MG 4 Urban insurance for a 65-year-old after a claim

In short

On 12 Nov 2026, the cheapest comprehensive car insurance for a MG 4 Urban driven by a 65-year-old after a claim is S$2,441.43 a year (GST included) at AIG, AIG Car Insurance Collision Only; 2 insurers quote this driver online, up to S$2,645.58 at Great Eastern.

Compare every insurer we price for a MG 4 Urban on one page: https://shentonbrokers.com/prices/car/mg-4-urban

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/mg-4-urban/age-65-after-a-claim

Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

• 2 insurers quote this driver online; 14 do not.
• That is 3.1 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$797.84).

Why this driver pays this

• An at-fault claim in the last three years cut the no-claim discount to 20%, and many insurers add a claims loading as well, for three years. On this car the lowest price is 2.7 times what the same driver with no claims and a 50% NCD pays (S$889.87).
• From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.
• The MG 4 Urban is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
• 14 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (This insurer has no online price for this car model yet); 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); Great American (This insurer has no online price for electric cars); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); 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 repairs at any workshop).

Price history

Since 2 Nov 2026 the lowest price is unchanged, and the cheapest insurer has changed once.

The MG 4 Urban

• Priced as a MG 4 Urban Luxury 54 kWh (electric), registered 3 years ago.
• A fully electric MG 4 Urban needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
• For a 65-year-old after a claim, the MG 4 Urban is the 749th cheapest of 921 car models to insure. Among 121 electric cars it is 63rd cheapest, 4% more than the middle price of S$2,344.72.
• MG 4 Urban review: list price, COE, road tax and insurance.

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, FWD, Income, MSIG 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.