BMW 735Li insurance for a 78-year-old with a 50% NCD

In short

On 28 Oct 2026, the cheapest comprehensive car insurance for a BMW 735Li driven by a 78-year-old with a 50% NCD is S$1,980.78 a year (GST included) at Singlife, Motor Lite; it is the only insurer that quotes this driver online.

• 1 insurer quotes this driver online; 13 do not.
• That is 87% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,061.44).

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• From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.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 87% more than what a 40-year-old with the same 50% NCD pays (S$1,061.44).
• The car matters too: insurers group models by value, repair costs and claims; the BMW 735Li has a 3,600cc engine.
• 13 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for main drivers aged up to 75); 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 up to 75 when cover starts); Great Eastern (This insurer's online price is for electric cars only); 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 up to 75); MS First Capital (This insurer has no online price for this car model yet); QBE (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 Singlife has been cheapest throughout.

The BMW 735Li

• Priced as a BMW 735Li (3,600cc), registered 3 years ago.
• With a 3,600cc engine, above 1,600cc, the BMW 735Li needs a Category B COE (S$131,901 in the October 2026, 2nd round).
• Road tax: about S$3,323.50 a year for a 3,600cc engine, before any surcharge for a car over 10 years old.
• For a 78-year-old with a 50% NCD, the BMW 735Li is the 569th cheapest of 578 car models to insure. Among 87 cars above 2,000cc it is 82nd cheapest, 38% more than the middle price of S$1,435.94.
• BMW 735Li review: list price, COE, road tax and insurance.

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.