Typical car insurance quotes
Lexus RX350H insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Lexus RX350H, 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 RX350H driven by a driver with a Certificate of Merit is S$1,016.52 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); 9 insurers quote this driver online, up to S$1,433.81 at ECICS.
- 9 insurers quote this driver online; 5 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$1,052.12).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,016.52 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,139.31 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$1,151.98 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,156.51 | S$600.00 |
| ERGOSMART Comprehensive | S$1,243.33 | S$500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,279.64 | S$2,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,287.20 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,306.69 | S$3,000.00 |
| ECICSComprehensive | S$1,433.81 | S$750.00 |
No online price for this driver: 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); 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, 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$1,246.73 | +S$230.21 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$836.02 | −S$180.50 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,243.33 | +S$226.81 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is about the same as what the same driver without one pays (S$1,016.52).
- The car matters too: insurers group models by value, repair costs and claims; the Lexus RX350H has a 2,487cc engine.
- 5 insurers do not quote this driver online on this car: 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); 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 27 Oct 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
The Lexus RX350H
- Priced as a Lexus RX350H (2,487cc), registered 3 years ago.
- With a 2,487cc engine, above 1,600cc, the Lexus RX350H needs a Category B COE (S$131,901 in the October 2026, 2nd 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 driver with a Certificate of Merit, the Lexus RX350H is the 542nd cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 67th cheapest, 8% more than the middle price of S$939.08.
- Lexus RX350H review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Vellfire | S$764.62 | AIG |
| Toyota Alphard | S$764.82 | India International |
| Chevrolet Captiva | S$764.82 | India International |
| Honda Odyssey | S$811.71 | India International |
| Toyota Camry | S$828.77 | HL Assurance |
| Mitsubishi Outlander | S$861.03 | India International |
| Audi RS 3 Sedan | S$1,287.20 | Great Eastern |
| Audi RS 3 Sportback | S$1,287.20 | Great Eastern |
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 RX350H for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Lexus RX350H insurance for a driver with a Certificate of Merit?
From S$1,016.52 a year today at Etiqa, up to S$1,433.81 at ECICS, across the 9 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Lexus RX350H, 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$1,052.12 a 40-year-old with a 50% NCD and no claims pays for the same Lexus RX350H.
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 a Certificate of Merit for a Lexus RX350H 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); 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.