Typical car insurance quotes
Mercedes-Benz ML400 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 Mercedes-Benz ML400 4MATIC (R19 BI), 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 Mercedes-Benz ML400 driven by a driver with a Certificate of Merit is S$962.79 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 9 insurers quote this driver online, up to S$1,952.21 at HL Assurance.
- 9 insurers quote this driver online; 5 do not.
- That is 1% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$968.57).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$962.79 | S$2,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,034.64 | S$2,500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,046.37 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,073.03 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,185.70 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,322.22 | S$500.00 |
| SinglifeMotor Lite | S$1,359.59 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,398.61 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,952.21 | S$1,200.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (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$1,136.10 | +S$173.31 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$756.42 | −S$206.37 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,090.17 | +S$127.38 |
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$962.79).
- The car matters too: insurers group models by value, repair costs and claims; the Mercedes-Benz ML400 has a 2,996cc engine.
- 5 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (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 Allianz has been cheapest throughout.
The Mercedes-Benz ML400
- Priced as a Mercedes-Benz ML400 4MATIC (R19 BI) (2,996cc), registered 3 years ago.
- With a 2,996cc engine, above 1,600cc, the Mercedes-Benz ML400 4MATIC (R19 BI) needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$2,380.40 a year for a 2,996cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the Mercedes-Benz ML400 is the 514th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 54th cheapest, 3% more than the middle price of S$939.08.
- Mercedes-Benz ML400 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BMW 730i | S$982.71 | AIG |
| BMW 7 Series | S$993.06 | AIG |
| BMW 730d | S$1,059.50 | HL Assurance |
| Audi Q7 | S$1,148.87 | HL Assurance |
| Audi S4 Saloon | S$1,148.87 | HL Assurance |
| Audi S5 | S$1,148.87 | HL Assurance |
| Audi S5 SPRTback | S$1,148.87 | HL Assurance |
| Audi SQ5 | S$1,210.01 | MS First Capital |
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 Mercedes-Benz ML400 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Mercedes-Benz ML400 insurance for a driver with a Certificate of Merit?
From S$962.79 a year today at Allianz, up to S$1,952.21 at HL Assurance, 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 Mercedes-Benz ML400 4MATIC (R19 BI), private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 1% less than the S$968.57 a 40-year-old with a 50% NCD and no claims pays for the same Mercedes-Benz ML400.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
Which insurers do not quote a driver with a Certificate of Merit for a Mercedes-Benz ML400 online?
ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer has no online price for this car model yet); India International (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.