Typical car insurance quotes
Ford Focus ST insurance for a 65-year-old after a claim
Every insurer's price today for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, 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 65-year-old after a claim is S$2,019.31 a year (GST included) at Singlife, Motor Lite; 6 insurers quote this driver online, up to S$4,270.09 at Etiqa.
- 6 insurers quote this driver online; 8 do not.
- That is 2.0 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 |
|---|---|---|
| SinglifeMotor Lite | S$2,019.31 | S$3,000.00 |
| ERGOSMART Comprehensive | S$2,235.30 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$2,428.62 | S$600.00 |
| UOIUniCar Comprehensive Value | S$2,725.85 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,746.29 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$4,270.09 | S$2,500.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years).
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, 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$2,321.07 | +S$301.76 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,673.48 | −S$345.83 |
Why this driver pays this
- An at-fault claim in the last three years cut the no-claim discount to 20%, and many insurers add a claims loading as well, for three years. On this car the lowest price is 81% more than what the same driver with no claims and a 50% NCD pays (S$1,115.67).
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.
- 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); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Singlife 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 65-year-old after a claim, the Ford Focus ST is the 506th cheapest of 588 car models to insure. Among 95 cars above 2,000cc it is 64th cheapest, 11% more than the middle price of S$1,825.35.
- Ford Focus ST review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Alphard | S$1,493.23 | India International |
| Toyota Vellfire | S$1,493.23 | India International |
| Chevrolet Captiva | S$1,493.23 | India International |
| Toyota Camry | S$1,642.56 | India International |
| Honda Odyssey | S$1,644.08 | Liberty |
| Mitsubishi Outlander | S$1,746.56 | India International |
| Audi RS 3 Sedan | S$2,636.44 | Great Eastern |
| Audi RS 3 Sportback | S$2,636.44 | 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, 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 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 65-year-old after a claim?
From S$2,019.31 a year today at Singlife, up to S$4,270.09 at Etiqa, across the 6 insurers that quote this driver online. That is for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, 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 2.0 times 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 Singlife has been cheapest throughout.
Which insurers do not quote a 65-year-old after a claim for a Ford Focus ST online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years).
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.