BMW X4 insurance for a driver with two claims

In short

On 28 Oct 2026, the cheapest comprehensive car insurance for a BMW X4 driven by a driver with two claims is S$24,308.70 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); it is the only insurer that quotes this driver online.

• 1 insurer quotes this driver online; 13 do not.
• That is 17.8 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,364.67).

Why this driver pays this

• 2 at-fault claims in the last three years took the whole no-claim discount away, and many insurers add a claims loading as well, for three years. On this car the lowest price is 17.8 times what the same driver with no claims and a 50% NCD 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.
• 13 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); 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); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).

Price history

Since 27 Oct 2026 the lowest price is unchanged, and Etiqa 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 driver with two claims, the BMW X4 is the 557th cheapest of 557 car models to insure. Among 87 cars above 2,000cc it is 87th cheapest, 7.1 times the middle price of S$3,415.82.
• BMW X4 review: list price, COE, road tax and insurance.

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.