Typical car insurance quotes
BMW X4 xDrive30i insurance for a 30-year-old with a 20% NCD
Every insurer's price today for a driver aged 30, single, driving 3 years, a 20% no-claim discount, on a 3-year-old BMW X4 xDrive30i, 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 xDrive30i driven by a 30-year-old with a 20% NCD is S$2,146.41 a year (GST included) at Singlife, Motor Lite; 13 insurers quote this driver online, up to S$8,638.96 at Etiqa.
- 13 insurers quote this driver online; 1 do not.
- That is 2.6 times 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 |
|---|---|---|
| SinglifeMotor Lite | S$2,146.41 | S$3,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,288.55 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,347.54 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$2,403.92 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,465.53 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,629.29 | S$600.00 |
| MS First CapitalComprehensive | S$2,659.00 | S$500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$2,704.67 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$3,504.34 | S$2,000.00 |
| UOIUniCar Comprehensive Value | S$3,910.28 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$3,944.61 | S$600.00 |
| ERGOSMART Comprehensive | S$4,000.26 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$8,638.96 | 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$2,467.14 | +S$320.73 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,654.37 | −S$492.04 |
| Next year, with a 30% NCDAfter a year with no claim, at today's prices. | S$1,888.62 | −S$257.79 |
Why this driver pays this
- The no-claim discount comes off the premium: 20% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.6 times what a 40-year-old with a 50% NCD pays (S$840.90).
- The car matters too: insurers group models by value, repair costs and claims; the BMW X4 xDrive30i has a 1,998cc 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 Singlife has been cheapest throughout.
The BMW X4 xDrive30i
- Priced as a BMW X4 xDrive30i (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the BMW X4 xDrive30i 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 30-year-old with a 20% NCD, the BMW X4 xDrive30i is the 525th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 143rd cheapest, 19% more than the middle price of S$1,799.64.
- BMW X4 xDrive30i review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$1,408.12 | India International |
| Mazda CX-30 | S$1,408.12 | India International |
| Toyota Harrier | S$1,450.17 | India International |
| Toyota Voxy | S$1,548.93 | India International |
| Mercedes-Benz E-Class | S$1,746.56 | India International |
| Mercedes-Benz GLC | S$1,912.42 | Sompo |
| Lexus NX | S$2,013.08 | Sompo |
| Lexus RX | S$2,171.26 | Sompo |
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 xDrive30i for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW X4 xDrive30i insurance for a 30-year-old with a 20% NCD?
From S$2,146.41 a year today at Singlife, up to S$8,638.96 at Etiqa, across the 13 insurers that quote this driver online. That is for a driver aged 30, single, driving 3 years, a 20% no-claim discount, on a 3-year-old BMW X4 xDrive30i, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.6 times the S$840.90 a 40-year-old with a 50% NCD and no claims pays for the same BMW X4 xDrive30i.
What would lower the price?
Next year, with a 30% NCD: the lowest price becomes S$1,888.62, S$257.79 less than today's S$2,146.41. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Singlife has been cheapest throughout.
Which insurers do not quote a 30-year-old with a 20% NCD for a BMW X4 xDrive30i 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.