Typical car insurance quotes
BMW M135 insurance for a 28-year-old with a 10% NCD
Every insurer's price today for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW M135 driven by a 28-year-old with a 10% NCD is S$3,366.88 a year (GST included) at MS First Capital, Comprehensive; 6 insurers quote this driver online, up to S$8,572.67 at Allianz.
Compare every insurer we price for a BMW M135 on one page: https://shentonbrokers.com/prices/car/bmw-m135
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-m135/age-28-10-ncd
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.
- 6 insurers quote this driver online; 10 do not.
- That is 2.9 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,171.31).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| MS First CapitalComprehensiveBuy Now | S$3,366.88 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| ERGOSMART ComprehensiveBuy Now | S$3,775.90 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$3,888.64 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$4,335.40 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$7,904.41 | S$750.00 | Authorised workshops | Yes | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$8,572.67 | 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. 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$3,366.88 | the same |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,432.32 | −S$934.56 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$2,992.78 | −S$374.10 |
Why this driver pays this
- The no-claim discount comes off the premium: 10% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.9 times what a 40-year-old with a 50% NCD pays (S$1,171.31).
- 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
Since 2 Nov 2026 the lowest price is down S$409.02 (11%), and the cheapest insurer has changed once.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$3,366.88 | MS First Capital |
| A week ago 5 Nov 2026 | S$3,366.88 | MS First Capital |
The BMW M135
- Priced as a BMW M135 2.0 xDrive (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW M135 2.0 xDrive needs a Category B COE (S$132,334 in the November 2026, 1st 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 28-year-old with a 10% NCD, the BMW M135 is the 886th cheapest of 995 car models to insure. Among 237 cars of 1,601cc to 2,000cc it is 225th cheapest, 45% more than the middle price of S$2,323.56.
- BMW M135 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz E-Class | S$2,016.17 | Sompo |
| Toyota Voxy | S$2,072.73 | Allianz |
| Mazda CX-30 | S$2,111.13 | Sompo |
| Mercedes-Benz GLC | S$2,205.21 | Sompo |
| Toyota Harrier | S$2,229.86 | QBE |
| Mazda CX-5 | S$2,272.17 | Allianz |
| Lexus NX | S$2,321.27 | Sompo |
| Lexus RX | S$2,503.68 | Sompo |
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 M135 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.
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is BMW M135 insurance for a 28-year-old with a 10% NCD?
From S$3,366.88 a year today at MS First Capital, up to S$8,572.67 at Allianz, across the 6 insurers that quote this driver online. That is for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old BMW M135 2.0 xDrive, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.9 times the S$1,171.31 a 40-year-old with a 50% NCD and no claims pays for the same BMW M135.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$2,992.78, S$374.10 less than today's S$3,366.88. After a year with no claim, at today's prices.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$409.02 (11%), and the cheapest insurer has changed once.
Which insurers do not quote a 28-year-old with a 10% NCD for a BMW M135 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); 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).
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.