BYD car insurance
BYD M3e insurance quotes by driver
What the BYD M3e costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old BYD M3e 50.3 kWh, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a BYD M3e on one page: https://shentonbrokers.com/prices/car/byd-m3e
On 12 Nov 2026, BYD M3e insurance costs from S$771.52 a year (Allianz) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/byd-m3e
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$771.52 a year.
- A 25-year-old new driver pays from S$3,136.20, 4.1 times the settled driver's price.
- One S$5,000 claim takes the price to S$2,675.41, 3.5 times 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 | S$6,732.41Buy NowAIG | S$7,479.70 | 2 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$6,649.81Buy NowAIG | S$7,243.03 | 2 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$5,248.61Buy NowAIG | S$6,399.54 | 2 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$7,516.20Buy NowEtiqa | S$7,811.39 | 2 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$3,136.20Buy NowAllianz | S$5,829.97 | 4 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$3,089.78Buy NowAllianz | S$5,526.51 | 4 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$3,043.39Buy NowAllianz | S$5,261.45 | 4 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$2,157.80Buy NowAllianz | S$3,852.79 | 5 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$2,950.55Buy NowAllianz | S$4,806.54 | 4 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$2,904.16Buy NowAllianz | S$4,560.85 | 4 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$1,858.65Buy NowAllianz | S$2,793.26 | 5 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$1,073.09Buy NowAllianz | S$1,634.66 | 5 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$909.40Buy NowAllianz | S$1,634.66 | 5 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$1,011.91Buy NowAllianz | S$1,729.40 | 5 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$960.49Buy NowAllianz | S$1,702.14 | 5 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$917.39Buy NowAllianz | S$1,628.94 | 5 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$881.43Buy NowAllianz | S$1,627.49 | 5 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$1,192.33Buy NowAllianz | S$2,222.24 | 5 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$851.65Buy NowAllianz | S$1,587.31 | 5 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$827.24Buy NowAllianz | S$1,429.46 | 5 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$807.53Buy NowAllianz | S$1,389.25 | 5 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$791.98Buy NowAllianz | S$1,349.08 | 5 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$780.12Buy NowAllianz | S$1,331.85 | 5 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$771.52Buy NowAllianz | S$1,314.63 | 5 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$697.09Buy NowAllianz | S$1,314.63 | 5 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$2,675.41Buy NowEtiqa | S$2,766.35 | 2 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | S$6,183.58Buy NowEtiqa | S$6,955.43 | 2 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$771.52Buy NowAllianz | S$1,314.63 | 5 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$835.19Buy NowAllianz | S$1,314.63 | 5 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$2,088.01Buy NowAllianz | S$2,981.92 | 4 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$765.86Buy NowAllianz | S$1,297.39 | 5 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$762.84Buy NowAllianz | S$1,280.18 | 5 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$762.18Buy NowAllianz | S$1,262.96 | 5 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$763.60Buy NowAllianz | S$1,277.32 | 5 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$766.92Buy NowAllianz | S$1,291.67 | 5 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$766.92Buy NowAllianz | S$1,291.67 | 5 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$771.90Buy NowAllianz | S$1,306.03 | 5 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$778.34Buy NowAllianz | S$1,320.36 | 5 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$785.98Buy NowAllianz | S$1,334.73 | 5 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$794.67Buy NowAllianz | S$1,377.78 | 5 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$804.15Buy NowAllianz | S$1,392.12 | 5 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$814.19Buy NowAllianz | S$1,351.94 | 5 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$824.55Buy NowAllianz | S$1,357.68 | 5 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$834.98Buy NowAllianz | S$1,363.43 | 5 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$845.22Buy NowAllianz | S$1,369.16 | 5 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$854.98Buy NowAllianz | S$1,374.92 | 5 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$863.96Buy NowAllianz | S$1,380.65 | 5 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$871.89Buy NowAllianz | S$1,386.39 | 5 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$878.42Buy NowAllianz | S$1,392.12 | 5 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$883.25Buy NowAllianz | S$1,397.88 | 5 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$886.09Buy NowAllianz | S$1,403.60 | 5 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$808.00Buy NowAllianz | S$1,403.60 | 5 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$886.62Buy NowAllianz | S$1,409.35 | 5 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$884.58Buy NowAllianz | S$1,415.09 | 5 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$879.71Buy NowAllianz | S$1,422.26 | 5 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$871.74Buy NowAllianz | S$1,425.15 | 5 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$860.52Buy NowAllianz | S$1,428.01 | 5 |
| 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% | S$2,867.26Buy NowEtiqa | S$2,871.56 | 2 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$854.37Buy NowAllianz | S$1,430.88 | 5 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$852.65Buy NowAllianz | S$1,433.74 | 5 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$846.53Buy NowAllianz | S$1,435.19 | 5 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$835.85Buy NowAllianz | S$1,674.87 | 5 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$820.54Buy NowAllianz | S$1,461.83 | 4 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$818.33Buy NowAllianz | S$1,500.87 | 4 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$849.47Buy NowAllianz | S$1,500.87 | 4 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$860.08Buy NowAllianz | S$1,500.87 | 4 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$872.98Buy NowAllianz | S$1,500.87 | 4 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$886.08Buy NowAllianz | S$1,524.95 | 4 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | S$1,155.79Buy NowAIG | S$1,524.95 | 2 |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | S$1,155.79Buy NowAIG | S$1,524.95 | 2 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | S$1,155.79Buy NowAIG | S$1,524.95 | 2 |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | S$1,155.79Buy NowAIG | S$1,524.95 | 2 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | S$1,444.74Buy NowAIG | S$1,669.42 | 2 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the BYD M3e · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Electric Motor Protect ComprehensiveBuy Now | S$771.52 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$799.24 | S$1,000.00 | Authorised workshops | Optional add-on | Not included |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop)Buy Now | S$1,314.63 | S$900.00 | Any workshop | Yes, S$100 excess | S$120,000 |
| SinglifeMotor LiteBuy Now | S$1,748.40 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$1,760.47 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); HL Assurance (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); Sompo (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.
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$835.27 | +S$63.75 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$787.28 | +S$15.76 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$898.86 | +S$127.34 |
Why it costs this
For a driver aged 40 with a 50% NCD on this BYD M3e:
- The BYD M3e is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 11 insurers do not quote this driver online on this car: DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); HL Assurance (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); Sompo (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
For a driver aged 40 with a 50% NCD on this BYD M3e: Since 2 Nov 2026 the lowest price is down S$988.95 (56%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$771.52 | Allianz |
| A week ago 5 Nov 2026 | S$771.52 | Allianz (estimate) |
How these prices are worked out
Each price is what the insurer charges today for each driver on this BYD M3e, GST included: from the rates and plans 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 sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- Allianz: https://shentonbrokers.com/go/buy/car/allianz/ev-comprehensive-cap?brand=byd&model=byd-m3e-50-3-kwh&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=f&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Etiqa: https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is BYD M3e insurance in Singapore?
From S$771.52 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old BYD M3e 50.3 kWh, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is BYD M3e insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,136.20 a year today at Allianz, 4.1 times the price for a settled driver with a 50% NCD. 4 insurers quote this driver online, against 5 for the settled driver.
How much more is BYD M3e insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$2,675.41, 3.5 times the S$771.52 with no claims.
Does a new driver aged 40 pay less than a young new driver for a BYD M3e?
Yes, today: S$2,088.01 a year at 40 against S$3,136.20 at 25, both in their first year with no NCD.
Which insurer is cheapest for a BYD M3e?
Allianz is cheapest for 61 of the 73 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.