Typical car insurance quotes
BMW X4 insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, 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
On 28 Oct 2026, the cheapest comprehensive car insurance for a BMW X4 driven by a 40-year-old who works outdoors is S$1,364.67 a year (GST included) at Great Eastern, Drive and Save Plus Comprehensive (Authorised Workshop); 6 insurers quote this driver online, up to S$7,735.40 at Etiqa.
- 6 insurers quote this driver online; 8 do not.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,364.67).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,364.67 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,525.42 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,601.58 | S$2,000.00 |
| MS First CapitalComprehensive | S$1,626.13 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,939.92 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$7,735.40 | S$2,500.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet).
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$1,626.13 | +S$261.46 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,174.76 | −S$189.91 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,501.14 | +S$136.47 |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is about the same as what the same driver with an office job pays (S$1,364.67).
- The car matters too: insurers group models by value, repair costs and claims; the BMW X4 has a 2,998cc engine.
- 8 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Great Eastern has been cheapest throughout.
The BMW X4
- Priced as a BMW X4 M40I (2,998cc), registered 3 years ago.
- With a 2,998cc engine, above 1,600cc, the BMW X4 M40I needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$2,382.76 a year for a 2,998cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the BMW X4 is the 587th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 95th cheapest, 40% more than the middle price of S$975.27.
- BMW X4 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Infiniti Q60 | S$1,191.38 | Great Eastern |
| Audi S4 Saloon | S$1,207.46 | Allianz |
| Audi S5 | S$1,207.46 | Allianz |
| Audi S5 SPRTback | S$1,207.46 | Allianz |
| Audi SQ5 | S$1,228.35 | Allianz |
| Audi Q7 | S$1,253.25 | ECICS |
| Jaguar F-PACE R-SPORT | S$1,324.33 | Sompo |
| Infiniti Infiniti | S$1,348.62 | UOI |
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 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BMW X4 insurance for a 40-year-old who works outdoors?
From S$1,364.67 a year today at Great Eastern, up to S$7,735.40 at Etiqa, across the 6 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old BMW X4 M40I, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$1,364.67 a 40-year-old with a 50% NCD and no claims pays for the same BMW X4.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Great Eastern has been cheapest throughout.
Which insurers do not quote a 40-year-old who works outdoors for a BMW X4 online?
AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet).
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.