Smart car insurance
Smart #5 insurance quotes by driver
What the Smart #5 costs to insure today for 73 typical drivers, every age from 21 to 80, on a 3-year-old Smart #5 Premium 100 kWh, private use, comprehensive cover, repairs at an authorised workshop.
Compare every insurer we price for a Smart #5 on one page: https://shentonbrokers.com/prices/car/smart-5
On 12 Nov 2026, Smart #5 insurance costs from S$830.22 a year (Allianz) for a driver aged 40 with 10 years' driving and a 50% NCD, GST included.
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/smart-5
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.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$830.22 a year.
- A 25-year-old new driver pays from S$3,374.83, 4.1 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,871.02, 2.3 times the settled driver's price.
- Online prices here run from age 21 to 80; some drivers get no online price at all.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount | S$8,299.10Buy NowAIG | S$8,299.10 | 1 |
| 22, new driveraged 22, single, driving 1 year, no no-claim discount | S$8,204.70Buy NowAIG | S$8,204.70 | 1 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount | S$6,235.00Buy NowAIG | S$6,235.00 | 1 |
| 24, new driveraged 24, single, driving 1 year, no no-claim discount | S$6,169.72Buy NowAIG | S$6,169.72 | 1 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount | S$3,374.83Buy NowAllianz | S$4,676.26 | 2 |
| 26, new driveraged 26, single, driving 1 year, no no-claim discount | S$3,324.88Buy NowAllianz | S$4,538.86 | 2 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount | S$3,274.96Buy NowAllianz | S$4,432.38 | 2 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount | S$2,321.99Buy NowAllianz | S$4,141.61 | 3 |
| 29, new driveraged 29, single, driving 1 year, no no-claim discount | S$3,175.06Buy NowAllianz | S$4,204.80 | 2 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount | S$3,125.14Buy NowAllianz | S$4,069.29 | 2 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount | S$2,000.08Buy NowAllianz | S$3,272.46 | 3 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount | S$1,154.74Buy NowAllianz | S$1,761.68 | 3 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount | S$978.60Buy NowAllianz | S$1,463.83 | 3 |
| 31, 50% NCDaged 31, married, driving 7 years, a 50% no-claim discount | S$1,088.91Buy NowAllianz | S$1,371.97 | 3 |
| 32, 50% NCDaged 32, married, driving 8 years, a 50% no-claim discount | S$1,033.57Buy NowAllianz | S$1,329.07 | 3 |
| 33, 50% NCDaged 33, married, driving 9 years, a 50% no-claim discount | S$987.20Buy NowAllianz | S$1,295.66 | 3 |
| 34, 50% NCDaged 34, married, driving 10 years, a 50% no-claim discount | S$948.50Buy NowAllianz | S$1,252.97 | 3 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount | S$1,283.05Buy NowAllianz | S$1,844.72 | 3 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount | S$916.46Buy NowAllianz | S$1,221.50 | 3 |
| 36, 50% NCDaged 36, married, driving 10 years, a 50% no-claim discount | S$890.18Buy NowAllianz | S$1,191.47 | 3 |
| 37, 50% NCDaged 37, married, driving 10 years, a 50% no-claim discount | S$868.98Buy NowAllianz | S$1,161.47 | 3 |
| 38, 50% NCDaged 38, married, driving 10 years, a 50% no-claim discount | S$852.25Buy NowAllianz | S$1,131.45 | 3 |
| 39, 50% NCDaged 39, married, driving 10 years, a 50% no-claim discount | S$839.47Buy NowAllianz | S$1,121.18 | 3 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount | S$830.22Buy NowAllianz | S$1,110.93 | 3 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount | S$750.13Buy NowAllianz | S$1,138.73 | 3 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$1,871.02Buy NowAIG | S$2,508.64 | 2 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left | No online price | 0 | |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount | S$830.22Buy NowAllianz | S$1,102.37 | 3 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points | S$898.74Buy NowAllianz | S$1,110.93 | 3 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount | S$2,246.89Buy NowAllianz | S$2,732.84 | 2 |
