Typical car insurance quotes
BMW X4 xDrive20i 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 X4 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 X4 xDrive20i driven by a driver with a Certificate of Merit is S$810.58 a year (GST included) at AIG, AIG Car Insurance Collision Only; 13 insurers quote this driver online, up to S$3,144.26 at Etiqa.
- 13 insurers quote this driver online; 1 do not.
- That is 4% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$840.90).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$810.58 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$876.01 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,037.02 | S$600.00 |
| SinglifeMotor Lite | S$1,131.56 | S$3,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,160.94 | S$600.00 |
| MS First CapitalComprehensive | S$1,210.02 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,233.57 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,234.10 | S$3,000.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,468.18 | S$2,000.00 |
| UOIUniCar Comprehensive Value | S$1,488.63 | S$500.00 |
| ERGOSMART Comprehensive | S$1,676.66 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,824.39 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$3,144.26 | S$2,500.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote).
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$1,030.60 | +S$220.02 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$778.09 | −S$32.49 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$885.15 | +S$74.57 |
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$810.58).
- The car matters too: insurers group models by value, repair costs and claims; the BMW X4 xDrive20i has a 1,997cc engine.
- 1 insurer does not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The BMW X4 xDrive20i
- Priced as a BMW X4 xDrive20i (1,997cc), registered 3 years ago.
- With a 1,997cc engine, above 1,600cc, the BMW X4 xDrive20i needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,208.58 a year for a 1,997cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the BMW X4 xDrive20i is the 386th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 65th cheapest, 4% less than the middle price of S$842.72.
- BMW X4 xDrive20i review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$721.59 | India International |
| Mazda CX-30 | S$721.59 | India International |
| Toyota Voxy | S$725.24 | HL Assurance |
| Toyota Harrier | S$742.90 | India International |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| Mercedes-Benz GLC | S$886.76 | HL Assurance |
| Lexus NX | S$939.85 | Etiqa |
| Lexus RX | S$939.85 | 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 X4 xDrive20i for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW X4 xDrive20i insurance for a driver with a Certificate of Merit?
From S$810.58 a year today at AIG, up to S$3,144.26 at Etiqa, across the 13 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 X4 xDrive20i, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 4% less than the S$840.90 a 40-year-old with a 50% NCD and no claims pays for the same BMW X4 xDrive20i.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
Which insurers do not quote a driver with a Certificate of Merit for a BMW X4 xDrive20i online?
ECICS (ECICS does not list this model on its online quote).
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.