Typical car insurance quotes
Chevrolet Optra insurance for a 72-year-old with a 50% NCD
Every insurer's price today for a driver aged 72, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Chevrolet Optra 1.6, 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 Chevrolet Optra driven by a 72-year-old with a 50% NCD is S$706.67 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 7 insurers quote this driver online, up to S$1,568.17 at AIG.
- 7 insurers quote this driver online; 7 do not.
- That is 10% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$642.42).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$706.67 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,083.80 | S$2,500.00 |
| MS First CapitalComprehensive | S$1,114.69 | S$500.00 |
| ERGOSMART Comprehensive | S$1,124.10 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,180.68 | S$600.00 |
| SinglifeMotor Lite | S$1,212.18 | S$3,000.00 |
| AIGAIG Car Insurance Collision Only | S$1,568.17 | S$600.00 |
No online price for this driver: Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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$785.19 | +S$78.52 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$536.61 | −S$170.06 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$777.33 | +S$70.66 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 10% more than what a 40-year-old with the same 50% NCD pays (S$642.42).
- The car matters too: insurers group models by value, repair costs and claims; the Chevrolet Optra has a 1,598cc engine.
- 7 insurers do not quote this driver online on this car: Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Chevrolet Optra
- Priced as a Chevrolet Optra 1.6 (1,598cc), registered 3 years ago.
- With a 1,598cc engine, the Chevrolet Optra 1.6 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd 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 72-year-old with a 50% NCD, the Chevrolet Optra is the 111th cheapest of 584 car models to insure. Among 309 cars up to 1,600cc it is 111th cheapest, 3% less than the middle price of S$731.18.
- Chevrolet Optra review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$664.47 | India International |
| Toyota Corolla Altis | S$706.67 | India International |
| Honda Freed | S$706.67 | India International |
| Hyundai Kona | S$793.75 | India International |
| Honda Vezel | S$852.64 | Allianz |
| Mercedes-Benz C-Class | S$875.53 | Etiqa |
| BMW X1 | S$892.88 | India International |
| Mazda 3 | S$1,018.32 | Allianz |
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 Chevrolet Optra for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Chevrolet Optra insurance for a 72-year-old with a 50% NCD?
From S$706.67 a year today at India International, up to S$1,568.17 at AIG, across the 7 insurers that quote this driver online. That is for a driver aged 72, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Chevrolet Optra 1.6, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 10% more than the S$642.42 a 40-year-old with a 50% NCD and no claims pays for the same Chevrolet Optra.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
Which insurers do not quote a 72-year-old with a 50% NCD for a Chevrolet Optra online?
Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS quotes main drivers aged 26 to 70 online); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.