Typical car insurance quotes
Proton Gen insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Proton Gen 2 1.3, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Proton Gen driven by a 40-year-old who works outdoors is S$723.02 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 7 insurers quote this driver online, up to S$915.27 at ERGO.
Compare every insurer we price for a Proton Gen on one page: https://shentonbrokers.com/prices/car/proton-gen
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/proton-gen/age-40-outdoor-work
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.
- 7 insurers quote this driver online; 8 do not.
- That is 11% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$651.36).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$723.02 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| ECICSComprehensiveBuy Now | S$763.00 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$800.80 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$830.39 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| MS First CapitalComprehensiveBuy Now | S$900.36 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$914.76 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| ERGOSMART ComprehensiveBuy Now | S$915.27 | 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); Etiqa (This insurer has no online price for this car model yet); 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$850.61 | +S$127.59 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$600.28 | −S$122.74 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$763.00 | +S$39.98 |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 11% more than what the same driver with an office job pays (S$651.36).
- The car matters too: insurers group models by value, repair costs and claims; the Proton Gen has a 1,332cc 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); Etiqa (This insurer has no online price for this car model yet); 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 HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$723.02 | HL Assurance |
| A week ago 5 Nov 2026 | S$723.02 | HL Assurance |
The Proton Gen
- Priced as a Proton Gen 2 1.3 (1,332cc), registered 3 years ago.
- With a 1,332cc engine, the Proton Gen 2 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$585.72 a year for a 1,332cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old who works outdoors, the Proton Gen is the 189th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 134th cheapest, 5% less than the middle price of S$763.00.
- Proton Gen review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Vezel | S$620.72 | Allianz |
| Honda Freed | S$646.59 | Allianz |
| Honda HR-V | S$646.59 | Allianz |
| Mercedes-Benz GLB | S$664.09 | Allianz |
| Mazda 3 | S$741.34 | Allianz |
| Toyota Sienta | S$748.46 | HL Assurance |
| BMW X1 | S$763.00 | ECICS |
| Mercedes-Benz C-Class | S$763.00 | ECICS |
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 Proton Gen 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.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- ECICS, Comprehensive: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=proton&model=proton-gen-2-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- 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=proton&model=proton-gen-2-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=proton&model=proton-gen-2-1-3&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=outdoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is Proton Gen insurance for a 40-year-old who works outdoors?
From S$723.02 a year today at HL Assurance, up to S$915.27 at ERGO, across the 7 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount, on a 3-year-old Proton Gen 2 1.3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 11% more than the S$651.36 a 40-year-old with a 50% NCD and no claims pays for the same Proton Gen.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a 40-year-old who works outdoors for a Proton Gen 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); Etiqa (This insurer has no online price for this car model yet); 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.