Typical car insurance quotes
Ora 5 insurance for a 21-year-old new driver
Every insurer's price today for a driver aged 21, single, driving 1 year, no no-claim discount, on a 3-year-old Ora 5 58.3 kWh, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Ora 5 driven by a 21-year-old new driver is S$7,623.59 a year (GST included) at AIG, AIG Car Insurance Collision Only; it is the only insurer that quotes this driver online.
Compare every insurer we price for a Ora 5 on one page: https://shentonbrokers.com/prices/car/ora-5
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/ora-5/age-21-new-driver
Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.
- 1 insurer quotes this driver online; 15 do not.
- That is 5.3 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,433.99).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AIGAIG Car Insurance Collision OnlyBuy Now | S$7,623.59 | S$1,500.00 | Authorised workshops | Optional add-on | Not included |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (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, 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 |
|---|---|---|
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$6,419.39 | −S$1,204.20 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off. Young drivers, under about 26, pay a further loading at most insurers.
- The Ora 5 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 15 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
Price history
Since 2 Nov 2026 the lowest price is unchanged, and the cheapest insurer has changed once.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$7,623.59 | AIG |
| A week ago 5 Nov 2026 | S$7,623.59 | AIG (estimate) |
The Ora 5
- Priced as a Ora 5 58.3 kWh (electric), registered 3 years ago.
- A fully electric Ora 5 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
- For a 21-year-old new driver, the Ora 5 is the 725th cheapest of 847 car models to insure. Among 91 electric cars it is 37th cheapest, 3% less than the middle price of S$7,842.20.
- Ora 5 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Aion V | S$6,255.48 | AIG |
| BYD Sealion 7 | S$6,349.06 | Sompo |
| BYD Atto 3 | S$6,349.06 | Sompo |
| BYD M6 | S$6,349.06 | Sompo |
| Hyundai Ioniq 5 | S$7,435.41 | Singlife |
| Tesla Model 3 | S$7,518.93 | Sompo |
| Tesla Model Y | S$7,518.93 | Sompo |
| BMW iX1 | S$8,707.30 | Sompo |
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, 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 Ora 5 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Ora 5 insurance for a 21-year-old new driver?
From S$7,623.59 a year today at AIG, across the 1 insurer that quote this driver online. That is for a driver aged 21, single, driving 1 year, no no-claim discount, on a 3-year-old Ora 5 58.3 kWh, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5.3 times the S$1,433.99 a 40-year-old with a 50% NCD and no claims pays for the same Ora 5.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$6,419.39, S$1,204.20 less than today's S$7,623.59. After a year with no claim, at today's prices.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and the cheapest insurer has changed once.
Which insurers do not quote a 21-year-old new driver for a Ora 5 online?
Allianz (This insurer's online price is for main drivers aged 25 or over); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); Great Eastern (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (This insurer has no online price for this car model yet); UOI (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.