Typical car insurance quotes
Ford Focus ST insurance for a 28-year-old with a 10% NCD
Every insurer's price today for a driver aged 28, single, driving 2 years, a 10% 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 28-year-old with a 10% NCD is S$2,755.28 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 10 insurers quote this driver online, up to S$7,760.72 at Etiqa.
- 10 insurers quote this driver online; 4 do not.
- That is 2.8 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 |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$2,755.28 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,860.60 | S$600.00 |
| SinglifeMotor Lite | S$3,190.03 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$3,328.08 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$3,344.77 | S$3,000.00 |
| ERGOSMART Comprehensive | S$3,541.81 | S$500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$3,591.63 | S$1,200.00 |
| LibertyComprehensive Preferred Plan | S$4,009.43 | S$600.00 |
| UOIUniCar Comprehensive Value | S$5,495.77 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$7,760.72 | S$2,500.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); 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).
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$3,251.23 | +S$495.95 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,067.84 | −S$687.44 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$2,449.15 | −S$306.13 |
Why this driver pays this
- The no-claim discount comes off the premium: 10% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.8 times what a 40-year-old with a 50% NCD pays (S$1,000.28).
- The car matters too: insurers group models by value, repair costs and claims; the Ford Focus ST has a 2,522cc engine.
- 4 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); 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).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz 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 28-year-old with a 10% NCD, the Ford Focus ST is the 540th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 73rd cheapest, 14% more than the middle price of S$2,412.75.
- Ford Focus ST review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Alphard | S$2,031.56 | Sompo |
| Toyota Vellfire | S$2,031.56 | Sompo |
| Honda Odyssey | S$2,031.56 | Sompo |
| Toyota Camry | S$2,144.14 | Sompo |
| Mitsubishi Outlander | S$2,385.57 | Sompo |
| Chevrolet Captiva | S$2,473.99 | Sompo |
| Audi RS 3 Sedan | S$3,194.95 | Great Eastern |
| Audi RS 3 Sportback | S$3,194.95 | Great Eastern |
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 28-year-old with a 10% NCD?
From S$2,755.28 a year today at Allianz, up to S$7,760.72 at Etiqa, across the 10 insurers that quote this driver online. That is for a driver aged 28, single, driving 2 years, a 10% 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 2.8 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 20% NCD: the lowest price becomes S$2,449.15, S$306.13 less than today's S$2,755.28. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
Which insurers do not quote a 28-year-old with a 10% NCD for a Ford Focus ST online?
AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); 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).
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.