Typical car insurance quotes
Mazda 323 insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Mazda 323 1.4, 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 Mazda 323 driven by a driver with demerit points is S$726.66 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 7 insurers quote this driver online, up to S$1,845.85 at QBE.
- 7 insurers quote this driver online; 7 do not.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$726.66).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$726.66 | S$1,200.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$873.40 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$874.10 | S$600.00 |
| MS First CapitalComprehensive | S$927.36 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,119.78 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,294.41 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,845.85 | S$3,000.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Singlife (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$854.90 | +S$128.24 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$631.88 | −S$94.78 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$799.33 | +S$72.67 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$726.66).
- The car matters too: insurers group models by value, repair costs and claims; the Mazda 323 has a 1,415cc engine.
- 7 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The Mazda 323
- Priced as a Mazda 323 1.4 (1,415cc), registered 3 years ago.
- With a 1,415cc engine, the Mazda 323 1.4 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$634.40 a year for a 1,415cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Mazda 323 is the 192nd cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 192nd cheapest, 5% more than the middle price of S$692.61.
- Mazda 323 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$635.86 | India International |
| Toyota Corolla Altis | S$676.24 | India International |
| Honda Freed | S$676.24 | India International |
| Mercedes-Benz GLB | S$708.02 | Allianz |
| Hyundai Kona | S$759.57 | India International |
| Mercedes-Benz C-Class | S$789.40 | Etiqa |
| BMW X1 | S$797.41 | ECICS |
| Honda Vezel | S$797.41 | ECICS |
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 Mazda 323 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Mazda 323 insurance for a driver with demerit points?
From S$726.66 a year today at HL Assurance, up to S$1,845.85 at QBE, across the 7 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Mazda 323 1.4, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$726.66 a 40-year-old with a 50% NCD and no claims pays for the same Mazda 323.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Mazda 323 online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); Singlife (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.