Kia car insurance
Kia RIO HTBK insurance quotes by driver
What the Kia RIO HTBK costs to insure today for 31 typical drivers, on a 3-year-old Kia RIO HTBK 1.4 (A), private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$604.07 a year.
- A 25-year-old new driver pays from S$2,497.51, 4.1 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,179.41, 95% more than the settled driver's price.
- Online prices here run from age 21 to 80; every driver here gets an online price.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,358.72 | S$5,333.73 | 5 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,896.30 | S$4,423.99 | 6 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,497.51 | S$3,853.19 | 7 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,100.98 | S$3,115.99 | 7 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$1,672.32 | S$2,390.11 | 12 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$1,811.74 | S$2,793.28 | 7 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest India International | S$1,179.41 | S$1,827.10 | 12 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$700.28 | S$1,055.89 | 12 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$700.28 | S$1,055.89 | 12 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest India International | S$845.70 | S$1,269.86 | 12 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$925.71 | 12 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$854.39 | 12 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest Allianz | S$587.66 | S$854.39 | 12 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,179.41 | S$1,618.57 | 7 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest Liberty | S$2,206.43 | S$2,249.86 | 3 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest Allianz | S$650.40 | S$891.78 | 12 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest India International | S$635.86 | S$854.39 | 12 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$1,438.22 | S$2,128.77 | 7 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$846.95 | 12 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest India International | S$604.07 | S$846.95 | 12 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$888.51 | 12 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$934.43 | 12 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$943.73 | 12 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$943.73 | 12 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$604.07 | S$975.54 | 11 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,179.41 | S$2,027.65 | 7 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$664.47 | S$1,022.88 | 10 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$664.47 | S$1,046.88 | 6 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest Allianz | S$746.98 | S$1,137.81 | 5 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,048.97 | S$1,434.20 | 3 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount; cheapest AIG | S$1,792.76 | S$1,792.76 | 1 |
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Every plan for the Kia RIO HTBK · This table as CSV · Compare with your own details.
Questions people ask
How much is Kia RIO HTBK insurance in Singapore?
From S$604.07 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old Kia RIO HTBK 1.4 (A), private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 31 drivers.
How much is Kia RIO HTBK insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$2,497.51 a year today at Sompo, 4.1 times the price for a settled driver with a 50% NCD. 7 insurers quote this driver online, against 12 for the settled driver.
How much more is Kia RIO HTBK insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,179.41, 95% more than the S$604.07 with no claims.
Does a new driver aged 40 pay less than a young new driver for a Kia RIO HTBK?
Yes, today: S$1,438.22 a year at 40 against S$2,497.51 at 25, both in their first year with no NCD.
Which insurer is cheapest for a Kia RIO HTBK?
India International is cheapest for 18 of the 31 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.