Typical car insurance quotes
Lexus RX300 insurance for a driver with two claims
Every insurer's price today for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old Lexus RX300 (2WD), 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 RX300 driven by a driver with two claims is S$3,266.15 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); 3 insurers quote this driver online, up to S$4,806.17 at Liberty.
- 3 insurers quote this driver online; 11 do not.
- That is 3.4 times 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$3,266.15 | S$2,500.00 |
| ECICSComprehensive | S$3,852.51 | S$750.00 |
| LibertyComprehensive Preferred Plan | S$4,806.17 | S$600.00 |
No online price for this driver: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).
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$4,033.45 | +S$767.30 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,834.80 | −S$431.35 |
Why this driver pays this
- 2 at-fault claims in the last three years took the whole no-claim discount away, and many insurers add a claims loading as well, for three years. On this car the lowest price is 3.4 times what the same driver with no claims and a 50% NCD pays (S$972.39).
- The car matters too: insurers group models by value, repair costs and claims; the Lexus RX300 has a 1,998cc engine.
- 11 insurers do not quote this driver online on this car: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
The Lexus RX300
- Priced as a Lexus RX300 (2WD) (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the Lexus RX300 (2WD) 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 driver with two claims, the Lexus RX300 is the 428th cheapest of 557 car models to insure. Among 159 cars of 1,601cc to 2,000cc it is 102nd cheapest, 5% more than the middle price of S$3,109.01.
- Lexus RX300 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mazda CX-5 | S$2,685.74 | India International |
| Toyota Harrier | S$2,766.49 | India International |
| Toyota Voxy | S$2,901.98 | Liberty |
| Mercedes-Benz GLC | S$2,919.11 | Singlife |
| Mercedes-Benz E-Class | S$2,951.63 | Singlife |
| BMW X3 | S$3,019.43 | Singlife |
| BMW 5 Series | S$3,146.22 | ECICS |
| BMW 3 Series | S$3,204.07 | Singlife |
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 RX300 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Lexus RX300 insurance for a driver with two claims?
From S$3,266.15 a year today at Etiqa, up to S$4,806.17 at Liberty, across the 3 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old Lexus RX300 (2WD), private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3.4 times the S$972.39 a 40-year-old with a 50% NCD and no claims pays for the same Lexus RX300.
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 driver with two claims for a Lexus RX300 online?
AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer's online price is for drivers with up to one claim in the last 3 years); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); India International (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer's online price is for drivers with up to one claim in the last 3 years).
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.