| 41, 50% NCDaged 41, married, driving 11 years, a 50% no-claim discount | S$824.14Buy NowAllianz | S$1,080.16 | 3 |
| 42, 50% NCDaged 42, married, driving 12 years, a 50% no-claim discount | S$820.87Buy NowAllianz | S$1,063.82 | 3 |
| 43, 50% NCDaged 43, married, driving 13 years, a 50% no-claim discount | S$820.17Buy NowAllianz | S$1,067.73 | 3 |
| 44, 50% NCDaged 44, married, driving 14 years, a 50% no-claim discount | S$821.71Buy NowAllianz | S$1,067.02 | 3 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount | S$825.27Buy NowAllianz | S$1,068.04 | 3 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit | S$825.27Buy NowAllianz | S$1,068.04 | 3 |
| 46, 50% NCDaged 46, married, driving 16 years, a 50% no-claim discount | S$830.63Buy NowAllianz | S$1,076.41 | 3 |
| 47, 50% NCDaged 47, married, driving 17 years, a 50% no-claim discount | S$837.56Buy NowAllianz | S$1,096.98 | 3 |
| 48, 50% NCDaged 48, married, driving 18 years, a 50% no-claim discount | S$845.79Buy NowAllianz | S$1,130.40 | 3 |
| 49, 50% NCDaged 49, married, driving 19 years, a 50% no-claim discount | S$855.14Buy NowAllianz | S$1,168.98 | 3 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount | S$865.34Buy NowAllianz | S$1,197.11 | 3 |
| 51, 50% NCDaged 51, married, driving more than 20 years, a 50% no-claim discount | S$876.13Buy NowAllianz | S$1,224.53 | 3 |
| 52, 50% NCDaged 52, married, driving more than 20 years, a 50% no-claim discount | S$887.29Buy NowAllianz | S$1,268.47 | 3 |
| 53, 50% NCDaged 53, married, driving more than 20 years, a 50% no-claim discount | S$898.52Buy NowAllianz | S$1,288.89 | 3 |
| 54, 50% NCDaged 54, married, driving more than 20 years, a 50% no-claim discount | S$909.53Buy NowAllianz | S$1,327.82 | 3 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount | S$920.04Buy NowAllianz | S$1,348.23 | 3 |
| 56, 50% NCDaged 56, married, driving more than 20 years, a 50% no-claim discount | S$929.70Buy NowAllianz | S$1,367.31 | 3 |
| 57, 50% NCDaged 57, married, driving more than 20 years, a 50% no-claim discount | S$938.22Buy NowAllianz | S$1,386.38 | 3 |
| 58, 50% NCDaged 58, married, driving more than 20 years, a 50% no-claim discount | S$945.25Buy NowAllianz | S$1,394.56 | 3 |
| 59, 50% NCDaged 59, married, driving more than 20 years, a 50% no-claim discount | S$950.46Buy NowAllianz | S$1,402.03 | 3 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount | S$953.51Buy NowAllianz | S$1,405.06 | 3 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount | S$869.48Buy NowAllianz | S$1,261.41 | 3 |
| 61, 50% NCDaged 61, married, driving more than 20 years, a 50% no-claim discount | S$954.09Buy NowAllianz | S$1,406.72 | 3 |
| 62, 50% NCDaged 62, married, driving more than 20 years, a 50% no-claim discount | S$951.89Buy NowAllianz | S$1,403.24 | 3 |
| 63, 50% NCDaged 63, married, driving more than 20 years, a 50% no-claim discount | S$946.65Buy NowAllianz | S$1,397.73 | 3 |
| 64, 50% NCDaged 64, married, driving more than 20 years, a 50% no-claim discount | S$938.07Buy NowAllianz | S$1,392.20 | 3 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount | S$926.00Buy NowAllianz | S$1,388.05 | 3 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20% | S$2,337.74Buy NowAIG | S$2,877.68 | 2 |
| 66, 50% NCDaged 66, married, driving more than 20 years, a 50% no-claim discount | S$919.39Buy NowAllianz | S$1,382.53 | 3 |
| 67, 50% NCDaged 67, married, driving more than 20 years, a 50% no-claim discount | S$917.53Buy NowAllianz | S$1,378.37 | 3 |
| 68, 50% NCDaged 68, married, driving more than 20 years, a 50% no-claim discount | S$910.94Buy NowAllianz | S$1,377.01 | 3 |
| 69, 50% NCDaged 69, married, driving more than 20 years, a 50% no-claim discount | S$899.45Buy NowAllianz | S$1,377.01 | 3 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount | S$882.97Buy NowAllianz | S$1,233.26 | 2 |
