Typical car insurance quotes
Kia Cerato insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Kia CERATO 1.6(A) EX, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 29 Oct 2026, GST included.
In short
On 29 Oct 2026, the cheapest comprehensive car insurance for a Kia Cerato driven by a 40-year-old who works outdoors is S$757.40 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 14 insurers quote this driver online, up to S$2,018.90 at QBE.
- 14 insurers quote this driver online.
- That is 15% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$660.69).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$757.40 | S$2,000.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$764.82 | S$600.00 |
| ECICSComprehensive | S$791.42 | S$750.00 |
| HL AssuranceCar Protect360 Comprehensive | S$845.46 | S$1,200.00 |
| ERGOSMART Comprehensive | S$861.35 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$867.77 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$939.23 | S$2,500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$954.93 | S$600.00 |
| SinglifeMotor Lite | S$967.23 | S$3,000.00 |
| AIGAIG Car Insurance Collision Only | S$1,020.05 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,062.67 | S$600.00 |
| MS First CapitalComprehensive | S$1,075.06 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,106.71 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,018.90 | S$3,000.00 |
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$849.81 | +S$92.41 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$596.08 | −S$161.32 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$791.42 | +S$34.02 |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 15% more than what the same driver with an office job pays (S$660.69).
- The car matters too: insurers group models by value, repair costs and claims; the Kia Cerato has a 1,591cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Kia Cerato
- Priced as a Kia CERATO 1.6(A) EX (1,591cc), registered 3 years ago.
- With a 1,591cc engine, the Kia CERATO 1.6(A) EX needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$737.62 a year for a 1,591cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the Kia Cerato is the 185th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 181st cheapest, 3% more than the middle price of S$738.45.
- Kia Cerato review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$700.28 | India International |
| Toyota Corolla Altis | S$738.45 | AIG |
| Honda Freed | S$742.90 | India International |
| Honda Vezel | S$774.41 | Allianz |
| BMW X1 | S$797.41 | ECICS |
| Mazda 3 | S$810.49 | HL Assurance |
| Mercedes-Benz C-Class | S$822.60 | ECICS |
| Hyundai Kona | S$836.07 | India International |
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 Kia Cerato for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Kia Cerato insurance for a 40-year-old who works outdoors?
From S$757.40 a year today at Allianz, up to S$2,018.90 at QBE, across the 14 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Kia CERATO 1.6(A) EX, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 15% more than the S$660.69 a 40-year-old with a 50% NCD and no claims pays for the same Kia Cerato.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
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.