Typical car insurance quotes
Lexus RX 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 Lexus RX 200 T, 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 Lexus RX driven by a 45-year-old with a 50% NCD is S$939.85 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); 13 insurers quote this driver online, up to S$1,532.81 at MS First Capital.
- 13 insurers quote this driver online; 1 do not.
- That is 3% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$972.39).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$939.85 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,022.33 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$1,046.47 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,076.93 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,101.45 | S$600.00 |
| ECICSComprehensive | S$1,152.17 | S$750.00 |
| UOIUniCar Comprehensive Value | S$1,172.67 | S$500.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,202.65 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,221.25 | S$2,000.00 |
| SinglifeMotor Lite | S$1,236.14 | S$3,000.00 |
| ERGOSMART Comprehensive | S$1,243.33 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,428.34 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,532.81 | S$500.00 |
No online price for this driver: Liberty (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$1,137.68 | +S$197.83 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$756.44 | −S$183.41 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,124.56 | +S$184.71 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Lexus RX has a 1,998cc engine.
- 1 insurer does not quote this driver online on this car: Liberty (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
The Lexus RX
- Priced as a Lexus RX 200 T (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the Lexus RX 200 T needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,209.76 a year for a 1,998cc engine, before any surcharge for a car over 10 years old.
- For a 45-year-old with a 50% NCD, the Lexus RX is the 497th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 130th cheapest, 9% more than the middle price of S$858.82.
- Lexus RX review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$721.59 | India International |
| Toyota Harrier | S$742.90 | India International |
| Toyota Voxy | S$763.41 | HL Assurance |
| BMW X3 | S$824.73 | AIG |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| BMW 5 Series | S$861.03 | India International |
| Mercedes-Benz GLC | S$894.66 | Etiqa |
| BMW 3 Series | S$972.72 | AIG |
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 Lexus RX for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Lexus RX insurance for a 45-year-old with a 50% NCD?
From S$939.85 a year today at Etiqa, up to S$1,532.81 at MS First Capital, across the 13 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 Lexus RX 200 T, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3% less than the S$972.39 a 40-year-old with a 50% NCD and no claims pays for the same Lexus RX.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
Which insurers do not quote a 45-year-old with a 50% NCD for a Lexus RX online?
Liberty (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.