Typical car insurance quotes
Nissan X-Trail insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, 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 driver with a Certificate of Merit is S$721.59 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$1,451.18 at UOI.
- 14 insurers quote this driver online.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$721.59 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$734.69 | S$2,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$773.80 | S$1,200.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$875.71 | S$2,500.00 |
| MS First CapitalComprehensive | S$983.85 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,014.67 | S$600.00 |
| SinglifeMotor Lite | S$1,136.54 | S$3,000.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,149.41 | S$3,000.00 |
| ECICSComprehensive | S$1,152.17 | S$750.00 |
| AIGAIG Car Insurance Collision Only | S$1,215.52 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,233.57 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,252.52 | S$600.00 |
| ERGOSMART Comprehensive | S$1,365.18 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,451.18 | S$500.00 |
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$801.77 | +S$80.18 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$561.57 | −S$160.02 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$793.75 | +S$72.16 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers.
- 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 India International 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 driver with a Certificate of Merit, the Nissan X-Trail is the 233rd cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 4th cheapest, 14% less than the middle price of S$842.72.
- Nissan X-Trail review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$725.24 | HL Assurance |
| Toyota Harrier | S$742.90 | India International |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| BMW 5 Series | S$861.03 | India International |
| Mercedes-Benz GLC | S$886.76 | HL Assurance |
| Lexus NX | S$939.85 | Etiqa |
| Lexus RX | S$939.85 | Etiqa |
| BMW 3 Series | S$950.38 | HL Assurance |
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 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 driver with a Certificate of Merit?
From S$721.59 a year today at India International, up to S$1,451.18 at UOI, across the 14 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Nissan X-Trail 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.
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.