Typical car insurance quotes
Renault Fluence 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 Renault Fluence 1.5 dCi, 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 Renault Fluence driven by a 21-year-old new driver is S$4,381.67 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 6 insurers quote this driver online, up to S$7,564.80 at AIG.
- 6 insurers quote this driver online; 8 do not.
- That is 6.6 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$660.69).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$4,381.67 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$4,572.79 | S$600.00 |
| UOIUniCar Comprehensive Value | S$5,859.11 | S$500.00 |
| SinglifeMotor Lite | S$5,978.88 | S$3,000.00 |
| MS First CapitalComprehensive | S$6,183.10 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$7,564.80 | S$600.00 |
No online price for this driver: Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); Liberty (This insurer's online price is for main drivers aged 22 or over); QBE (This insurer's online price is for main drivers aged 23 or over).
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, FWD, Income 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$5,080.88 | +S$699.21 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$3,167.45 | −S$1,214.22 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$3,755.85 | −S$625.82 |
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 car matters too: insurers group models by value, repair costs and claims; the Renault Fluence has a 1,461cc engine.
- 8 insurers do not quote this driver online on this car: Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); Liberty (This insurer's online price is for main drivers aged 22 or over); QBE (This insurer's online price is for main drivers aged 23 or over).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Renault Fluence
- Priced as a Renault Fluence 1.5 dCi (1,461cc), registered 3 years ago.
- With a 1,461cc engine, the Renault Fluence 1.5 dCi 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$661.38 a year for a 1,461cc engine, before any surcharge for a car over 10 years old.
- For a 21-year-old new driver, the Renault Fluence is the 273rd cheapest of 587 car models to insure. Among 311 cars up to 1,600cc it is 196th cheapest, 7% more than the middle price of S$4,101.24.
- Renault Fluence review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz C-Class | S$3,770.31 | Sompo |
| Toyota Corolla Altis | S$3,791.02 | Sompo |
| Toyota Sienta | S$3,890.92 | Sompo |
| Honda Freed | S$3,890.92 | Sompo |
| Mazda 3 | S$4,359.66 | Sompo |
| Mercedes-Benz GLB | S$4,421.25 | Sompo |
| Hyundai Kona | S$4,558.06 | Sompo |
| BMW X1 | S$4,809.84 | 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, DirectAsia, FWD, Income 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 Renault Fluence for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Renault Fluence insurance for a 21-year-old new driver?
From S$4,381.67 a year today at Sompo, up to S$7,564.80 at AIG, across the 6 insurers 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 Renault Fluence 1.5 dCi, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 6.6 times the S$660.69 a 40-year-old with a 50% NCD and no claims pays for the same Renault Fluence.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$3,755.85, S$625.82 less than today's S$4,381.67. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
Which insurers do not quote a 21-year-old new driver for a Renault Fluence online?
Allianz (This insurer's online price is for main drivers aged 25 or over); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); Liberty (This insurer's online price is for main drivers aged 22 or over); QBE (This insurer's online price is for main drivers aged 23 or over).
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.