Typical car insurance quotes
Ford Focus ST insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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 driver with a Certificate of Merit is S$971.21 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 10 insurers quote this driver online, up to S$2,562.20 at Etiqa.
- 10 insurers quote this driver online; 4 do not.
- That is 3% less than 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 |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$971.21 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$994.32 | S$2,000.00 |
| ERGOSMART Comprehensive | S$1,104.32 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,192.00 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,258.46 | S$600.00 |
| SinglifeMotor Lite | S$1,338.91 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,340.84 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,488.18 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,514.83 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,562.20 | 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$1,142.60 | +S$171.39 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$768.93 | −S$202.28 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,068.33 | +S$97.12 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is 2% less than what the same driver without one pays (S$994.32).
- 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 HL Assurance 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 driver with a Certificate of Merit, the Ford Focus ST is the 520th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 58th cheapest, 3% more than the middle price of S$939.08.
- Ford Focus ST review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Vellfire | S$764.62 | AIG |
| Toyota Alphard | S$764.82 | India International |
| Chevrolet Captiva | S$764.82 | India International |
| Honda Odyssey | S$811.71 | India International |
| Toyota Camry | S$828.77 | HL Assurance |
| Mitsubishi Outlander | S$861.03 | India International |
| Audi RS 3 Sedan | S$1,287.20 | Great Eastern |
| Audi RS 3 Sportback | S$1,287.20 | 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 driver with a Certificate of Merit?
From S$971.21 a year today at HL Assurance, up to S$2,562.20 at Etiqa, across the 10 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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% less than the S$1,000.28 a 40-year-old with a 50% NCD and no claims pays for the same Ford Focus ST.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with a Certificate of Merit 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.