Typical car insurance quotes
Citroen DS3 THP insurance for a 40-year-old new driver
Every insurer's price today for a driver aged 40, married, driving 1 year, no no-claim discount, on a 3-year-old Citroen DS3 THP 1.6 (M) - COPE, 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 Citroen DS3 THP driven by a 40-year-old new driver is S$1,876.27 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 6 insurers quote this driver online, up to S$3,323.82 at MS First Capital.
- 6 insurers quote this driver online; 8 do not.
- That is 2.4 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$772.58).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,876.27 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,251.42 | S$2,500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$2,462.96 | S$2,000.00 |
| LibertyComprehensive Preferred Plan | S$2,887.37 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$3,211.36 | S$600.00 |
| MS First CapitalComprehensive | S$3,323.82 | S$500.00 |
No online price for this driver: ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (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, 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$2,251.53 | +S$375.26 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,356.33 | −S$519.94 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$1,608.28 | −S$267.99 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off.
- The car matters too: insurers group models by value, repair costs and claims; the Citroen DS3 THP has a 1,598cc engine.
- 8 insurers do not quote this driver online on this car: ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (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 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Citroen DS3 THP
- Priced as a Citroen DS3 THP 1.6 (M) - COPE (1,598cc), registered 3 years ago.
- With a 1,598cc engine, the Citroen DS3 THP 1.6 (M) - COPE 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 40-year-old new driver, the Citroen DS3 THP is the 309th cheapest of 588 car models to insure. Among 311 cars up to 1,600cc it is 233rd cheapest, 9% more than the middle price of S$1,726.17.
- Citroen DS3 THP review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz C-Class | S$1,614.48 | Sompo |
| Toyota Corolla Altis | S$1,623.35 | Sompo |
| Honda Vezel | S$1,654.86 | Sompo |
| Toyota Sienta | S$1,666.12 | Sompo |
| Honda Freed | S$1,666.12 | Sompo |
| Mazda 3 | S$1,866.84 | Sompo |
| Hyundai Kona | S$1,951.80 | Sompo |
| BMW X1 | S$2,059.61 | Sompo |
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 Citroen DS3 THP for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Citroen DS3 THP insurance for a 40-year-old new driver?
From S$1,876.27 a year today at Sompo, up to S$3,323.82 at MS First Capital, across the 6 insurers that quote this driver online. That is for a driver aged 40, married, driving 1 year, no no-claim discount, on a 3-year-old Citroen DS3 THP 1.6 (M) - COPE, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.4 times the S$772.58 a 40-year-old with a 50% NCD and no claims pays for the same Citroen DS3 THP.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$1,608.28, S$267.99 less than today's S$1,876.27. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
Which insurers do not quote a 40-year-old new driver for a Citroen DS3 THP online?
ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); India International (This insurer has no online price for this car model yet); QBE (This insurer's online price is for drivers with at least 2 years of driving experience); Singlife (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.