Typical car insurance quotes
Denza D9 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 Denza D9 Elite 103.36 kWh, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Denza D9 driven by a 40-year-old new driver is S$2,105.79 a year (GST included) at Allianz, Allianz Electric Motor Protect Comprehensive; 2 insurers quote this driver online, up to S$11,517.38 at Etiqa.
Compare every insurer we price for a Denza D9 on one page: https://shentonbrokers.com/prices/car/denza-d9
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/denza-d9/age-40-new-driver
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.
- 2 insurers quote this driver online; 14 do not.
- That is 2.7 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$778.09).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Electric Motor Protect ComprehensiveBuy Now | S$2,105.79 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$11,517.38 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
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 quotes drivers with at least 2 years of driving experience online); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); 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 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); 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$2,295.40 | +S$189.61 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,568.57 | +S$462.78 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$1,516.15 | −S$589.64 |
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 Denza D9 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 14 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 quotes drivers with at least 2 years of driving experience online); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); 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 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); 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 down S$9,411.59 (82%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$2,105.79 | Allianz |
| A week ago 5 Nov 2026 | S$2,105.79 | Allianz (estimate) |
The Denza D9
- Priced as a Denza D9 Elite 103.36 kWh (electric), registered 3 years ago.
- A fully electric Denza D9 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
- For a 40-year-old new driver, the Denza D9 is the 632nd cheapest of 940 car models to insure. Among 143 electric cars it is 58th cheapest, 4% less than the middle price of S$2,192.91.
- Denza D9 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Tesla Model 3 | S$1,886.99 | Allianz |
| Tesla Model Y | S$2,153.85 | Allianz |
| BYD Atto 3 | S$2,192.91 | Allianz |
| BYD M6 | S$2,326.00 | Allianz |
| Hyundai Ioniq 5 | S$2,363.44 | Etiqa |
| Aion V | S$2,440.36 | AIG |
| BYD Sealion 7 | S$2,718.72 | Sompo |
| BMW iX1 | S$3,124.87 | 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, 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 Denza D9 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.
- Allianz, Allianz Electric Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/ev-comprehensive?brand=denza&model=denza-d9-elite-103-36-kwh&ncd=0&licenceYears=1&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is Denza D9 insurance for a 40-year-old new driver?
From S$2,105.79 a year today at Allianz, up to S$11,517.38 at Etiqa, across the 2 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 Denza D9 Elite 103.36 kWh, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.7 times the S$778.09 a 40-year-old with a 50% NCD and no claims pays for the same Denza D9.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$1,516.15, S$589.64 less than today's S$2,105.79. After a year with no claim, at today's prices.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$9,411.59 (82%), and the cheapest insurer has changed 2 times.
Which insurers do not quote a 40-year-old new driver for a Denza D9 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 quotes drivers with at least 2 years of driving experience online); ERGO (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); 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 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); 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.