Typical car insurance quotes
BMW 440i Gran Coupe M Sport insurance for a 21-year-old new driver
Every insurer's price today for a driver aged 21, single, driving 1 year, no no-claim discount, on a 3-year-old BMW 440i Gran Coupe M Sport, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW 440i Gran Coupe M Sport driven by a 21-year-old new driver is S$4,845.81 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; it is the only insurer that quotes this driver online.
Compare every insurer we price for a BMW 440i Gran Coupe M Sport on one page: https://shentonbrokers.com/prices/car/bmw-440i-gran-coupe-m-sport
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-440i-gran-coupe-m-sport/age-21-new-driver
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.
- 1 insurer quotes this driver online; 15 do not.
- That is 4.6 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,061.44).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$4,845.81 | S$600.00 | Authorised workshops | Yes | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for main drivers aged 25 or over); 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); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer's online price is for main drivers aged 22 or over); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged 23 or over); Singlife (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
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$5,814.95 | +S$969.14 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$3,502.98 | −S$1,342.83 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$4,153.70 | −S$692.11 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off. Young drivers, under about 26, pay a further loading at most insurers.
- The car matters too: insurers group models by value, repair costs and claims; the BMW 440i Gran Coupe M Sport has a 2,998cc engine.
- 15 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for main drivers aged 25 or over); 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); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer's online price is for main drivers aged 22 or over); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged 23 or over); Singlife (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.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$4,845.81 | Sompo |
| A week ago 5 Nov 2026 | S$4,845.81 | Sompo |
The BMW 440i Gran Coupe M Sport
- Priced as a BMW 440i Gran Coupe M Sport (2,998cc), registered 3 years ago.
- With a 2,998cc engine, above 1,600cc, the BMW 440i Gran Coupe M Sport needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$2,382.76 a year for a 2,998cc engine, before any surcharge for a car over 10 years old.
- For a 21-year-old new driver, the BMW 440i Gran Coupe M Sport is the 499th cheapest of 847 car models to insure. Among 158 cars above 2,000cc it is 63rd cheapest, 1% less than the middle price of S$4,903.53.
- BMW 440i Gran Coupe M Sport review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Audi A8 | S$4,988.48 | Sompo |
| Audi Q7 | S$5,884.88 | Sompo |
| Audi Q8 | S$6,040.77 | Sompo |
| Audi S4 Saloon | S$8,963.68 | Sompo |
| Audi S5 | S$8,963.68 | Sompo |
| Audi S5 Sedan | S$8,963.68 | Sompo |
| Alfa Romeo 166 | S$10,219.91 | MS First Capital |
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 440i Gran Coupe M Sport 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.
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
Questions people ask
How much is BMW 440i Gran Coupe M Sport insurance for a 21-year-old new driver?
From S$4,845.81 a year today at Sompo, across the 1 insurer that quote this driver online. That is for a driver aged 21, single, driving 1 year, no no-claim discount, on a 3-year-old BMW 440i Gran Coupe M Sport, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 4.6 times the S$1,061.44 a 40-year-old with a 50% NCD and no claims pays for the same BMW 440i Gran Coupe M Sport.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$4,153.70, S$692.11 less than today's S$4,845.81. After a year with no claim, at today's prices.
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 21-year-old new driver for a BMW 440i Gran Coupe M Sport online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for main drivers aged 25 or over); 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); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great American (This insurer's online price is for main drivers aged 24 or over); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); Liberty (This insurer's online price is for main drivers aged 22 or over); MS First Capital (This insurer has no online price for this car model yet); QBE (This insurer's online price is for main drivers aged 23 or over); Singlife (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.