BMW car insurance
BMW M135 insurance quotes by driver
What the BMW M135 costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a BMW M135 on one page: https://shentonbrokers.com/prices/car/bmw-m135
On 12 Nov 2026, BMW M135 insurance costs from S$1,171.31 a year (ERGO) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-m135
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.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$1,171.31 a year.
- A 25-year-old new driver pays from S$5,828.24, 5.0 times the settled driver's price.
- One S$5,000 claim takes the price to S$2,158.93, 84% more than the settled driver's price.
- Online prices here run from age 21 to 79; some drivers get no online price at all.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount | S$8,067.67Buy NowMS First Capital | S$8,707.30 | 3 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$6,756.55Buy NowMS First Capital | S$8,085.71 | 3 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$6,756.55Buy NowMS First Capital | S$7,508.54 | 3 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$6,756.55Buy NowMS First Capital | S$6,802.36 | 3 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$5,828.24Buy NowMS First Capital | S$8,455.56 | 4 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$5,828.24Buy NowMS First Capital | S$7,215.81 | 4 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$5,027.56Buy NowMS First Capital | S$7,006.46 | 4 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$3,366.88Buy NowMS First Capital | S$4,112.02 | 6 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$4,466.83Buy NowMS First Capital | S$5,020.53 | 4 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$4,466.83Buy NowMS First Capital | S$4,961.99 | 4 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$2,659.00Buy NowMS First Capital | S$3,608.18 | 6 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$1,411.85Buy NowERGO | S$2,281.48 | 6 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$1,411.85Buy NowERGO | S$2,281.48 | 6 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$1,377.97Buy NowERGO | S$2,124.48 | 6 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$1,322.26Buy NowERGO | S$2,124.48 | 6 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$1,322.22Buy NowMS First Capital | S$1,936.23 | 6 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$1,280.20Buy NowERGO | S$1,910.97 | 6 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$1,851.11Buy NowMS First Capital | S$2,607.45 | 6 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$1,280.20Buy NowERGO | S$1,840.43 | 6 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$1,210.02Buy NowMS First Capital | S$1,832.22 | 6 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$1,210.02Buy NowMS First Capital | S$1,832.22 | 6 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,832.22 | 6 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,832.22 | 6 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,832.22 | 6 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$1,140.55Buy NowMS First Capital | S$1,832.22 | 6 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$2,158.93Buy NowERGO | S$2,769.64 | 2 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | No online price | 0 | |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,876.69 | 6 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$1,171.31Buy NowERGO | S$1,882.42 | 6 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$3,423.49Buy NowMS First Capital | S$3,856.08 | 4 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$1,171.31Buy NowERGO | S$1,722.29 | 6 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,810.85 | 6 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$1,171.31Buy NowERGO | S$1,876.69 | 6 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$1,884.90 | 6 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$1,900.54 | 6 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$1,905.04 | 6 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$1,905.04 | 6 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$1,905.04 | 6 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$2,000.95 | 6 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$2,000.95 | 6 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$2,000.95 | 6 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$1,238.14Buy NowERGO | S$2,000.95 | 6 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,000.95 | 6 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$1,246.31Buy NowMS First Capital | S$2,000.95 | 6 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,050.05 | 6 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,050.05 | 6 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,050.05 | 6 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,050.05 | 6 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$1,288.13Buy NowERGO | S$2,050.05 | 6 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$2,369.75Buy NowERGO | S$3,145.13 | 2 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$2,122.31 | 6 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$2,122.31 | 6 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$2,122.31 | 6 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$2,122.31 | 6 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$2,122.31 | 6 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,454.43 | 3 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,454.43 | 3 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,454.43 | 3 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$1,300.04Buy NowERGO | S$1,454.43 | 3 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$1,454.43Buy NowMS First Capital | S$1,738.14 | 3 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,662.40 | 2 |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,662.40 | 2 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,662.40 | 2 |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | S$1,586.65Buy NowMS First Capital | S$1,662.40 | 2 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the BMW M135 · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| ERGOSMART ComprehensiveBuy Now | S$1,171.31 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| MS First CapitalComprehensiveBuy Now | S$1,210.02 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$1,757.16 | S$750.00 | Authorised workshops | Yes | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,907.27 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$2,062.16 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$3,112.24 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter.
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$1,210.02 | +S$38.71 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$874.15 | −S$297.16 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,171.31 | the same |
Why it costs this
For a driver aged 40 with a 50% NCD on this BMW M135:
- The car matters too: insurers group models by value, repair costs and claims; the BMW M135 has a 1,998cc engine.
- 10 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
For a driver aged 40 with a 50% NCD on this BMW M135: Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,171.31 | ERGO |
| A week ago 5 Nov 2026 | S$1,171.31 | ERGO |
How these prices are worked out
Each price is what the insurer charges today for each driver on this BMW M135, GST included: from the rates and plans 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 sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- MS First Capital: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=f&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1988-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is BMW M135 insurance in Singapore?
From S$1,171.31 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is BMW M135 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$5,828.24 a year today at MS First Capital, 5.0 times the price for a settled driver with a 50% NCD. 4 insurers quote this driver online, against 6 for the settled driver.
How much more is BMW M135 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$2,158.93, 84% more than the S$1,171.31 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW M135?
Yes, today: S$3,423.49 a year at 40 against S$5,828.24 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW M135?
ERGO is cheapest for 48 of the 71 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.