Typical car insurance quotes
Subaru Legacy Wagon insurance for a 65-year-old after a claim
Every insurer's price today for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Subaru Legacy Wagon S402, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Subaru Legacy Wagon driven by a 65-year-old after a claim is S$1,888.86 a year (GST included) at Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop); 5 insurers quote this driver online, up to S$2,717.10 at ERGO.
Compare every insurer we price for a Subaru Legacy Wagon on one page: https://shentonbrokers.com/prices/car/subaru-legacy-wagon
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/subaru-legacy-wagon/age-65-after-a-claim
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.
- 5 insurers quote this driver online; 11 do not.
- That is 2.4 times 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 | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop)Buy Now | S$1,888.86 | S$2,500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$2,301.65 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$2,410.29 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ECICSComprehensiveBuy Now | S$2,519.12 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$2,717.10 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); Great American (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); 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); Singlife (This insurer has no online price for this car model yet); 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, 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$2,167.57 | +S$278.71 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,707.88 | −S$180.98 |
Why this driver pays this
- An at-fault claim in the last three years cut the no-claim discount to 20%, and many insurers add a claims loading as well, for three years. On this car the lowest price is 2.1 times what the same driver with no claims and a 50% NCD pays (S$895.23).
- From about 65 many insurers price older drivers higher, and from about 70 some do not quote online.
- The car matters too: insurers group models by value, repair costs and claims; the Subaru Legacy Wagon has a 2,457cc engine.
- 11 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); Great American (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); 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); Singlife (This insurer has no online price for this car model yet); 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 2 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,888.86 | Etiqa |
| A week ago 5 Nov 2026 | S$1,888.86 | Etiqa |
The Subaru Legacy Wagon
- Priced as a Subaru Legacy Wagon S402 (2,457cc), registered 3 years ago.
- With a 2,457cc engine, above 1,600cc, the Subaru Legacy Wagon S402 needs a Category B COE (S$132,334 in the November 2026, 1st 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 65-year-old after a claim, the Subaru Legacy Wagon is the 559th cheapest of 921 car models to insure. Among 168 cars above 2,000cc it is 62nd cheapest, 11% less than the middle price of S$2,118.35.
- Subaru Legacy Wagon review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Odyssey | S$1,644.08 | Liberty |
| Toyota Vellfire | S$1,662.84 | Etiqa |
| Toyota Alphard | S$1,678.53 | Etiqa |
| Toyota Camry | S$1,761.71 | Etiqa |
| Mitsubishi Outlander | S$1,821.64 | Etiqa |
| Alfa Romeo 159 | S$2,050.62 | Liberty |
| Audi RS 3 Sedan | S$2,636.44 | Great Eastern |
| Audi RS 3 Sportback | S$2,636.44 | 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, 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 Subaru Legacy Wagon 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.
- Etiqa, Private Car Insurance – Comprehensive (Authorised Workshop): https://www.tiq.com.sg/buy-online/car-insurance/quotation/?referral=A501895
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=subaru&model=subaru-legacy-wagon-s402&ncd=20&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=yes&dob=1961-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&claimCount=1&claimAmount=5000
- ECICS, Comprehensive: https://purchase.ecics.com/motor/insurance/basic-detail?manual=true&partner_code=B0000030&promo_code=SPECIAL15
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=subaru&model=subaru-legacy-wagon-s402&ncd=20&licenceYears=21&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=yes&dob=1961-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised&claimCount=1&claimAmount=5000
Questions people ask
How much is Subaru Legacy Wagon insurance for a 65-year-old after a claim?
From S$1,888.86 a year today at Etiqa, up to S$2,717.10 at ERGO, across the 5 insurers that quote this driver online. That is for a driver aged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%, on a 3-year-old Subaru Legacy Wagon S402, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.4 times the S$802.64 a 40-year-old with a 50% NCD and no claims pays for the same Subaru Legacy Wagon.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and Etiqa has been cheapest throughout.
Which insurers do not quote a 65-year-old after a claim for a Subaru Legacy Wagon online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer's online price is for drivers with no claims in the last 3 years); DirectAsia (We have DirectAsia’s price for one standard driver only (40 years old, 50% NCD, no claims, car 5 years old). It shows no price for your details here); Great American (This insurer has no online price for this car model yet); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); India International (This insurer has no online price for this car model yet); 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); Singlife (This insurer has no online price for this car model yet); 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.