BMW car insurance
BMW X3 insurance quotes by driver
What the BMW X3 costs to insure today for 31 typical drivers, on a 3-year-old BMW X3 xDrive20i, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$856.04 a year.
- A 25-year-old new driver pays from S$3,941.09, 4.6 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,441.75, 68% more than the settled driver's price.
- Online prices here run from age 21 to 80; every driver here gets an online price.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest Singlife | S$5,232.51 | S$7,055.27 | 6 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest AIG | S$4,555.62 | S$6,756.55 | 7 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,941.09 | S$5,828.24 | 9 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,315.35 | S$5,027.56 | 9 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$2,638.92 | S$3,440.75 | 14 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,858.94 | S$4,144.05 | 9 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest ECICS | S$1,986.22 | S$2,644.15 | 14 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest ECICS | S$1,241.39 | S$1,543.50 | 14 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest AIG | S$1,093.39 | S$1,507.00 | 14 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest AIG | S$1,401.51 | S$1,925.16 | 14 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$929.65 | S$1,357.64 | 14 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$856.04 | S$1,232.76 | 14 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$871.71 | S$1,229.07 | 14 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest AIG | S$1,441.75 | S$2,347.54 | 9 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest Singlife | S$3,019.43 | S$4,309.98 | 5 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest AIG | S$889.42 | S$1,363.61 | 14 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest AIG | S$856.04 | S$1,260.72 | 14 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$2,269.53 | S$3,402.36 | 9 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest AIG | S$824.73 | S$1,221.80 | 14 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest AIG | S$824.73 | S$1,216.01 | 14 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest AIG | S$917.06 | S$1,325.86 | 14 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,025.24 | S$1,317.65 | 14 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,058.31 | S$1,331.35 | 14 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$941.48 | S$1,311.05 | 14 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,020.64 | S$1,363.79 | 13 |
| 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%; cheapest AIG | S$1,718.97 | S$2,526.59 | 9 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,149.84 | S$1,468.71 | 12 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,149.84 | S$1,468.71 | 8 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,199.85 | S$1,696.30 | 7 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,199.85 | S$1,405.45 | 4 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest Singlife | S$1,224.24 | S$1,362.03 | 2 |
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Every plan for the BMW X3 · This table as CSV · Compare with your own details.
Questions people ask
How much is BMW X3 insurance in Singapore?
From S$856.04 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW X3 xDrive20i, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 31 drivers.
How much is BMW X3 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,941.09 a year today at Sompo, 4.6 times the price for a settled driver with a 50% NCD. 9 insurers quote this driver online, against 14 for the settled driver.
How much more is BMW X3 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,441.75, 68% more than the S$856.04 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW X3?
Yes, today: S$2,269.53 a year at 40 against S$3,941.09 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW X3?
AIG is cheapest for 21 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.