$1,210.02 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,744.90 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| SinglifeMotor LiteBuy Now | S$2,199.77 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| LibertyComprehensive Preferred PlanBuy Now | S$2,315.94 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$3,646.25 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); 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); UOI (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter.
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$1,210.02 | +S$159.89 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$767.31 | −S$282.82 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,067.30 | +S$17.17 |
Why it costs this
For a driver aged 40 with a 50% NCD on this BMW 428i Coupe:
- The car matters too: insurers group models by value, repair costs and claims; the BMW 428i Coupe has a 1,997cc engine.
- 5 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); 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); UOI (This insurer has no online price for this car model yet).
Price history
For a driver aged 40 with a 50% NCD on this BMW 428i Coupe: Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,050.13 | HL Assurance |
| A week ago 5 Nov 2026 | S$1,050.13 | HL Assurance |
How these prices are worked out
Each price is what the insurer charges today for each driver on this BMW 428i Coupe, GST included: from the rates and plans 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 sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- HL Assurance: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Sompo: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Allianz: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-428i-coupe&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1955-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=bmw&model=bmw-428i-coupe&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1953-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ECICS: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- MS First Capital: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=bmw&model=bmw-428i-coupe&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1950-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is BMW 428i Coupe insurance in Singapore?
From S$1,050.13 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW 428i Coupe, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is BMW 428i Coupe insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,603.30 a year today at Sompo, 3.4 times the price for a settled driver with a 50% NCD. 6 insurers quote this driver online, against 11 for the settled driver.
How much more is BMW 428i Coupe insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$2,158.93, 2.1 times the S$1,050.13 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW 428i Coupe?
Yes, today: S$2,075.01 a year at 40 against S$3,603.30 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW 428i Coupe?
Sompo is cheapest for 37 of the 73 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.