Typical car insurance quotes
Ford Focus HTBK insurance for a 35-year-old with a 50% NCD
Every insurer's price today for a driver aged 35, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Ford Focus HTBK 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 Ford Focus HTBK driven by a 35-year-old with a 50% NCD is S$642.42 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 12 insurers quote this driver online, up to S$2,160.36 at QBE.
- 12 insurers quote this driver online; 2 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$642.42).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$642.42 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$786.04 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$893.44 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$968.03 | S$600.00 |
| UOIUniCar Comprehensive Value | S$986.48 | S$500.00 |
| ECICSComprehensive | S$1,013.65 | S$750.00 |
| MS First CapitalComprehensive | S$1,043.77 | S$500.00 |
| ERGOSMART Comprehensive | S$1,077.65 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,079.17 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,210.21 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,231.36 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,160.36 | S$3,000.00 |
No online price for this driver: Etiqa (This insurer has no online price for this car model yet); Singlife (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$713.81 | +S$71.39 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$490.50 | −S$151.92 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$706.67 | +S$64.25 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Ford Focus HTBK has a 1,596cc engine.
- 2 insurers do not quote this driver online on this car: Etiqa (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Ford Focus HTBK
- Priced as a Ford Focus HTBK 1.6 (1,596cc), registered 3 years ago.
- With a 1,596cc engine, the Ford Focus HTBK 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$740.56 a year for a 1,596cc engine, before any surcharge for a car over 10 years old.
- For a 35-year-old with a 50% NCD, the Ford Focus HTBK is the 109th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 109th cheapest, 4% less than the middle price of S$666.79.
- Ford Focus HTBK review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$604.07 | India International |
| Toyota Corolla Altis | S$642.42 | India International |
| Honda Freed | S$642.42 | India International |
| Hyundai Kona | S$721.59 | India International |
| Mazda 3 | S$768.60 | HL Assurance |
| Mercedes-Benz C-Class | S$774.79 | Etiqa |
| BMW X1 | S$811.71 | India International |
| Honda Vezel | S$853.81 | 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 Ford Focus HTBK for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Ford Focus HTBK insurance for a 35-year-old with a 50% NCD?
From S$642.42 a year today at India International, up to S$2,160.36 at QBE, across the 12 insurers that quote this driver online. That is for a driver aged 35, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Ford Focus HTBK 1.6, 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$642.42 a 40-year-old with a 50% NCD and no claims pays for the same Ford Focus HTBK.
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 35-year-old with a 50% NCD for a Ford Focus HTBK online?
Etiqa (This insurer has no online price for this car model yet); Singlife (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.