Typical car insurance quotes
Opel ASTRA insurance for a 28-year-old with a 10% NCD
Every insurer's price today for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Opel ASTRA 1.0, 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 Opel ASTRA driven by a 28-year-old with a 10% NCD is S$1,679.90 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$4,223.97 at UOI.
- 14 insurers quote this driver online.
- That is 3.1 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$545.00).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,679.90 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,952.45 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,007.12 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,159.17 | S$2,500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,324.37 | S$600.00 |
| ERGOSMART Comprehensive | S$2,405.39 | S$500.00 |
| MS First CapitalComprehensive | S$2,505.28 | S$500.00 |
| SinglifeMotor Lite | S$2,574.63 | S$3,000.00 |
| HL AssuranceCar Protect360 Comprehensive | S$2,661.59 | S$1,200.00 |
| ECICSComprehensive | S$2,743.64 | S$750.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,746.53 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$3,053.86 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$3,325.12 | S$600.00 |
| UOIUniCar Comprehensive Value | S$4,223.97 | 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$1,866.55 | +S$186.65 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,310.17 | −S$369.73 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$1,215.31 | −S$464.59 |
Why this driver pays this
- The no-claim discount comes off the premium: 10% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 3.1 times what a 40-year-old with a 50% NCD pays (S$545.00).
- The car matters too: insurers group models by value, repair costs and claims; the Opel ASTRA has a 999cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Opel ASTRA
- Priced as a Opel ASTRA 1.0 (999cc), registered 3 years ago.
- With a 999cc engine, the Opel ASTRA 1.0 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$390.80 a year for a 999cc engine, before any surcharge for a car over 10 years old.
- For a 28-year-old with a 10% NCD, the Opel ASTRA is the 18th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 18th cheapest, 15% less than the middle price of S$1,968.95.
- Opel ASTRA review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Ford Fiesta Titanium | S$1,537.98 | India International |
| Chery QQ | S$1,679.90 | India International |
| Chery A1 | S$1,760.35 | Sompo |
| Ford Focus Wagon Titanium | S$1,936.37 | Allianz |
| Citroen C3 | S$1,964.88 | India International |
| Daihatsu Copen | S$2,024.40 | Sompo |
| Audi A1 | S$2,037.01 | MS First Capital |
| Audi Q2 | S$2,037.01 | MS First Capital |
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 Opel ASTRA for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Opel ASTRA insurance for a 28-year-old with a 10% NCD?
From S$1,679.90 a year today at India International, up to S$4,223.97 at UOI, across the 14 insurers that quote this driver online. That is for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Opel ASTRA 1.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3.1 times the S$545.00 a 40-year-old with a 50% NCD and no claims pays for the same Opel ASTRA.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$1,215.31, S$464.59 less than today's S$1,679.90. 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.
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.