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Typical car insurance quotes

BMW 428i Coupe insurance for a 40-year-old who works outdoors

Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 428i Coupe, private use, comprehensive cover, repairs at an authorised workshop.

By , Writer · Prices as of 12 Nov 2026, GST included.

In short

On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW 428i Coupe driven by a 40-year-old who works outdoors is S$1,061.44 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 11 insurers quote this driver online, up to S$4,193.16 at Etiqa.

Compare every insurer we price for a BMW 428i Coupe on one page: https://shentonbrokers.com/prices/car/bmw-428i-coupe

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-428i-coupe/age-40-outdoor-work

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.

  • 11 insurers quote this driver online; 5 do not.
  • That is 1% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,050.13).

Insurer by insurer

The cheapest plan at each insurer, with its own-damage excess (what you pay towards each claim) and three covers in short. The plan's own wording decides.
InsurerPremiumExcessWorkshopWindscreenPersonal accident
SompoComprehensive Cover – Authorised Workshop PlanBuy NowS$1,061.44S$600.00Authorised workshopsYesS$50,000
ECICSComprehensiveBuy NowS$1,067.30S$5,000.00Authorised workshopsYes, S$100 excessS$50,000
HL AssuranceCar Protect360 ComprehensiveBuy NowS$1,165.65S$1,200.00Any workshopYes, S$100 excessS$20,000
ERGOSMART ComprehensiveBuy NowS$1,171.31S$500.00Authorised workshopsYes, S$100 excessS$50,000
AllianzAllianz Motor Protect ComprehensiveBuy NowS$1,177.05S$2,000.00Authorised workshopsYes, S$100 excessNot included
Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy NowS$1,374.77S$700.00Authorised workshopsYes, S$100 excessS$20,000
MS First CapitalComprehensiveBuy NowS$1,402.72S$500.00Any workshopYes, S$100 excessS$20,000
QBEPrivate Motor Prestige ComprehensiveBuy NowS$1,744.90S$3,000.00Authorised workshopsYes, no excessS$20,000
SinglifeMotor LiteBuy NowS$2,199.77S$300.00Authorised workshopsYes, S$100 excessNot included
LibertyComprehensive Preferred PlanBuy NowS$2,315.94S$600.00Authorised workshopsYes, S$100 excessS$50,000
EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy NowS$4,193.16S$2,500.00Authorised workshopsYes, S$100 excessS$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. Budget Direct, FWD, Income, MSIG quote live there with your own answers, so they are not in this table.

What would change the price

Today's lowest price for the same BMW 428i Coupe and driver after one change, against S$1,061.44.
ChangeLowest priceDifference
Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel.S$1,273.73+S$212.29
Third party, fire and theftNo cover for damage to your own car in an accident you cause.S$767.31−S$294.13
Add an NCD protectorKeeps the 50% NCD after one claim.S$1,067.30+S$5.86

Why this driver pays this

  • Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 1% more than what the same driver with an office job pays (S$1,050.13).
  • 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

Since 2 Nov 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.

WhenLowest priceCheapest insurer
Today 12 Nov 2026S$1,061.44Sompo
A week ago 5 Nov 2026S$1,061.44Sompo

The BMW 428i Coupe

  • Priced as a BMW 428i Coupe (1,997cc), registered 3 years ago.
  • With a 1,997cc engine, above 1,600cc, the BMW 428i Coupe needs a Category B COE (S$132,334 in the November 2026, 1st round).
  • Road tax: about S$1,208.58 a year for a 1,997cc engine, before any surcharge for a car over 10 years old.
  • For a 40-year-old who works outdoors, the BMW 428i Coupe is the 782nd cheapest of 995 car models to insure. Among 237 cars of 1,601cc to 2,000cc it is 191st cheapest, 19% more than the middle price of S$893.23.
  • BMW 428i Coupe review: list price, COE, road tax and insurance.
Similar cars for a 40-year-old who works outdoors, lowest price on 12 Nov 2026.
CarLowest priceCheapest insurer
Toyota VoxyS$741.11Allianz
Toyota HarrierS$763.00ECICS
Mazda CX-5S$808.55ECICS
Mazda CX-30S$808.55ECICS
Mercedes-Benz E-ClassS$857.06ECICS
Lexus RXS$921.75ECICS
Mercedes-Benz GLCS$937.91ECICS
Lexus NXS$970.26ECICS

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, FWD, Income, MSIG 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 428i Coupe for every driver · Other cars for this driver · Compare with your own details.

Buy Now addresses

Each insurer listed here, at its lowest price on this page.

Questions people ask

How much is BMW 428i Coupe insurance for a 40-year-old who works outdoors?

From S$1,061.44 a year today at Sompo, up to S$4,193.16 at Etiqa, across the 11 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old BMW 428i Coupe, private use, comprehensive cover, repairs at an authorised workshop.

How does that compare with a typical driver?

The lowest price is 1% more than the S$1,050.13 a 40-year-old with a 50% NCD and no claims pays for the same BMW 428i Coupe.

Has the price changed?

Since 2 Nov 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.

Which insurers do not quote a 40-year-old who works outdoors for a BMW 428i Coupe online?

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).

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.