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BMW X4 xDrive35i insurance quotes by driver

What the BMW X4 xDrive35i costs to insure today for 31 typical drivers, on a 3-year-old BMW X4 xDrive35i, 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$1,021.38 a year.
  • A 25-year-old new driver pays from S$3,941.09, 3.9 times the settled driver's price.
  • One S$5,000 claim takes the price to S$1,720.24, 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

Each driver's lowest premium and the middle insurer's lowest (typical), GST included. Open a price to see the quote with these answers.
DriverLowestTypicalInsurers
21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest SompoS$5,300.07S$7,144.645
23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest SompoS$4,570.39S$6,817.376
25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest SompoS$3,941.09S$6,584.178
27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest SompoS$3,315.35S$6,025.198
28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest SompoS$2,638.92S$4,248.6311
30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest SompoS$2,858.94S$5,335.508
30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest SompoS$2,288.55S$3,269.5511
30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest SompoS$1,462.44S$1,869.3111
30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest AIGS$1,290.22S$1,725.1611
35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest SompoS$1,639.32S$2,306.8311
35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest AIGS$1,104.40S$1,647.7411
40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest AIGS$1,021.38S$1,418.6511
40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest AIGS$1,037.68S$1,364.6711
40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest AIGS$1,720.24S$3,007.997
40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest SinglifeS$3,639.35S$4,881.173
40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest AIGS$1,077.81S$1,601.5811
40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest AIGS$1,021.38S$1,418.6511
40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest SompoS$2,269.53S$4,077.408
45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest AIGS$984.74S$1,402.7411
45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest AIGS$984.74S$1,402.7411
50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest AIGS$1,091.96S$1,532.8111
55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,217.60S$1,532.8111
60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,252.61S$1,532.8111
60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,110.66S$1,556.3611
65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,197.47S$1,659.5710
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 AIGS$2,016.79S$3,065.087
70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest SompoS$1,268.67S$1,703.339
72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,342.72S$1,763.377
75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,401.11S$1,839.397
78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest AIGS$1,401.11S$1,664.484
80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest SinglifeS$1,489.60S$1,620.492

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 xDrive35i · This table as CSV · Compare with your own details.

Questions people ask

How much is BMW X4 xDrive35i insurance in Singapore?

From S$1,021.38 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW X4 xDrive35i, 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 xDrive35i 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, 3.9 times the price for a settled driver with a 50% NCD. 8 insurers quote this driver online, against 11 for the settled driver.

How much more is BMW X4 xDrive35i insurance after a claim?

After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,720.24, 68% more than the S$1,021.38 with no claims.

Does a new driver aged 40 pay less than a young new driver for a BMW X4 xDrive35i?

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 xDrive35i?

AIG is cheapest for 18 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.