Typical car insurance quotes
BMW X3 insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, 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
On 28 Oct 2026, the cheapest comprehensive car insurance for a BMW X3 driven by a driver with demerit points is S$856.04 a year (GST included) at AIG, AIG Car Insurance Collision Only; 14 insurers quote this driver online, up to S$3,438.08 at Etiqa.
- 14 insurers quote this driver online.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$856.04).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$856.04 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,000.41 | S$1,200.00 |
| ECICSComprehensive | S$1,010.69 | S$750.00 |
| SinglifeMotor Lite | S$1,153.97 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,210.02 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,222.05 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,265.95 | S$600.00 |
| ERGOSMART Comprehensive | S$1,333.36 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,393.06 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,574.69 | S$2,000.00 |
| LibertyComprehensive Preferred Plan | S$2,015.29 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$3,438.08 | S$2,500.00 |
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income 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$1,176.95 | +S$320.91 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$874.15 | +S$18.11 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$934.79 | +S$78.75 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$856.04).
- The car matters too: insurers group models by value, repair costs and claims; the BMW X3 has a 1,998cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The BMW X3
- Priced as a BMW X3 xDrive20i (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW X3 xDrive20i needs a Category B COE (S$131,901 in the October 2026, 2nd 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 demerit points, the BMW X3 is the 401st cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 68th cheapest, 4% less than the middle price of S$889.31.
- BMW X3 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$759.57 | India International |
| Mazda CX-30 | S$759.57 | India International |
| Toyota Voxy | S$763.41 | HL Assurance |
| Toyota Harrier | S$782.00 | India International |
| Mercedes-Benz E-Class | S$906.36 | India International |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| Lexus RX | S$1,022.32 | HL Assurance |
| Lexus NX | S$1,023.58 | 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, DirectAsia, FWD, Income 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 X3 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW X3 insurance for a driver with demerit points?
From S$856.04 a year today at AIG, up to S$3,438.08 at Etiqa, across the 14 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old BMW X3 xDrive20i, 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$856.04 a 40-year-old with a 50% NCD and no claims pays for the same BMW X3.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
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.