Typical car insurance quotes
BMW 640i Gran 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 640i Gran Coupe, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW 640i Gran Coupe driven by a 40-year-old who works outdoors is S$1,276.32 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 9 insurers quote this driver online, up to S$5,202.82 at Etiqa.
Compare every insurer we price for a BMW 640i Gran Coupe on one page: https://shentonbrokers.com/prices/car/bmw-640i-gran-coupe
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-640i-gran-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.
- 9 insurers quote this driver online; 7 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$1,261.87).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$1,276.32 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,312.28 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy Now | S$1,527.53 | S$700.00 | Authorised workshops | Yes, S$100 excess | S$20,000 |
| MS First CapitalComprehensiveBuy Now | S$1,626.13 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,907.27 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$2,425.71 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SinglifeMotor LiteBuy Now | S$2,664.22 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$2,737.20 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$5,202.82 | 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); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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
| Change | Lowest price | Difference |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$1,506.06 | +S$229.74 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,145.64 | −S$130.68 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,312.28 | +S$35.96 |
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$1,261.87).
- The car matters too: insurers group models by value, repair costs and claims; the BMW 640i Gran Coupe has a 2,979cc engine.
- 7 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); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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 down S$35.96 (3%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,276.32 | Allianz |
| A week ago 5 Nov 2026 | S$1,276.32 | Allianz (estimate) |
The BMW 640i Gran Coupe
- Priced as a BMW 640i Gran Coupe (2,979cc), registered 3 years ago.
- With a 2,979cc engine, above 1,600cc, the BMW 640i Gran Coupe needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$2,360.46 a year for a 2,979cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the BMW 640i Gran Coupe is the 891st cheapest of 995 car models to insure. Among 195 cars above 2,000cc it is 140th cheapest, 20% more than the middle price of S$1,065.42.
- BMW 640i Gran Coupe review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Audi Q7 | S$1,002.60 | ECICS |
| Audi A8 | S$1,092.69 | Sompo |
| Audi S4 Saloon | S$1,207.46 | Allianz |
| Audi S5 | S$1,207.46 | Allianz |
| Audi S5 Sedan | S$1,207.46 | Allianz |
| Audi Q8 | S$1,323.18 | Sompo |
| Audi Roadjet Concept | S$1,692.07 | HL Assurance |
| Alfa Romeo 166 | S$1,776.93 | 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 640i Gran 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.
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-640i-gran-coupe&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=bmw&model=bmw-640i-gran-coupe&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- Great American, Motor Private Car Comprehensive (Authorised Workshop): https://shentonbrokers.com/go/buy/car/great-american/comprehensive-authorised-workshop?brand=bmw&model=bmw-640i-gran-coupe&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=bmw&model=bmw-640i-gran-coupe&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred-rp?brand=bmw&model=bmw-640i-gran-coupe&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is BMW 640i Gran Coupe insurance for a 40-year-old who works outdoors?
From S$1,276.32 a year today at Allianz, up to S$5,202.82 at Etiqa, across the 9 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 640i Gran 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$1,261.87 a 40-year-old with a 50% NCD and no claims pays for the same BMW 640i Gran Coupe.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$35.96 (3%), and the cheapest insurer has changed 2 times.
Which insurers do not quote a 40-year-old who works outdoors for a BMW 640i Gran 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); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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.