Typical car insurance quotes
BMW M4 Convertible 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 M4 Convertible 3.0 Competition M xDrive, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a BMW M4 Convertible driven by a driver with a Certificate of Merit is S$1,461.89 a year (GST included) at ERGO, SMART Comprehensive; 2 insurers quote this driver online, up to S$3,535.53 at Allianz.
Compare every insurer we price for a BMW M4 Convertible on one page: https://shentonbrokers.com/prices/car/bmw-m4-convertible
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/bmw-m4-convertible/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.
- 2 insurers quote this driver online; 14 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$1,461.89).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| ERGOSMART ComprehensiveBuy Now | S$1,461.89 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$3,535.53 | 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); 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 (This insurer has no online price for this car model yet); 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. 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$1,978.51 | +S$516.62 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,180.69 | −S$281.20 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,461.89 | 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$1,461.89).
- The car matters too: insurers group models by value, repair costs and claims; the BMW M4 Convertible 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); 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 (This insurer has no online price for this car model yet); 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
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$1,461.89 | ERGO |
| A week ago 5 Nov 2026 | S$1,461.89 | ERGO |
The BMW M4 Convertible
- Priced as a BMW M4 Convertible 3.0 Competition M xDrive (2,993cc), registered 3 years ago.
- With a 2,993cc engine, above 1,600cc, the BMW M4 Convertible 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 with a Certificate of Merit, the BMW M4 Convertible is the 937th cheapest of 995 car models to insure. Among 195 cars above 2,000cc it is 165th cheapest, 42% more than the middle price of S$1,029.94.
- BMW M4 Convertible review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Audi Q7 | S$1,002.60 | ECICS |
| Audi A8 | S$1,092.69 | Sompo |
| Audi S4 Saloon | S$1,148.87 | HL Assurance |
| Audi S5 | S$1,148.87 | HL Assurance |
| Audi S5 Sedan | S$1,200.26 | Allianz |
| Audi Q8 | S$1,210.01 | MS First Capital |
| Audi Roadjet Concept | S$1,448.17 | HL Assurance |
| Alfa Romeo 166 | S$1,532.82 | MS First Capital |
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 M4 Convertible 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-m4-convertible-3-0-competition-m-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
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=bmw&model=bmw-m4-convertible-3-0-competition-m-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 M4 Convertible insurance for a driver with a Certificate of Merit?
From S$1,461.89 a year today at ERGO, up to S$3,535.53 at Allianz, across the 2 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 M4 Convertible 3.0 Competition M 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$1,461.89 a 40-year-old with a 50% NCD and no claims pays for the same BMW M4 Convertible.
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 M4 Convertible online?
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); 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 (This insurer has no online price for this car model yet); 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).
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.