Typical car insurance quotes
Proton Saga insurance for a driver with two claims
Every insurer's price today for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old Proton Saga 1.3, 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 Proton Saga driven by a driver with two claims is S$1,842.97 a year (GST included) at Liberty, Comprehensive Preferred Plan; 5 insurers quote this driver online, up to S$4,348.82 at Etiqa.
- 5 insurers quote this driver online; 9 do not.
- That is 3.2 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$569.36).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| LibertyComprehensive Preferred Plan | S$1,842.97 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,120.38 | S$600.00 |
| ECICSComprehensive | S$2,479.65 | S$750.00 |
| SinglifeMotor Lite | S$2,647.54 | S$3,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$4,348.82 | S$2,500.00 |
No online price for this driver: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); 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, DirectAsia, 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$2,355.98 | +S$513.01 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,423.44 | −S$419.53 |
Why this driver pays this
- 2 at-fault claims in the last three years took the whole no-claim discount away, and many insurers add a claims loading as well, for three years. On this car the lowest price is 3.2 times what the same driver with no claims and a 50% NCD pays (S$569.36).
- The car matters too: insurers group models by value, repair costs and claims; the Proton Saga has a 1,298cc engine.
- 9 insurers do not quote this driver online on this car: AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); UOI (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Liberty has been cheapest throughout.
The Proton Saga
- Priced as a Proton Saga 1.3 (1,298cc), registered 3 years ago.
- With a 1,298cc engine, the Proton Saga 1.3 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$565.78 a year for a 1,298cc engine, before any surcharge for a car over 10 years old.
- For a driver with two claims, the Proton Saga is the 11th cheapest of 557 car models to insure. Among 296 cars up to 1,600cc it is 11th cheapest, 23% less than the middle price of S$2,385.75.
- Proton Saga review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota C-HR | S$2,058.85 | India International |
| Nissan Qashqai | S$2,156.15 | India International |
| Nissan Kicks e-Power | S$2,156.15 | India International |
| Toyota Yaris Cross | S$2,249.86 | India International |
| Honda Jazz / Fit | S$2,316.52 | India International |
| Mercedes-Benz A-Class | S$2,666.28 | ECICS |
| Mercedes-Benz GLA | S$2,705.93 | Singlife |
| Mercedes-Benz GLB | S$2,934.43 | India International |
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, 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 Saga for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Proton Saga insurance for a driver with two claims?
From S$1,842.97 a year today at Liberty, up to S$4,348.82 at Etiqa, across the 5 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left, on a 3-year-old Proton Saga 1.3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 3.2 times the S$569.36 a 40-year-old with a 50% NCD and no claims pays for the same Proton Saga.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Liberty has been cheapest throughout.
Which insurers do not quote a driver with two claims for a Proton Saga online?
AIG (This insurer's online price is for drivers with up to one claim in the last 3 years); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); ERGO (This insurer has no online price for this car model yet); Great Eastern (This insurer's online price is for drivers with up to one claim in the last 3 years); HL Assurance (This insurer's online price is for drivers with no claims in the last 3 years); MS First Capital (MS First Capital does not quote drivers with a claim in the last 3 years online; it refers them); QBE (This insurer's online price is for drivers with no claims in the last 3 years); Sompo (This insurer's online price is for drivers with no claims in the last 3 years); 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.