BMW car insurance
BMW M3 Sedan insurance quotes by driver
What the BMW M3 Sedan costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old BMW M3 Sedan AT ABS D/Airbag, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a BMW M3 Sedan on one page: https://shentonbrokers.com/prices/car/bmw-m3-sedan
On 12 Nov 2026, BMW M3 Sedan insurance costs from S$2,465.94 a year (HL Assurance) 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-m3-sedan
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$2,465.94 a year.
- A 25-year-old new driver pays from S$13,510.70, 5.5 times the settled driver's price.
- Online prices here run from age 25 to 75; 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 | No online price | 0 | |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | No online price | 0 | |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | No online price | 0 | |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | No online price | 0 | |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$13,510.70Buy NowAllianz | S$13,510.70 | 1 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$13,310.73Buy NowAllianz | S$13,310.73 | 1 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$13,110.86Buy NowAllianz | S$13,110.86 | 1 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$8,663.30Buy NowHL Assurance | S$8,979.53 | 2 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$12,710.93Buy NowAllianz | S$12,710.93 | 1 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$12,511.07Buy NowAllianz | S$12,511.07 | 1 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$6,666.85Buy NowHL Assurance | S$7,336.95 | 2 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$3,188.86Buy NowHL Assurance | S$3,941.36 | 2 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$3,029.42Buy NowHL Assurance | S$3,503.64 | 2 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$2,907.23Buy NowHL Assurance | S$3,666.74 | 2 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$2,803.37Buy NowHL Assurance | S$3,502.35 | 2 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$2,725.51Buy NowHL Assurance | S$3,369.17 | 2 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$2,647.63Buy NowHL Assurance | S$3,251.58 | 2 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$4,037.80Buy NowHL Assurance | S$4,626.61 | 2 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$2,595.73Buy NowHL Assurance | S$3,160.51 | 2 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$2,543.82Buy NowHL Assurance | S$3,081.15 | 2 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$2,517.89Buy NowHL Assurance | S$3,025.08 | 2 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$2,491.95Buy NowHL Assurance | S$2,978.10 | 2 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$2,465.96Buy NowHL Assurance | S$2,939.16 | 2 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$2,465.94Buy NowHL Assurance | S$2,920.35 | 2 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$2,342.65Buy NowHL Assurance | S$2,695.93 | 2 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | No online price | 0 | |
| 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$2,737.20Buy NowHL Assurance | S$3,055.98 | 2 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$2,465.94Buy NowHL Assurance | S$3,031.97 | 2 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$8,995.11Buy NowAllianz | S$8,995.11 | 1 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$2,440.00Buy NowHL Assurance | S$2,895.00 | 2 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$2,440.00Buy NowHL Assurance | S$2,888.38 | 2 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$2,465.96Buy NowHL Assurance | S$2,899.92 | 2 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$2,465.96Buy NowHL Assurance | S$2,903.04 | 2 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$2,465.95Buy NowHL Assurance | S$2,910.29 | 2 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$2,342.65Buy NowHL Assurance | S$2,848.64 | 2 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$2,491.91Buy NowHL Assurance | S$2,934.16 | 2 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$2,491.95Buy NowHL Assurance | S$2,948.26 | 2 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$2,517.83Buy NowHL Assurance | S$2,977.92 | 2 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$2,517.86Buy NowHL Assurance | S$2,996.94 | 2 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$2,543.82Buy NowHL Assurance | S$3,030.64 | 2 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$2,569.76Buy NowHL Assurance | S$3,065.57 | 2 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$2,595.73Buy NowHL Assurance | S$3,101.22 | 2 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$2,621.73Buy NowHL Assurance | S$3,137.04 | 2 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$2,621.69Buy NowHL Assurance | S$3,159.41 | 2 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$2,647.64Buy NowHL Assurance | S$3,193.74 | 2 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$2,673.61Buy NowHL Assurance | S$3,226.36 | 2 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$2,699.55Buy NowHL Assurance | S$3,256.65 | 2 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$2,699.57Buy NowHL Assurance | S$3,270.95 | 2 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$2,725.51Buy NowHL Assurance | S$3,294.50 | 2 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$2,725.51Buy NowHL Assurance | S$3,300.71 | 2 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$2,589.24Buy NowHL Assurance | S$3,061.78 | 2 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$2,751.53Buy NowHL Assurance | S$3,314.88 | 2 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$2,751.53Buy NowHL Assurance | S$3,310.42 | 2 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$2,751.48Buy NowHL Assurance | S$3,299.73 | 2 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$2,725.51Buy NowHL Assurance | S$3,269.32 | 2 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$3,764.06Buy NowAllianz | S$3,764.06 | 1 |
| 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% | No online price | 0 | |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$3,737.17Buy NowAllianz | S$3,737.17 | 1 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$3,729.62Buy NowAllianz | S$3,729.62 | 1 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$3,702.85Buy NowAllianz | S$3,702.85 | 1 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$3,656.16Buy NowAllianz | S$3,656.16 | 1 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$3,589.17Buy NowAllianz | S$3,589.17 | 1 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$3,579.49Buy NowAllianz | S$3,579.49 | 1 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$3,715.69Buy NowAllianz | S$3,715.69 | 1 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$3,762.14Buy NowAllianz | S$3,762.14 | 1 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$3,818.59Buy NowAllianz | S$3,818.59 | 1 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$3,875.86Buy NowAllianz | S$3,875.86 | 1 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 | |
| 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 M3 Sedan · 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 |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$2,465.94 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$3,374.76 | 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 (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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); 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); MS First Capital (MS First Capital does not quote this model online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (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.
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$2,901.12 | +S$435.18 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$3,393.24 | +S$927.30 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$2,712.55 | +S$246.61 |
Why it costs this
For a driver aged 40 with a 50% NCD on this BMW M3 Sedan:
- The car matters too: insurers group models by value, repair costs and claims; the BMW M3 Sedan has a 2,979cc engine.
- 14 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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); 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); MS First Capital (MS First Capital does not quote this model online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (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
For a driver aged 40 with a 50% NCD on this BMW M3 Sedan: Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$2,465.94 | HL Assurance |
| A week ago 5 Nov 2026 | S$2,465.94 | HL Assurance |
How these prices are worked out
Each price is what the insurer charges today for each driver on this BMW M3 Sedan, 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.
- HL Assurance: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Allianz: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-m3-sedan-at-abs-d-airbag&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1955-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is BMW M3 Sedan insurance in Singapore?
From S$2,465.94 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW M3 Sedan AT ABS D/Airbag, 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 M3 Sedan insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$13,510.70 a year today at Allianz, 5.5 times the price for a settled driver with a 50% NCD. 1 insurers quote this driver online, against 2 for the settled driver.
Does a new driver aged 40 pay less than a young new driver for a BMW M3 Sedan?
Yes, today: S$8,995.11 a year at 40 against S$13,510.70 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW M3 Sedan?
HL Assurance is cheapest for 44 of the 61 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.