Typical car insurance quotes
MINI One insurance for a 55-year-old with a 50% NCD
Every insurer's price today for a driver aged 55, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old MINI One, 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 MINI One driven by a 55-year-old with a 50% NCD is S$787.96 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$1,941.79 at Liberty.
- 14 insurers quote this driver online.
- That is 2% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$771.06).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$787.96 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$827.88 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$878.97 | S$2,000.00 |
| AIGAIG Car Insurance Collision Only | S$956.68 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,003.14 | S$2,500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,066.59 | S$600.00 |
| ECICSComprehensive | S$1,096.80 | S$750.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,105.06 | S$600.00 |
| MS First CapitalComprehensive | S$1,107.34 | S$500.00 |
| ERGOSMART Comprehensive | S$1,143.75 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,143.91 | S$500.00 |
| SinglifeMotor Lite | S$1,144.07 | S$3,000.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,387.13 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,941.79 | S$600.00 |
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$875.52 | +S$87.56 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$614.35 | −S$173.61 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$866.76 | +S$78.80 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the MINI One has a 1,598cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The MINI One
- Priced as a MINI One (1,598cc), registered 3 years ago.
- With a 1,598cc engine, the MINI One 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$741.72 a year for a 1,598cc engine, before any surcharge for a car over 10 years old.
- For a 55-year-old with a 50% NCD, the MINI One is the 286th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 234th cheapest, 18% more than the middle price of S$666.79.
- MINI One review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$604.07 | India International |
| Toyota Corolla Altis | S$642.42 | India International |
| Honda Freed | S$642.42 | India International |
| Hyundai Kona | S$721.59 | India International |
| Mazda 3 | S$783.97 | HL Assurance |
| BMW X1 | S$811.71 | India International |
| Mercedes-Benz C-Class | S$811.71 | India International |
| Honda Vezel | S$858.18 | Allianz |
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 MINI One for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is MINI One insurance for a 55-year-old with a 50% NCD?
From S$787.96 a year today at India International, up to S$1,941.79 at Liberty, across the 14 insurers that quote this driver online. That is for a driver aged 55, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old MINI One, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2% more than the S$771.06 a 40-year-old with a 50% NCD and no claims pays for the same MINI One.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
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.