Typical car insurance quotes
Citroen C3 VTi 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 Citroen C3 VTi 120, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Citroen C3 VTi driven by a driver with a Certificate of Merit is S$784.92 a year (GST included) at Great American, Motor Private Car Comprehensive (Authorised Workshop); 12 insurers quote this driver online, up to S$1,427.57 at Singlife.
Compare every insurer we price for a Citroen C3 VTi on one page: https://shentonbrokers.com/prices/car/citroen-c3-vti
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/citroen-c3-vti/age-45-certificate-of-merit
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.
- 12 insurers quote this driver online; 4 do not.
- That is 5% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$826.23).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| Great AmericanMotor Private Car Comprehensive (Authorised Workshop)Buy Now | S$784.92 | S$700.00 | Authorised workshops | Yes, S$100 excess | S$20,000 |
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$811.40 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| ECICSComprehensiveBuy Now | S$844.18 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$856.52 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$918.52 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$938.25 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,036.56 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| UOIUniCar Comprehensive ValueBuy Now | S$1,089.06 | S$500.00 | Authorised workshops | Yes | S$20,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$1,132.98 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| MS First CapitalComprehensiveBuy Now | S$1,174.79 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| QBEPrivate Motor Prestige ComprehensiveBuy Now | S$1,379.29 | S$3,000.00 | Authorised workshops | Yes, no excess | S$20,000 |
| SinglifeMotor LiteBuy Now | S$1,427.57 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
No online price for this driver: AIG (This insurer has no online price for this car model yet); 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); ERGO (This insurer has no online price for this car model yet); India International (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$941.90 | +S$156.98 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$749.31 | −S$35.61 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$844.18 | +S$59.26 |
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 5% less than what the same driver without one pays (S$826.23).
- The car matters too: insurers group models by value, repair costs and claims; the Citroen C3 VTi has a 1,598cc engine.
- 4 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); 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); ERGO (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is down S$26.48 (3%), and the cheapest insurer has changed once.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$784.92 | Great American |
| A week ago 5 Nov 2026 | S$811.40 | HL Assurance |
The Citroen C3 VTi
- Priced as a Citroen C3 VTi 120 (1,598cc), registered 3 years ago.
- With a 1,598cc engine, the Citroen C3 VTi 120 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 a Certificate of Merit, the Citroen C3 VTi is the 527th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 376th cheapest, 11% more than the middle price of S$704.21.
- Citroen C3 VTi review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Vezel | S$617.03 | Allianz |
| Toyota Sienta | S$640.58 | HL Assurance |
| Honda Freed | S$642.74 | Allianz |
| Toyota Corolla Altis | S$677.54 | HL Assurance |
| Mazda 3 | S$693.67 | HL Assurance |
| Mercedes-Benz C-Class | S$725.34 | Etiqa |
| Hyundai Kona | S$730.01 | HL Assurance |
| BMW X1 | 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 Citroen C3 VTi 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.
- Great American, Motor Private Car Comprehensive (Authorised Workshop): https://shentonbrokers.com/go/buy/car/great-american/comprehensive-authorised-workshop?brand=citroen&model=citroen-c3-vti-120&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- ECICS, Comprehensive: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=citroen&model=citroen-c3-vti-120&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=citroen&model=citroen-c3-vti-120&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=citroen&model=citroen-c3-vti-120&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
- QBE, Private Motor Prestige Comprehensive: https://shentonbrokers.com/go/buy/car/qbe/comprehensive?brand=citroen&model=citroen-c3-vti-120&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
Questions people ask
How much is Citroen C3 VTi insurance for a driver with a Certificate of Merit?
From S$784.92 a year today at Great American, up to S$1,427.57 at Singlife, across the 12 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 Citroen C3 VTi 120, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5% less than the S$826.23 a 40-year-old with a 50% NCD and no claims pays for the same Citroen C3 VTi.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$26.48 (3%), and the cheapest insurer has changed once.
Which insurers do not quote a driver with a Certificate of Merit for a Citroen C3 VTi online?
AIG (This insurer has no online price for this car model yet); 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); ERGO (This insurer has no online price for this car model yet); India International (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.