Typical car insurance quotes
Chevrolet Cruze5 SPRTback insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Chevrolet Cruze5 SPRTback 1.6 (A), private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Chevrolet Cruze5 SPRTback driven by a driver with demerit points is S$692.43 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 6 insurers quote this driver online, up to S$2,062.16 at QBE.
Compare every insurer we price for a Chevrolet Cruze5 SPRTback on one page: https://shentonbrokers.com/prices/car/chevrolet-cruze5-sprtback
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/chevrolet-cruze5-sprtback/age-40-demerit-points
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.
- 6 insurers quote this driver online; 10 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$692.43).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$692.43 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy Now | S$826.23 | S$700.00 | Authorised workshops | Yes, S$100 excess | S$20,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$920.55 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$954.93 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| ERGOSMART ComprehensiveBuy Now | S$1,039.50 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$2,062.16 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (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); MS First Capital (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); UOI (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, FWD, Income, MSIG 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$814.63 | +S$122.20 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$619.68 | −S$72.75 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$761.68 | +S$69.25 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$692.43).
- The car matters too: insurers group models by value, repair costs and claims; the Chevrolet Cruze5 SPRTback has a 1,598cc engine.
- 10 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (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); MS First Capital (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); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$692.43 | HL Assurance |
| A week ago 5 Nov 2026 | S$692.43 | HL Assurance |
The Chevrolet Cruze5 SPRTback
- Priced as a Chevrolet Cruze5 SPRTback 1.6 (A) (1,598cc), registered 3 years ago.
- With a 1,598cc engine, the Chevrolet Cruze5 SPRTback 1.6 (A) needs a Category A COE (S$139,001 in the November 2026, 1st round) if its power is 97kW (130bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more.
- Road tax: about S$741.72 a year for a 1,598cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Chevrolet Cruze5 SPRTback is the 161st cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 129th cheapest, 7% less than the middle price of S$743.33.
- Chevrolet Cruze5 SPRTback review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Vezel | S$671.95 | Allianz |
| Toyota Sienta | S$674.30 | HL Assurance |
| Honda Freed | S$699.95 | Allianz |
| Toyota Corolla Altis | S$713.21 | HL Assurance |
| Mazda 3 | S$730.18 | HL Assurance |
| BMW X1 | S$763.00 | ECICS |
| Hyundai Kona | S$763.00 | ECICS |
| Mercedes-Benz C-Class | S$763.00 | ECICS |
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, FWD, Income, MSIG 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 Chevrolet Cruze5 SPRTback for every driver · Other cars for this driver · Compare with your own details.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Great American, Motor Private Car Comprehensive (Authorised Workshop): https://shentonbrokers.com/go/buy/car/great-american/comprehensive-authorised-workshop?brand=chevrolet&model=chevrolet-cruze5-sprtback-1-6-a&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=chevrolet&model=chevrolet-cruze5-sprtback-1-6-a&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=chevrolet&model=chevrolet-cruze5-sprtback-1-6-a&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=chevrolet&model=chevrolet-cruze5-sprtback-1-6-a&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=no&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is Chevrolet Cruze5 SPRTback insurance for a driver with demerit points?
From S$692.43 a year today at HL Assurance, up to S$2,062.16 at QBE, across the 6 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Chevrolet Cruze5 SPRTback 1.6 (A), 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$692.43 a 40-year-old with a 50% NCD and no claims pays for the same Chevrolet Cruze5 SPRTback.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Chevrolet Cruze5 SPRTback online?
AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (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); MS First Capital (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); UOI (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.