| 71, 50% NCDaged 71, married, driving more than 20 years, a 50% no-claim discount | S$880.60Buy NowAllianz | S$1,232.08 | 2 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount | S$914.10Buy NowAllianz | S$1,248.83 | 2 |
| 73, 50% NCDaged 73, married, driving more than 20 years, a 50% no-claim discount | S$925.53Buy NowAllianz | S$1,254.54 | 2 |
| 74, 50% NCDaged 74, married, driving more than 20 years, a 50% no-claim discount | S$939.41Buy NowAllianz | S$1,261.48 | 2 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount | S$953.50Buy NowAllianz | S$1,302.95 | 2 |
| 76, 50% NCDaged 76, married, driving more than 20 years, a 50% no-claim discount | S$1,652.40Buy NowAIG | S$1,652.40 | 1 |
| 77, 50% NCDaged 77, married, driving more than 20 years, a 50% no-claim discount | S$1,652.40Buy NowAIG | S$1,652.40 | 1 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount | S$1,652.40Buy NowAIG | S$1,652.40 | 1 |
| 79, 50% NCDaged 79, married, driving more than 20 years, a 50% no-claim discount | S$1,652.40Buy NowAIG | S$1,652.40 | 1 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | S$2,065.52Buy NowAIG | S$2,065.52 | 1 |
Budget Direct, FWD, Income, MSIG quote live on our results page with your own answers, so they are not counted here. Every plan for the Smart #5 · This table as CSV · Compare with your own details.
A full quote: a driver aged 40 with a 50% NCD
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| AllianzAllianz Electric Motor Protect ComprehensiveBuy Now | S$830.22 | S$2,000.00 | Authorised workshops | Yes, S$100 excess | Not included |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$1,110.93 | S$1,500.00 | Authorised workshops | Optional add-on | Not included |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop)Buy Now | S$1,698.26 | 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 (This insurer has no online price for this car model yet); 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.
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$898.82 | +S$68.60 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,041.44 | +S$211.22 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$967.26 | +S$137.04 |
Why it costs this
For a driver aged 40 with a 50% NCD on this Smart #5:
- The Smart #5 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 (This insurer has no online price for this car model yet); 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
For a driver aged 40 with a 50% NCD on this Smart #5: Since 2 Nov 2026 the lowest price is down S$280.71 (25%), and the cheapest insurer has changed 2 times.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$830.22 | Allianz |
| A week ago 5 Nov 2026 | S$830.22 | Allianz (estimate) |
How these prices are worked out
Each price is what the insurer charges today for each driver on this Smart #5, GST included: from the rates and plans 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 sells car insurance online. This table is in a CSV file, updated daily.
Buy Now addresses
Each insurer listed here, at its lowest price on this page.
Questions people ask
How much is Smart #5 insurance in Singapore?
From S$830.22 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old Smart #5 Premium 100 kWh, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 73 drivers.
How much is Smart #5 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,374.83 a year today at Allianz, 4.1 times the price for a settled driver with a 50% NCD. 2 insurers quote this driver online, against 3 for the settled driver.
How much more is Smart #5 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,871.02, 2.3 times the S$830.22 with no claims.
Does a new driver aged 40 pay less than a young new driver for a Smart #5?
Yes, today: S$2,246.89 a year at 40 against S$3,374.83 at 25, both in their first year with no NCD.
Which insurer is cheapest for a Smart #5?
Allianz is cheapest for 61 of the 72 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.