Typical car insurance quotes
BMW 5 Series Sedan insurance for a 78-year-old with a 50% NCD
Every insurer's price today for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old BMW 5 Series Sedan 520i, 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 5 Series Sedan driven by a 78-year-old with a 50% NCD is S$1,542.95 a year (GST included) at AIG, AIG Car Insurance Collision Only; 3 insurers quote this driver online, up to S$1,822.54 at ERGO.
- 3 insurers quote this driver online; 11 do not.
- That is 79% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$861.03).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$1,542.95 | S$600.00 |
| MS First CapitalComprehensive | S$1,586.65 | S$500.00 |
| ERGOSMART Comprehensive | S$1,822.54 | S$500.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (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); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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$1,586.65 | +S$43.70 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,146.24 | −S$396.71 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,684.90 | +S$141.95 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 79% more than what a 40-year-old with the same 50% NCD pays (S$861.03).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 5 Series Sedan has a 1,998cc engine.
- 11 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (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); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The BMW 5 Series Sedan
- Priced as a BMW 5 Series Sedan 520i (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW 5 Series Sedan 520i 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 78-year-old with a 50% NCD, the BMW 5 Series Sedan is the 491st cheapest of 578 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 130th cheapest, 16% more than the middle price of S$1,328.80.
- BMW 5 Series Sedan review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$1,121.38 | Singlife |
| Mazda CX-30 | S$1,121.38 | Singlife |
| Toyota Voxy | S$1,180.62 | MS First Capital |
| Mercedes-Benz GLC | S$1,190.99 | Singlife |
| Mercedes-Benz E-Class | S$1,197.78 | Singlife |
| Toyota Harrier | S$1,261.59 | Singlife |
| Lexus NX | S$1,328.48 | Singlife |
| Lexus RX | S$1,328.48 | Singlife |
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 5 Series Sedan for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW 5 Series Sedan insurance for a 78-year-old with a 50% NCD?
From S$1,542.95 a year today at AIG, up to S$1,822.54 at ERGO, across the 3 insurers that quote this driver online. That is for a driver aged 78, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old BMW 5 Series Sedan 520i, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 79% more than the S$861.03 a 40-year-old with a 50% NCD and no claims pays for the same BMW 5 Series Sedan.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
Which insurers do not quote a 78-year-old with a 50% NCD for a BMW 5 Series Sedan online?
Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (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); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.