Typical car insurance quotes
Ford Focus ST insurance for a 27-year-old new driver
Every insurer's price today for a driver aged 27, single, driving 1 year, no no-claim discount, on a 3-year-old Ford Focus ST 2.5, 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 ST driven by a 27-year-old new driver is S$3,593.85 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 6 insurers quote this driver online, up to S$9,423.12 at Etiqa.
- 6 insurers quote this driver online; 8 do not.
- That is 3.6 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,000.28).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$3,593.85 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$3,886.08 | S$2,000.00 |
| SinglifeMotor Lite | S$4,128.35 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$5,463.46 | S$600.00 |
| UOIUniCar Comprehensive Value | S$5,955.93 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$9,423.12 | S$2,500.00 |
No online price for this driver: AIG (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'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); MS First Capital (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).
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$4,312.56 | +S$718.71 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,597.95 | −S$995.90 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$2,797.95 | −S$795.90 |
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. Young drivers, under about 26, pay a further loading at most insurers.
- The car matters too: insurers group models by value, repair costs and claims; the Ford Focus ST has a 2,522cc engine.
- 8 insurers do not quote this driver online on this car: AIG (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'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); MS First Capital (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).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Ford Focus ST
- Priced as a Ford Focus ST 2.5 (2,522cc), registered 3 years ago.
- With a 2,522cc engine, above 1,600cc, the Ford Focus ST 2.5 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,824.40 a year for a 2,522cc engine, before any surcharge for a car over 10 years old.
- For a 27-year-old new driver, the Ford Focus ST is the 533rd cheapest of 588 car models to insure. Among 95 cars above 2,000cc it is 73rd cheapest, 19% more than the middle price of S$3,031.20.
- Ford Focus ST review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Alphard | S$2,552.30 | Sompo |
| Toyota Vellfire | S$2,552.30 | Sompo |
| Honda Odyssey | S$2,552.30 | Sompo |
| Toyota Camry | S$2,693.74 | Sompo |
| Mitsubishi Outlander | S$2,997.05 | Sompo |
| Chevrolet Captiva | S$3,022.89 | India International |
| Audi RS 3 Sedan | S$7,664.08 | AIG |
| Audi RS 3 Sportback | S$7,664.08 | AIG |
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 ST for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Ford Focus ST insurance for a 27-year-old new driver?
From S$3,593.85 a year today at Sompo, up to S$9,423.12 at Etiqa, across the 6 insurers that quote this driver online. That is for a driver aged 27, single, driving 1 year, no no-claim discount, on a 3-year-old Ford Focus ST 2.5, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3.6 times the S$1,000.28 a 40-year-old with a 50% NCD and no claims pays for the same Ford Focus ST.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$2,797.95, S$795.90 less than today's S$3,593.85. 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 27-year-old new driver for a Ford Focus ST online?
AIG (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'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); MS First Capital (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).
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.