Typical car insurance quotes
Nissan X-Trail insurance for a 78-year-old with a 50% NCD
Every insurer's price today for a driver aged 78, married, driving more than 20 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 78-year-old with a 50% NCD is S$1,200.98 a year (GST included) at Singlife, Motor Lite; 4 insurers quote this driver online, up to S$2,030.74 at ERGO.
- 4 insurers quote this driver online; 10 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SinglifeMotor Lite | S$1,200.98 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,290.09 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,863.77 | S$600.00 |
| ERGOSMART Comprehensive | S$2,030.74 | S$500.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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$1,290.09 | +S$89.11 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$931.99 | −S$268.99 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,333.09 | +S$132.11 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.
- The car matters too: insurers group models by value, repair costs and claims; the Nissan X-Trail has a 1,997cc engine.
- 10 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Singlife 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 78-year-old with a 50% NCD, the Nissan X-Trail is the 271st cheapest of 578 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 39th cheapest, 10% less than the middle price of S$1,328.80.
- Nissan X-Trail review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$1,180.62 | MS First Capital |
| Mercedes-Benz GLC | S$1,190.99 | Singlife |
| Mercedes-Benz E-Class | S$1,197.78 | Singlife |
| Toyota Harrier | S$1,261.59 | Singlife |
| BMW 5 Series | S$1,292.86 | Singlife |
| BMW 3 Series | S$1,292.86 | Singlife |
| Lexus NX | S$1,328.48 | Singlife |
| Lexus RX | S$1,328.48 | Singlife |
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 78-year-old with a 50% NCD?
From S$1,200.98 a year today at Singlife, up to S$2,030.74 at ERGO, across the 4 insurers that quote this driver online. That is for a driver aged 78, married, driving more than 20 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.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Singlife has been cheapest throughout.
Which insurers do not quote a 78-year-old with a 50% NCD for a Nissan X-Trail online?
Allianz (This insurer's online price is for main drivers aged up to 75); ECICS (ECICS quotes main drivers aged 26 to 70 online); Etiqa (This insurer's online price is for main drivers aged up to 75 when cover starts); Great Eastern (This insurer's online price is for main drivers aged up to 69); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer's online price is for main drivers aged up to 74); Liberty (This insurer's online price is for main drivers aged up to 75); QBE (This insurer's online price is for main drivers aged up to 70); Sompo (This insurer's online price is for main drivers aged up to 70); UOI (This insurer's online price is for main drivers aged up to 70).
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.