BMW car insurance
BMW X4 insurance quotes by driver
What the BMW X4 costs to insure today for 31 typical drivers, on a 3-year-old BMW X4 M40I, 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$1,364.67 a year.
- A 25-year-old new driver pays from S$6,411.84, 4.7 times the settled driver's price.
- One S$5,000 claim takes the price to S$2,528.23, 85% more than the settled driver's price.
- Online prices here run from age 21 to 78; 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; cheapest MS First Capital | S$9,352.59 | S$10,159.68 | 2 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest MS First Capital | S$7,832.64 | S$9,399.70 | 2 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Allianz | S$6,411.84 | S$8,861.63 | 4 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest MS First Capital | S$5,828.28 | S$7,611.82 | 4 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Great Eastern | S$3,328.08 | S$4,619.78 | 6 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest MS First Capital | S$5,178.25 | S$5,715.10 | 4 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest Great Eastern | S$2,857.93 | S$3,757.68 | 6 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest Great Eastern | S$1,696.89 | S$2,028.91 | 6 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest HL Assurance | S$1,688.28 | S$1,806.48 | 6 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest MS First Capital | S$2,145.93 | S$2,390.97 | 6 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest HL Assurance | S$1,446.58 | S$1,707.84 | 6 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest Great Eastern | S$1,364.67 | S$1,502.16 | 6 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest HL Assurance | S$1,305.55 | S$1,405.88 | 6 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest Great Eastern | S$2,528.23 | S$3,552.10 | 3 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest Etiqa | S$24,308.70 | S$24,308.70 | 1 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest Great Eastern | S$1,364.67 | S$1,613.86 | 6 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest Great Eastern | S$1,364.67 | S$1,555.13 | 6 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest MS First Capital | S$3,968.74 | S$4,227.46 | 4 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest Great Eastern | S$1,340.84 | S$1,497.38 | 6 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest HL Assurance | S$1,305.55 | S$1,497.38 | 6 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest HL Assurance | S$1,417.65 | S$1,601.06 | 6 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest Great Eastern | S$1,427.26 | S$1,653.82 | 6 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest Great Eastern | S$1,457.04 | S$1,686.11 | 6 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest HL Assurance | S$1,442.97 | S$1,567.17 | 6 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest Great Eastern | S$1,482.37 | S$1,786.33 | 5 |
| 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 Great Eastern | S$2,746.29 | S$4,119.72 | 3 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,686.07 | S$2,033.76 | 4 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,686.07 | S$1,763.37 | 3 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,686.07 | S$1,839.39 | 3 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,839.35 | S$1,839.35 | 1 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 |
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 X4 · This table as CSV · Compare with your own details.
Questions people ask
How much is BMW X4 insurance in Singapore?
From S$1,364.67 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW X4 M40I, 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 X4 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$6,411.84 a year today at Allianz, 4.7 times the price for a settled driver with a 50% NCD. 4 insurers quote this driver online, against 6 for the settled driver.
How much more is BMW X4 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$2,528.23, 85% more than the S$1,364.67 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW X4?
Yes, today: S$3,968.74 a year at 40 against S$6,411.84 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW X4?
Great Eastern is cheapest for 12 of the 30 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.