Typical car insurance quotes
Honda N-Box L insurance for a 45-year-old with a 50% NCD
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, on a 3-year-old Honda N-Box L Auto, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Honda N-Box L driven by a 45-year-old with a 50% NCD is S$654.92 a year (GST included) at ERGO, SMART Comprehensive; 7 insurers quote this driver online, up to S$1,292.22 at Singlife.
Compare every insurer we price for a Honda N-Box L on one page: https://shentonbrokers.com/prices/car/honda-n-box-l
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/honda-n-box-l/age-45-50-ncd
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
- 7 insurers quote this driver online; 9 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$654.92).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| ERGOSMART ComprehensiveBuy Now | S$654.92 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$671.36 | S$600.00 | Authorised workshops | Optional add-on | Not included |
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$718.77 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$774.43 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$786.76 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$817.28 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| SinglifeMotor LiteBuy Now | S$1,292.22 | S$300.00 | Authorised workshops | Yes, S$100 excess | Not included |
No online price for this driver: Allianz (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (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 has no online price for this car model yet); UOI (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, 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$765.81 | +S$110.89 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$559.82 | −S$95.10 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$654.92 | the same |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Honda N-Box L has a 658cc engine.
- 9 insurers do not quote this driver online on this car: Allianz (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (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 has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$654.92 | ERGO |
| A week ago 5 Nov 2026 | S$654.92 | ERGO |
The Honda N-Box L
- Priced as a Honda N-Box L Auto (658cc), registered 3 years ago.
- With a 658cc engine, the Honda N-Box L Auto needs a Category A COE (S$139,001 in the November 2026, 1st round) if its power is 97kW (130bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more.
- Road tax: about S$324.14 a year for a 658cc engine, before any surcharge for a car over 10 years old.
- For a 45-year-old with a 50% NCD, the Honda N-Box L is the 127th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 91st cheapest, 9% less than the middle price of S$716.81.
- Honda N-Box L review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Suzuki Alto | S$561.09 | MS First Capital |
| Mitsubishi i | S$613.11 | MS First Capital |
| Perodua Kancil | S$637.65 | HL Assurance |
| Suzuki Hustler | S$657.42 | ERGO |
| Subaru R1 i | S$669.95 | MS First Capital |
| Subaru R2 I | S$669.95 | MS First Capital |
| Suzuki Lapin | S$703.69 | Etiqa |
| Suzuki Kei | S$725.02 | HL Assurance |
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, 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 Honda N-Box L for every driver · Other cars for this driver · Compare with your own details.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=honda&model=honda-n-box-l-auto&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
Questions people ask
How much is Honda N-Box L insurance for a 45-year-old with a 50% NCD?
From S$654.92 a year today at ERGO, up to S$1,292.22 at Singlife, across the 7 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, on a 3-year-old Honda N-Box L Auto, 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$654.92 a 40-year-old with a 50% NCD and no claims pays for the same Honda N-Box L.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and ERGO has been cheapest throughout.
Which insurers do not quote a 45-year-old with a 50% NCD for a Honda N-Box L online?
Allianz (This insurer has no online price for this car model yet); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Liberty (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 has no online price for this car model yet); UOI (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.