BMW car insurance
BMW X5 insurance quotes by driver
What the BMW X5 costs to insure today for 31 typical drivers, on a 3-year-old BMW X5 xDrive40i, 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$855.70 a year.
- A 25-year-old new driver pays from S$4,250.76, 5.0 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,441.20, 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 Sompo | S$5,716.54 | S$7,419.48 | 6 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest AIG | S$4,491.06 | S$7,123.91 | 7 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$4,250.76 | S$6,411.84 | 9 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,575.85 | S$5,828.28 | 9 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$2,846.28 | S$4,135.13 | 13 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,083.58 | S$5,178.25 | 9 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest India International | S$2,418.31 | S$3,082.49 | 13 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest AIG | S$1,328.07 | S$1,830.23 | 13 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest AIG | S$1,084.23 | S$1,725.16 | 13 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest AIG | S$1,395.93 | S$2,145.93 | 13 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$926.37 | S$1,608.70 | 13 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$855.70 | S$1,402.74 | 13 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest AIG | S$869.91 | S$1,364.67 | 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$1,441.20 | S$2,681.51 | 9 |
| 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$3,797.60 | S$4,439.46 | 5 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest AIG | S$899.16 | S$1,480.33 | 13 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest AIG | S$855.70 | S$1,402.74 | 13 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest AIG | S$2,369.61 | S$3,968.74 | 9 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest AIG | S$824.84 | S$1,402.74 | 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$824.84 | S$1,402.74 | 13 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest AIG | S$915.35 | S$1,509.56 | 13 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,021.40 | S$1,532.81 | 13 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,051.75 | S$1,508.40 | 13 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$933.41 | S$1,478.05 | 13 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,007.90 | S$1,540.62 | 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$1,697.51 | S$3,065.08 | 9 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,131.63 | S$1,686.07 | 11 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,131.63 | S$1,724.72 | 8 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,180.85 | S$1,839.39 | 7 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,180.85 | S$1,696.87 | 4 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,476.06 | S$1,515.22 | 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 X5 · This table as CSV · Compare with your own details.
Questions people ask
How much is BMW X5 insurance in Singapore?
From S$855.70 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BMW X5 xDrive40i, 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 X5 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$4,250.76 a year today at Sompo, 5.0 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 X5 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,441.20, 68% more than the S$855.70 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BMW X5?
Yes, today: S$2,369.61 a year at 40 against S$4,250.76 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BMW X5?
AIG is cheapest for 24 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.