BMW M3 Touring insurance for a driver after a claim

In short

On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW M3 Touring driven by a driver after a claim is S$2,675.52 a year (GST included) at ERGO, SMART Comprehensive; 2 insurers quote this driver online, up to S$8,917.22 at Singlife.

Compare every insurer we price for a BMW M3 Touring on one page: https://shentonbrokers.com/prices/car/bmw-m3-touring

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-m3-touring/age-40-after-a-claim

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.

• 2 insurers quote this driver online; 14 do not.
• That is 83% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,461.89).

Why this driver pays this

• An at-fault claim in the last three years cut the no-claim discount to 20%, and many insurers add a claims loading as well, for three years. On this car the lowest price is 83% more than what the same driver with no claims and a 50% NCD pays (S$1,461.89).
• The car matters too: insurers group models by value, repair costs and claims; the BMW M3 Touring has a 2,993cc engine.
• 14 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); 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); MS First Capital (MS First Capital does not quote this model online); QBE (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

Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.

The BMW M3 Touring

• Priced as a BMW M3 Touring 3.0 Competition M xDrive (2,993cc), registered 3 years ago.
• With a 2,993cc engine, above 1,600cc, the BMW M3 Touring 3.0 Competition M xDrive needs a Category B COE (S$132,334 in the November 2026, 1st round).
• Road tax: about S$2,376.88 a year for a 2,993cc engine, before any surcharge for a car over 10 years old.
• For a driver after a claim, the BMW M3 Touring is the 832nd cheapest of 921 car models to insure. Among 168 cars above 2,000cc it is 132nd cheapest, 40% more than the middle price of S$1,917.50.
• BMW M3 Touring 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, 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.

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-m3-touring-3-0-competition-m-xdrive&ncd=20&licenceYears=10&ncdProtector=no&regDate=2023-11-12&demeritFree=yes&claims=yes&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&claimCount=1&claimAmount=5000