Typical car insurance quotes
Lexus LM insurance for a 70-year-old with a 50% NCD
Every insurer's price today for a driver aged 70, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Lexus LM 2.5 Luxury 350h, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Lexus LM driven by a 70-year-old with a 50% NCD is S$1,097.41 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 3 insurers quote this driver online, up to S$1,427.04 at Sompo.
Compare every insurer we price for a Lexus LM on one page: https://shentonbrokers.com/prices/car/lexus-lm
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/lexus-lm/age-70-50-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.
- 3 insurers quote this driver online; 13 do not.
- That is 6% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,031.85).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Motor Protect ComprehensiveBuy Now | S$1,097.41 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| ERGOSMART ComprehensiveBuy Now | S$1,381.36 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,427.04 | S$600.00 | Authorised workshops | Yes | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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); 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); Singlife (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$1,188.07 | +S$90.66 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,031.60 | −S$65.81 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,278.55 | +S$181.14 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 6% more than what a 40-year-old with the same 50% NCD pays (S$1,031.85).
- The car matters too: insurers group models by value, repair costs and claims; the Lexus LM has a 2,487cc engine.
- 13 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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); 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); Singlife (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 down S$283.95 (21%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,097.41 | Allianz |
| A week ago 5 Nov 2026 | S$1,097.41 | Allianz (estimate) |
The Lexus LM
- Priced as a Lexus LM 2.5 Luxury 350h (2,487cc), registered 3 years ago.
- With a 2,487cc engine, above 1,600cc, the Lexus LM 2.5 Luxury 350h needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$1,783.36 a year for a 2,487cc engine, before any surcharge for a car over 10 years old.
- For a 70-year-old with a 50% NCD, the Lexus LM is the 712th cheapest of 964 car models to insure. Among 182 cars above 2,000cc it is 70th cheapest, 5% less than the middle price of S$1,159.93.
- Lexus LM review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Odyssey | S$821.26 | Allianz |
| Toyota Camry | S$848.75 | Allianz |
| Toyota Vellfire | S$948.16 | ECICS |
| Toyota Alphard | S$976.68 | Sompo |
| Mitsubishi Outlander | S$979.77 | ECICS |
| Alfa Romeo 159 | S$1,045.78 | Allianz |
| Audi RS 3 Sedan | S$2,854.11 | Allianz |
| Audi RS 3 Sportback | S$2,854.11 | 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, 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 Lexus LM 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.
- Allianz, Allianz Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/motor-comprehensive?brand=lexus&model=lexus-lm-2-5-luxury-350h&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1956-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=lexus&model=lexus-lm-2-5-luxury-350h&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1956-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
Questions people ask
How much is Lexus LM insurance for a 70-year-old with a 50% NCD?
From S$1,097.41 a year today at Allianz, up to S$1,427.04 at Sompo, across the 3 insurers that quote this driver online. That is for a driver aged 70, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Lexus LM 2.5 Luxury 350h, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 6% more than the S$1,031.85 a 40-year-old with a 50% NCD and no claims pays for the same Lexus LM.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$283.95 (21%), and the cheapest insurer has changed 2 times.
Which insurers do not quote a 70-year-old with a 50% NCD for a Lexus LM online?
AIG (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for main drivers aged up to 69); 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); 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); Singlife (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.