Typical car insurance quotes
MG 4 insurance for a driver after a claim
Every insurer's price today for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old MG 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 MG 4 driven by a driver after a claim is S$1,976.02 a year (GST included) at AIG, AIG Car Insurance Collision Only; 3 insurers quote this driver online, up to S$3,169.57 at Etiqa.
- 3 insurers quote this driver online; 11 do not.
- That is 99% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$995.37).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$1,976.02 | S$600.00 |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop) | S$2,435.52 | S$900.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$3,169.57 | S$2,500.00 |
No online price for this driver: Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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 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).
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$2,435.52 | +S$459.50 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,713.61 | −S$262.41 |
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 99% more than what the same driver with no claims and a 50% NCD pays (S$995.37).
- The MG 4 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 11 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); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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 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 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
The MG 4
- Priced as a MG 4 (electric), registered 3 years ago.
- A fully electric MG 4 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more powerful.
- For a driver after a claim, the MG 4 is the 539th cheapest of 588 car models to insure. Among 18 electric cars it is 13th cheapest, 18% more than the middle price of S$1,675.61.
- MG 4 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BYD Dolphin | S$1,325.60 | AIG |
| BYD Atto 3 | S$1,330.06 | AIG |
| BYD M6 | S$1,346.08 | AIG |
| Hyundai Ioniq 5 | S$1,441.15 | Etiqa |
| BYD Seal | S$1,450.43 | AIG |
| Tesla Model 3 | S$1,918.38 | Etiqa |
| Tesla Model Y | S$1,932.57 | AIG |
| Kia EV6 | S$2,389.14 | AIG |
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 MG 4 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is MG 4 insurance for a driver after a claim?
From S$1,976.02 a year today at AIG, up to S$3,169.57 at Etiqa, across the 3 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old MG 4, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 99% more than the S$995.37 a 40-year-old with a 50% NCD and no claims pays for the same MG 4.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG has been cheapest throughout.
Which insurers do not quote a driver after a claim for a MG 4 online?
Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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 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).
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.