Typical car insurance quotes
Nissan X-Trail insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Nissan X-Trail 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 X-Trail driven by a 40-year-old who works outdoors is S$739.10 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 14 insurers quote this driver online, up to S$1,562.65 at UOI.
- 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$721.59).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$739.10 | S$2,000.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$836.07 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$904.13 | S$1,200.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,014.67 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,040.31 | S$2,500.00 |
| MS First CapitalComprehensive | S$1,140.53 | S$500.00 |
| ECICSComprehensive | S$1,152.17 | S$750.00 |
| SinglifeMotor Lite | S$1,152.56 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,263.04 | S$600.00 |
| ERGOSMART Comprehensive | S$1,365.18 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,369.97 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,383.22 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,562.65 | S$500.00 |
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$872.13 | +S$133.03 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$651.56 | −S$87.54 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$836.88 | +S$97.78 |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 2% more than what the same driver with an office job pays (S$721.59).
- The car matters too: insurers group models by value, repair costs and claims; the Nissan X-Trail has a 1,997cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Nissan X-Trail
- Priced as a Nissan X-Trail 2.0 (1,997cc), registered 3 years ago.
- With a 1,997cc engine, above 1,600cc, the Nissan X-Trail 2.0 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,208.58 a year for a 1,997cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the Nissan X-Trail is the 159th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 2nd cheapest, 18% less than the middle price of S$903.78.
- Nissan X-Trail review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$847.39 | HL Assurance |
| Toyota Harrier | S$861.03 | India International |
| Mercedes-Benz E-Class | S$886.98 | Sompo |
| Mercedes-Benz GLC | S$970.13 | Sompo |
| BMW 5 Series | S$990.47 | ECICS |
| Lexus NX | S$1,021.20 | Sompo |
| BMW 3 Series | S$1,060.57 | AIG |
| Lexus RX | S$1,094.77 | 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 Nissan X-Trail for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Nissan X-Trail insurance for a 40-year-old who works outdoors?
From S$739.10 a year today at Allianz, up to S$1,562.65 at UOI, across the 14 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Nissan X-Trail 2.0, 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$721.59 a 40-year-old with a 50% NCD and no claims pays for the same Nissan X-Trail.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz 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.