Typical car insurance quotes
Opel Astra HB insurance for a 35-year-old with a 30% NCD
Every insurer's price today for a driver aged 35, married, driving 4 years, a 30% no-claim discount, on a 3-year-old Opel Astra HB, 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 Opel Astra HB driven by a 35-year-old with a 30% NCD is S$1,040.07 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 12 insurers quote this driver online, up to S$2,220.79 at QBE.
- 12 insurers quote this driver online; 2 do not.
- That is 40% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$742.90).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,040.07 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,187.46 | S$2,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,238.87 | S$2,500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,246.83 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,343.24 | S$1,200.00 |
| UOIUniCar Comprehensive Value | S$1,487.37 | S$500.00 |
| MS First CapitalComprehensive | S$1,550.28 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$1,593.60 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,600.03 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,651.40 | S$600.00 |
| ERGOSMART Comprehensive | S$1,666.17 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,220.79 | S$3,000.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); Singlife (This insurer has no online price for this car model yet).
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income, MSIG 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$1,155.63 | +S$115.56 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$810.83 | −S$229.24 |
| Add an NCD protectorKeeps the 30% NCD after one claim. | S$1,144.07 | +S$104.00 |
| Next year, with a 40% NCDAfter a year with no claim, at today's prices. | S$891.49 | −S$148.58 |
Why this driver pays this
- The no-claim discount comes off the premium: 30% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 40% more than what a 40-year-old with a 50% NCD pays (S$742.90).
- The car matters too: insurers group models by value, repair costs and claims; the Opel Astra HB has a 1,341cc engine.
- 2 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); Singlife (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 Opel Astra HB
- Priced as a Opel Astra HB (1,341cc), registered 3 years ago.
- With a 1,341cc engine, the Opel Astra HB 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$591.00 a year for a 1,341cc engine, before any surcharge for a car over 10 years old.
- For a 35-year-old with a 30% NCD, the Opel Astra HB is the 220th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 200th cheapest, 11% more than the middle price of S$933.50.
- Opel Astra HB review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Sienta | S$845.70 | India International |
| Honda Freed | S$899.39 | India International |
| Honda HR-V | S$899.39 | India International |
| Mercedes-Benz GLB | S$1,026.30 | Allianz |
| BMW X1 | S$1,136.39 | India International |
| Mercedes-Benz C-Class | S$1,136.39 | India International |
| Honda Vezel | S$1,195.33 | Sompo |
| Mazda 3 | S$1,195.60 | 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. Budget Direct, DirectAsia, FWD, Income, MSIG 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 Opel Astra HB for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Opel Astra HB insurance for a 35-year-old with a 30% NCD?
From S$1,040.07 a year today at India International, up to S$2,220.79 at QBE, across the 12 insurers that quote this driver online. That is for a driver aged 35, married, driving 4 years, a 30% no-claim discount, on a 3-year-old Opel Astra HB, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 40% more than the S$742.90 a 40-year-old with a 50% NCD and no claims pays for the same Opel Astra HB.
What would lower the price?
Next year, with a 40% NCD: the lowest price becomes S$891.49, S$148.58 less than today's S$1,040.07. After a year with no claim, at today's prices.
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 35-year-old with a 30% NCD for a Opel Astra HB online?
ECICS (ECICS does not list this model on its online quote); Singlife (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.