Typical car insurance quotes
Kia Niro insurance for a 40-year-old woman with a 50% NCD
Every insurer's price today for a driver aged 40, female, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Kia NIRO HYBRID 1.6 GDI DCT, 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 Kia Niro driven by a 40-year-old woman with a 50% NCD is S$634.96 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 13 insurers quote this driver online, up to S$1,917.95 at QBE.
- 13 insurers quote this driver online; 1 do not.
- That is 10% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$702.75).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$634.96 | S$2,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$723.60 | S$1,200.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$804.19 | S$600.00 |
| MS First CapitalComprehensive | S$874.13 | S$500.00 |
| ECICSComprehensive | S$923.32 | S$750.00 |
| SinglifeMotor Lite | S$933.27 | S$3,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$945.76 | S$2,500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$954.93 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,107.25 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,273.04 | S$600.00 |
| ERGOSMART Comprehensive | S$1,299.33 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,381.06 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,917.95 | S$3,000.00 |
No online price for this driver: India International (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$749.25 | +S$114.29 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$581.34 | −S$53.62 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$718.96 | +S$84.00 |
Why this driver pays this
- Some insurers charge women a little less than men of the same age and record. On this car the lowest price is 10% less than what the same driver as a man pays (S$702.75).
- The car matters too: insurers group models by value, repair costs and claims; the Kia Niro has a 1,580cc engine.
- 1 insurer does not quote this driver online on this car: India International (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 Kia Niro
- Priced as a Kia NIRO HYBRID 1.6 GDI DCT (1,580cc), registered 3 years ago.
- With a 1,580cc engine, the Kia NIRO HYBRID 1.6 GDI DCT 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$731.18 a year for a 1,580cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old woman with a 50% NCD, the Kia Niro is the 134th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 134th cheapest, 1% less than the middle price of S$642.42.
- Kia Niro review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$604.07 | India International |
| Toyota Corolla Altis | S$642.42 | India International |
| Honda Freed | S$642.42 | India International |
| Mazda 3 | S$693.67 | HL Assurance |
| Honda Vezel | S$699.70 | Allianz |
| Hyundai Kona | S$721.59 | India International |
| BMW X1 | S$764.61 | HL Assurance |
| Mercedes-Benz C-Class | S$765.67 | Allianz |
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 Kia Niro for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Kia Niro insurance for a 40-year-old woman with a 50% NCD?
From S$634.96 a year today at Allianz, up to S$1,917.95 at QBE, across the 13 insurers that quote this driver online. That is for a driver aged 40, female, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Kia NIRO HYBRID 1.6 GDI DCT, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 10% less than the S$702.75 a 40-year-old with a 50% NCD and no claims pays for the same Kia Niro.
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 40-year-old woman with a 50% NCD for a Kia Niro online?
India International (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.