Typical car insurance quotes
BYD Atto 3 insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BYD ATTO 3, 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 BYD Atto 3 driven by a driver with a Certificate of Merit is S$760.00 a year (GST included) at AIG, AIG Car Insurance Collision Only; 8 insurers quote this driver online, up to S$1,995.76 at Etiqa.
- 8 insurers quote this driver online; 6 do not.
- That is 4% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$789.73).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$760.00 | S$600.00 |
| AllianzAllianz Electric Motor Protect Comprehensive | S$1,004.87 | S$2,000.00 |
| ECICSComprehensive | S$1,142.03 | S$750.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,226.41 | S$1,200.00 |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop) | S$1,291.67 | S$900.00 |
| SinglifeMotor Lite | S$1,349.65 | S$3,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,390.72 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,995.76 | S$2,500.00 |
No online price for this driver: ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer's online price is for repairs at any workshop); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); UOI (This insurer's online price is for repairs at any workshop).
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$1,185.74 | +S$425.74 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$934.74 | +S$174.74 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$829.93 | +S$69.93 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is about the same as what the same driver without one pays (S$760.00).
- The BYD Atto 3 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 6 insurers do not quote this driver online on this car: ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer's online price is for repairs at any workshop); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); UOI (This insurer's online price is for repairs at any workshop).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The BYD Atto 3
- Priced as a BYD ATTO 3 (electric), registered 3 years ago.
- A fully electric BYD Atto 3 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more powerful.
- For a driver with a Certificate of Merit, the BYD Atto 3 is the 311th cheapest of 590 car models to insure. Among 18 electric cars it is 3rd cheapest, 15% less than the middle price of S$894.31.
- BYD Atto 3 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Kia EV6 | S$821.31 | Allianz |
| Tesla Model 3 | S$864.68 | Allianz |
| Hyundai Ioniq 5 | S$923.94 | Etiqa |
| Mercedes-Benz EQA | S$970.91 | Etiqa |
| Mercedes-Benz EQB | S$970.91 | Etiqa |
| Tesla Model Y | S$986.97 | Allianz |
| Mercedes-Benz EQE 350+ AMG | S$1,045.10 | AIG |
| Audi e-tron Electric | S$1,479.56 | Great Eastern |
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 BYD Atto 3 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is BYD Atto 3 insurance for a driver with a Certificate of Merit?
From S$760.00 a year today at AIG, up to S$1,995.76 at Etiqa, across the 8 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old BYD ATTO 3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 4% less than the S$789.73 a 40-year-old with a 50% NCD and no claims pays for the same BYD Atto 3.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
Which insurers do not quote a driver with a Certificate of Merit for a BYD Atto 3 online?
ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for electric cars); Liberty (This insurer's online price is for repairs at any workshop); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); UOI (This insurer's online price is for repairs at any workshop).
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.