Perodua car insurance
Perodua Kembara insurance quotes by driver
What the Perodua Kembara costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a Perodua Kembara on one page: https://shentonbrokers.com/prices/car/perodua-kembara
On 12 Nov 2026, Perodua Kembara insurance costs from S$675.91 a year (HL Assurance) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/perodua-kembara
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.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$675.91 a year.
- A 25-year-old new driver pays from S$2,736.90, 4.0 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,134.36, 68% more than the settled driver's price.
- Online prices here run from age 21 to 79; some drivers get no online price at all.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount | S$3,680.66Buy NowSompo | S$3,944.62 | 3 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$3,417.90Buy NowSompo | S$4,053.97 | 3 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$3,173.93Buy NowSompo | S$3,728.17 | 4 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$2,875.42Buy NowSompo | S$3,653.79 | 5 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$2,736.90Buy NowSompo | S$3,346.15 | 5 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$2,479.35Buy NowSompo | S$3,104.27 | 5 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$2,302.35Buy NowSompo | S$2,887.45 | 4 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$1,832.62Buy NowSompo | S$2,163.32 | 8 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$2,034.89Buy NowSompo | S$2,620.66 | 4 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$1,985.39Buy NowSompo | S$2,562.94 | 4 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$1,589.30Buy NowSompo | S$1,744.58 | 7 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$874.06Buy NowHL Assurance | S$1,015.60 | 7 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$830.35Buy NowHL Assurance | S$966.95 | 7 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$796.87Buy NowHL Assurance | S$937.43 | 7 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$768.41Buy NowHL Assurance | S$905.05 | 7 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$747.05Buy NowHL Assurance | S$875.72 | 7 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$725.71Buy NowHL Assurance | S$854.36 | 7 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$1,049.94Buy NowLiberty | S$1,138.43 | 7 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$711.48Buy NowHL Assurance | S$813.16 | 7 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$697.25Buy NowHL Assurance | S$806.22 | 7 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$690.14Buy NowHL Assurance | S$806.22 | 7 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$683.04Buy NowHL Assurance | S$806.22 | 7 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$675.91Buy NowHL Assurance | S$806.22 | 7 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$675.91Buy NowHL Assurance | S$806.22 | 7 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$642.12Buy NowHL Assurance | S$806.22 | 7 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$1,134.36Buy NowEtiqa | S$1,396.36 | 4 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | S$2,042.10Buy NowLiberty | S$2,120.38 | 3 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$750.26Buy NowHL Assurance | S$848.67 | 7 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$675.91Buy NowHL Assurance | S$818.58 | 7 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$1,576.09Buy NowSompo | S$1,878.47 | 5 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$668.80Buy NowHL Assurance | S$803.25 | 7 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$668.80Buy NowHL Assurance | S$803.25 | 7 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$675.91Buy NowHL Assurance | S$803.25 | 7 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$675.91Buy NowHL Assurance | S$803.25 | 7 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$675.91Buy NowHL Assurance | S$803.25 | 7 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$642.12Buy NowHL Assurance | S$803.25 | 7 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$683.03Buy NowHL Assurance | S$806.22 | 7 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$683.04Buy NowHL Assurance | S$806.22 | 7 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$690.13Buy NowHL Assurance | S$806.22 | 7 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$690.13Buy NowHL Assurance | S$806.22 | 7 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$697.25Buy NowHL Assurance | S$818.58 | 7 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$704.37Buy NowHL Assurance | S$825.11 | 7 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$711.48Buy NowHL Assurance | S$840.48 | 7 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$718.60Buy NowHL Assurance | S$856.41 | 7 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$718.60Buy NowHL Assurance | S$858.86 | 7 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$725.71Buy NowHL Assurance | S$875.72 | 7 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$732.83Buy NowHL Assurance | S$875.72 | 7 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$739.95Buy NowHL Assurance | S$875.72 | 7 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$739.95Buy NowHL Assurance | S$875.72 | 7 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$747.05Buy NowHL Assurance | S$875.72 | 7 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$747.05Buy NowHL Assurance | S$889.89 | 7 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$709.71Buy NowHL Assurance | S$881.04 | 7 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$754.18Buy NowHL Assurance | S$889.89 | 7 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$754.18Buy NowHL Assurance | S$889.89 | 7 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$754.18Buy NowHL Assurance | S$889.89 | 7 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$747.05Buy NowHL Assurance | S$889.89 | 7 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$799.97Buy NowMS First Capital | S$893.59 | 6 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$1,284.68Buy NowLiberty | S$1,507.50 | 4 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$897.49 | 6 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$896.72 | 6 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$895.56 | 6 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$894.11 | 6 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$882.36 | 5 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$896.55 | 4 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$901.12 | 4 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$906.14 | 4 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$911.90 | 4 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$879.96Buy NowMS First Capital | S$993.81 | 4 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | S$959.95Buy NowMS First Capital | S$1,064.59 | 2 |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | S$959.95Buy NowMS First Capital | S$1,064.59 | 2 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | S$959.95Buy NowMS First Capital | S$1,064.59 | 2 |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | S$959.95Buy NowMS First Capital | S$1,064.59 | 2 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the Perodua Kembara · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$675.91 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| MS First CapitalComprehensiveBuy Now | S$732.08 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$751.70 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$806.22 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$818.58 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$886.66 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$905.83 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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.
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$732.08 | +S$56.17 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$528.87 | −S$147.04 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$743.50 | +S$67.59 |
Why it costs this
For a driver aged 40 with a 50% NCD on this Perodua Kembara:
- The car matters too: insurers group models by value, repair costs and claims; the Perodua Kembara has a 1,298cc engine.
- 8 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); ECICS (ECICS does not list this model on its online quote); Great American (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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
For a driver aged 40 with a 50% NCD on this Perodua Kembara: Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$675.91 | HL Assurance |
| A week ago 5 Nov 2026 | S$675.91 | HL Assurance |
How these prices are worked out
Each price is what the insurer charges today for each driver on this Perodua Kembara, GST included: from the rates and plans 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 sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- HL Assurance: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- MS First Capital: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=perodua&model=perodua-kembara-1-3&ncd=50&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1961-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Liberty: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=perodua&model=perodua-kembara-1-3&ncd=30&licenceYears=4&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1991-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Etiqa: https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- Sompo: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
Questions people ask
How much is Perodua Kembara insurance in Singapore?
From S$675.91 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is Perodua Kembara insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$2,736.90 a year today at Sompo, 4.0 times the price for a settled driver with a 50% NCD. 5 insurers quote this driver online, against 7 for the settled driver.
How much more is Perodua Kembara insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,134.36, 68% more than the S$675.91 with no claims.
Does a new driver aged 40 pay less than a young new driver for a Perodua Kembara?
Yes, today: S$1,576.09 a year at 40 against S$2,736.90 at 25, both in their first year with no NCD.
Which insurer is cheapest for a Perodua Kembara?
HL Assurance is cheapest for 41 of the 72 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.