Typical car insurance quotes
Subaru Legacy Touring Wagon insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Subaru Legacy Touring Wagon 2.5GT, 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 Subaru Legacy Touring Wagon driven by a driver with demerit points is S$855.73 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 12 insurers quote this driver online, up to S$1,660.54 at Liberty.
- 12 insurers quote this driver online; 2 do not.
- That is 7% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$802.64).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$855.73 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$898.36 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$1,031.51 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,143.73 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,154.40 | S$1,200.00 |
| ECICSComprehensive | S$1,271.93 | S$750.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,283.44 | S$3,000.00 |
| ERGOSMART Comprehensive | S$1,344.37 | S$500.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,383.24 | S$600.00 |
| MS First CapitalComprehensive | S$1,402.74 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,464.30 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,660.54 | S$600.00 |
No online price for this driver: Etiqa (This insurer has no online price for this car model yet); Singlife (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 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$1,009.76 | +S$154.03 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$649.41 | −S$206.32 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$961.92 | +S$106.19 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is 7% more than what the same driver with none pays (S$802.64).
- The car matters too: insurers group models by value, repair costs and claims; the Subaru Legacy Touring Wagon has a 2,457cc engine.
- 2 insurers do not quote this driver online on this car: Etiqa (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Subaru Legacy Touring Wagon
- Priced as a Subaru Legacy Touring Wagon 2.5GT (2,457cc), registered 3 years ago.
- With a 2,457cc engine, above 1,600cc, the Subaru Legacy Touring Wagon 2.5GT needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,748.16 a year for a 2,457cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Subaru Legacy Touring Wagon is the 399th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 25th cheapest, 13% less than the middle price of S$982.82.
- Subaru Legacy Touring Wagon review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Vellfire | S$793.80 | AIG |
| Toyota Alphard | S$805.07 | India International |
| Chevrolet Captiva | S$805.07 | India International |
| Honda Odyssey | S$854.43 | India International |
| Toyota Camry | S$872.39 | HL Assurance |
| Mitsubishi Outlander | S$906.36 | India International |
| Audi RS 3 Sedan | S$1,310.08 | Great Eastern |
| Audi RS 3 Sportback | S$1,310.08 | Great Eastern |
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 Subaru Legacy Touring Wagon for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Subaru Legacy Touring Wagon insurance for a driver with demerit points?
From S$855.73 a year today at Allianz, up to S$1,660.54 at Liberty, across the 12 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Subaru Legacy Touring Wagon 2.5GT, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 7% more than the S$802.64 a 40-year-old with a 50% NCD and no claims pays for the same Subaru Legacy Touring Wagon.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Subaru Legacy Touring Wagon online?
Etiqa (This insurer has no online price for this car model yet); Singlife (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.