Typical car insurance quotes
BMW M135 insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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 driver with a Certificate of Merit is S$1,171.31 a year (GST included) at ERGO, SMART Comprehensive; 6 insurers quote this driver online, up to S$3,093.68 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-45-certificate-of-merit
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 about the same as 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 |
|---|---|---|---|---|---|
| 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$1,714.42 | S$750.00 | Authorised workshops | Yes | S$20,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,730.16 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,907.27 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$3,093.68 | 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$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 this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is about the same as what the same driver without one 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 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 |
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 driver with a Certificate of Merit, the BMW M135 is the 894th cheapest of 995 car models to insure. Among 237 cars of 1,601cc to 2,000cc it is 225th cheapest, 39% more than the middle price of S$840.89.
- BMW M135 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$725.24 | HL Assurance |
| Toyota Harrier | S$763.00 | ECICS |
| Mazda CX-5 | S$808.55 | ECICS |
| Mazda CX-30 | S$808.55 | ECICS |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| Mercedes-Benz GLC | S$886.76 | HL Assurance |
| Lexus RX | S$921.75 | ECICS |
| Lexus NX | S$939.85 | Etiqa |
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.
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=bmw&model=bmw-m135-2-0-xdrive&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&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=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&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=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
Questions people ask
How much is BMW M135 insurance for a driver with a Certificate of Merit?
From S$1,171.31 a year today at ERGO, up to S$3,093.68 at Allianz, across the 6 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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 about the same as the S$1,171.31 a 40-year-old with a 50% NCD and no claims pays for the same BMW M135.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
Which insurers do not quote a driver with a Certificate of Merit 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.