Typical car insurance quotes
Smart #1 insurance for a 65-year-old with a 50% NCD
Every insurer's price today for a driver aged 65, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Smart #1 Pro+ CORE 66 kWh, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Smart #1 driven by a 65-year-old with a 50% NCD is S$840.23 a year (GST included) at Allianz, Allianz Electric Motor Protect Comprehensive; 3 insurers quote this driver online, up to S$1,844.73 at Great Eastern.
Compare every insurer we price for a Smart #1 on one page: https://shentonbrokers.com/prices/car/smart-1
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/smart-1/age-65-50-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.
- 3 insurers quote this driver online; 13 do not.
- That is 12% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$753.33).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Electric Motor Protect ComprehensiveBuy Now | S$840.23 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$1,302.76 | S$1,500.00 | Authorised workshops | Optional add-on | Not included |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop)Buy Now | S$1,844.73 | S$900.00 | Any workshop | Yes, S$100 excess | S$120,000 |
No online price for this driver: DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (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$909.65 | +S$69.42 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,054.02 | +S$213.79 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$978.91 | +S$138.68 |
Why this driver pays this
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online. On this car the lowest price is 12% more than what a 40-year-old with the same 50% NCD pays (S$753.33).
- The Smart #1 is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 13 insurers do not quote this driver online on this car: DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (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 down S$462.53 (36%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$840.23 | Allianz |
| A week ago 5 Nov 2026 | S$840.23 | Allianz (estimate) |
The Smart #1
- Priced as a Smart #1 Pro+ CORE 66 kWh (electric), registered 3 years ago.
- A fully electric Smart #1 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.
- For a 65-year-old with a 50% NCD, the Smart #1 is the 305th cheapest of 970 car models to insure. Among 145 electric cars it is 49th cheapest, 7% less than the middle price of S$905.27.
- Smart #1 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Tesla Model 3 | S$777.68 | Allianz |
| Tesla Model Y | S$887.65 | Allianz |
| BYD Atto 3 | S$903.75 | Allianz |
| BYD M6 | S$958.60 | Allianz |
| Aion V | S$1,047.00 | AIG |
| Hyundai Ioniq 5 | S$1,067.24 | Allianz |
| BYD Sealion 7 | S$1,206.52 | Allianz |
| BMW iX1 | S$1,287.84 | Allianz |
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 Smart #1 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.
- Allianz, Allianz Electric Motor Protect Comprehensive: https://shentonbrokers.com/go/buy/car/allianz/ev-comprehensive?brand=smart&model=smart-1-pro-core-66-kwh&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
Questions people ask
How much is Smart #1 insurance for a 65-year-old with a 50% NCD?
From S$840.23 a year today at Allianz, up to S$1,844.73 at Great Eastern, across the 3 insurers that quote this driver online. That is for a driver aged 65, married, driving more than 20 years, a 50% no-claim discount, on a 3-year-old Smart #1 Pro+ CORE 66 kWh, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 12% more than the S$753.33 a 40-year-old with a 50% NCD and no claims pays for the same Smart #1.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$462.53 (36%), and the cheapest insurer has changed 2 times.
Which insurers do not quote a 65-year-old with a 50% NCD for a Smart #1 online?
DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for electric cars); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for electric cars); Liberty (This insurer has no online price for this car model yet); MS First Capital (MS First Capital does not quote electric cars online); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); Sompo (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.