Typical car insurance quotes
Nissan Serena 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 Nissan Serena 2.0, 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 Nissan Serena driven by a driver with demerit points is S$759.57 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 12 insurers quote this driver online, up to S$1,642.01 at UOI.
- 12 insurers quote this driver online; 2 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$759.57 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$814.52 | S$1,200.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$893.76 | S$600.00 |
| ECICSComprehensive | S$939.94 | S$750.00 |
| MS First CapitalComprehensive | S$983.85 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,017.65 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,026.32 | S$600.00 |
| ERGOSMART Comprehensive | S$1,050.42 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,055.19 | S$2,500.00 |
| SinglifeMotor Lite | S$1,266.26 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,383.22 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,642.01 | S$500.00 |
No online price for this driver: Allianz (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter.
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$843.97 | +S$84.40 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$591.13 | −S$168.44 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$835.53 | +S$75.96 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others.
- The car matters too: insurers group models by value, repair costs and claims; the Nissan Serena has a 2,000cc engine.
- 2 insurers do not quote this driver online on this car: Allianz (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Nissan Serena
- Priced as a Nissan Serena 2.0 (2,000cc), registered 3 years ago.
- With a 2,000cc engine, above 1,600cc, the Nissan Serena 2.0 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,212.10 a year for a 2,000cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Nissan Serena is the 230th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 4th cheapest, 15% less than the middle price of S$889.31.
- Nissan Serena review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$763.41 | HL Assurance |
| Toyota Harrier | S$782.00 | India International |
| Mercedes-Benz E-Class | S$906.36 | India International |
| BMW 5 Series | S$906.36 | India International |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| BMW 3 Series | S$1,000.41 | HL Assurance |
| Lexus RX | S$1,022.32 | HL Assurance |
| Lexus NX | S$1,023.58 | Etiqa |
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. The figures for every driver on this car are in a CSV file, updated daily.
The Nissan Serena for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Nissan Serena insurance for a driver with demerit points?
From S$759.57 a year today at India International, up to S$1,642.01 at UOI, across the 12 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 Nissan Serena 2.0, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Nissan Serena online?
Allianz (This insurer has no online price for this car model yet); QBE (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.