BMW car insurance
BMW X4 xDrive28i insurance quotes by driver
What the BMW X4 xDrive28i costs to insure today for 31 typical drivers, on a 3-year-old BMW X4 xDrive28i, 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$840.90 a year.
- A 25-year-old new driver pays from S$3,941.09, 4.7 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,416.26, 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$6,963.28 | 6 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest AIG | S$4,412.22 | 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$3,514.61 | 13 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,858.94 | S$4,466.83 | 9 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest Singlife | S$2,146.41 | S$2,659.00 | 13 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest HL Assurance | S$1,293.69 | S$1,561.14 | 13 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest AIG | S$1,065.32 | S$1,540.95 | 13 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest AIG | S$1,371.69 | S$2,122.28 | 13 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$910.28 | S$1,515.92 | 13 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$840.90 | S$1,255.49 | 13 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$854.83 | S$1,255.49 | 13 |
| 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$1,416.26 | S$2,609.66 | 8 |
| 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$4,484.90 | 4 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest AIG | S$883.78 | S$1,402.72 | 13 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest AIG | S$840.90 | S$1,265.95 | 13 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$2,269.53 | S$3,423.49 | 9 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest AIG | S$810.58 | S$1,233.57 | 13 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest AIG | S$810.58 | S$1,233.57 | 13 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest AIG | S$899.48 | S$1,329.49 | 13 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,003.66 | S$1,322.22 | 13 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,033.44 | S$1,340.47 | 13 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$917.13 | S$1,340.47 | 13 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$990.24 | S$1,417.35 | 12 |
| 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$1,667.78 | S$2,726.43 | 8 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,111.73 | S$1,540.95 | 11 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,111.73 | S$1,540.32 | 8 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,160.09 | S$1,696.30 | 7 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,160.09 | 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$1,337.17 | 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 X4 xDrive28i · This table as CSV · Compare with your own details.
Questions people ask
How much is BMW X4 xDrive28i insurance in Singapore?
From S$840.90 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW X4 xDrive28i, 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 xDrive28i 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, 4.7 times the price for a settled driver with a 50% NCD. 9 insurers quote this driver online, against 13 for the settled driver.
How much more is BMW X4 xDrive28i insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,416.26, 68% more than the S$840.90 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW X4 xDrive28i?
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 X4 xDrive28i?
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.