Typical car insurance quotes
Perodua Kembara 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 Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Perodua Kembara driven by a 28-year-old with a 10% NCD is S$1,832.62 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 8 insurers quote this driver online, up to S$2,543.23 at ERGO.
Compare every insurer we price for a Perodua Kembara on one page: https://shentonbrokers.com/prices/car/perodua-kembara
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/perodua-kembara/age-28-10-ncd
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.
- 8 insurers quote this driver online; 8 do not.
- That is 2.7 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$675.91).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$1,832.62 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| India InternationalComprehensive (any workshop or authorised workshops)Buy Now | S$1,852.96 | S$600.00 | Any workshop | Yes, S$100 excess | Not included |
| MS First CapitalComprehensiveBuy Now | S$2,037.03 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$2,117.54 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$2,209.10 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$2,374.59 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$2,374.74 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$2,543.23 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
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. 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 |
|---|---|---|
| Repairs at any workshopInstead of the authorised workshop; the insurer picks from its own panel. | S$2,037.03 | +S$204.41 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,324.74 | −S$507.88 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$1,711.43 | −S$121.19 |
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 2.7 times what a 40-year-old with a 50% NCD pays (S$675.91).
- 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
Since 2 Nov 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,832.62 | Sompo |
| A week ago 5 Nov 2026 | S$1,832.62 | Sompo |
The Perodua Kembara
- Priced as a Perodua Kembara 1.3 (1,298cc), registered 3 years ago.
- With a 1,298cc engine, the Perodua Kembara 1.3 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its power is 97kW (130bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more.
- Road tax: about S$565.78 a year for a 1,298cc engine, before any surcharge for a car over 10 years old.
- For a 28-year-old with a 10% NCD, the Perodua Kembara is the 125th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 86th cheapest, 9% less than the middle price of S$2,010.24.
- Perodua Kembara review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Nissan Kicks e-Power | S$1,388.89 | Allianz |
| Honda Jazz / Fit | S$1,673.69 | Allianz |
| Mercedes-Benz GLB | S$1,829.23 | Allianz |
| Mercedes-Benz GLA | S$1,829.23 | Allianz |
| Toyota Yaris Cross | S$1,832.62 | Sompo |
| Toyota C-HR | S$1,832.62 | Sompo |
| Nissan Qashqai | S$1,957.26 | Allianz |
| Mercedes-Benz A-Class | S$1,968.95 | 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 Perodua Kembara for every driver · Other cars for this driver · Compare with your own details.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=perodua&model=perodua-kembara-1-3&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=perodua&model=perodua-kembara-1-3&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=perodua&model=perodua-kembara-1-3&ncd=10&licenceYears=2&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1998-11-12&gender=m&maritalStatus=single&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is Perodua Kembara insurance for a 28-year-old with a 10% NCD?
From S$1,832.62 a year today at Sompo, up to S$2,543.23 at ERGO, across the 8 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 Perodua Kembara 1.3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.7 times the S$675.91 a 40-year-old with a 50% NCD and no claims pays for the same Perodua Kembara.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$1,711.43, S$121.19 less than today's S$1,832.62. After a year with no claim, at today's prices.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
Which insurers do not quote a 28-year-old with a 10% NCD for a Perodua Kembara online?
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).
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.