Typical car insurance quotes
Subaru R1 i insurance for a 40-year-old woman with a 50% NCD
Every insurer's price today for a driver aged 40, female, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Subaru R1 i, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Subaru R1 i driven by a 40-year-old woman with a 50% NCD is S$631.49 a year (GST included) at MS First Capital, Comprehensive; 7 insurers quote this driver online, up to S$1,010.68 at Liberty.
Compare every insurer we price for a Subaru R1 i on one page: https://shentonbrokers.com/prices/car/subaru-r1-i
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/subaru-r1-i/age-40-woman-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.
- 7 insurers quote this driver online; 9 do not.
- That is 6% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$669.95).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| MS First CapitalComprehensiveBuy Now | S$631.49 | S$500.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$729.32 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| SompoComprehensive Cover – Authorised Workshop PlanBuy Now | S$735.71 | S$600.00 | Authorised workshops | Yes | S$50,000 |
| ECICSComprehensiveBuy Now | S$763.00 | S$5,000.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| ERGOSMART ComprehensiveBuy Now | S$798.40 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop)Buy Now | S$831.80 | S$600.00 | Authorised workshops | Yes, S$100 excess | S$120,000 |
| LibertyComprehensive Preferred PlanBuy Now | S$1,010.68 | S$600.00 | 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 doesn’t offer this cover online); 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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$631.49 | the same |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$456.20 | −S$175.29 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$694.64 | +S$63.15 |
Why this driver pays this
- Some insurers charge women a little less than men of the same age and record. On this car the lowest price is 6% less than what the same driver as a man pays (S$669.95).
- The car matters too: insurers group models by value, repair costs and claims; the Subaru R1 i has a 658cc engine.
- 9 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 doesn’t offer this cover online); 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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$97.83 (13%), and the cheapest insurer has changed once.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$631.49 | MS First Capital |
| A week ago 5 Nov 2026 | S$631.49 | MS First Capital |
The Subaru R1 i
- Priced as a Subaru R1 i (658cc), registered 3 years ago.
- With a 658cc engine, the Subaru R1 i needs a Category A COE (S$139,001 in the November 2026, 1st round) if its power is 97kW (130bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more.
- Road tax: about S$324.14 a year for a 658cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old woman with a 50% NCD, the Subaru R1 i is the 156th cheapest of 995 car models to insure. Among 417 cars up to 1,600cc it is 108th cheapest, 8% less than the middle price of S$684.33.
- Subaru R1 i review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda S660 ALPHA | S$525.69 | Allianz |
| Suzuki Alto | S$528.87 | MS First Capital |
| Mitsubishi i | S$577.91 | MS First Capital |
| Perodua Kancil | S$605.77 | HL Assurance |
| Honda N-Box | S$654.92 | ERGO |
| Honda N-Box L | S$654.92 | ERGO |
| Suzuki Hustler | S$657.42 | ERGO |
| Honda Life | S$682.83 | HL Assurance |
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 R1 i 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.
- MS First Capital, Comprehensive: https://shentonbrokers.com/go/buy/car/ms-first-capital/msfc-comprehensive?brand=subaru&model=subaru-r1-i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=f&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
- Sompo, Comprehensive Cover – Authorised Workshop Plan: https://www.sompo.com.sg/products/private-car/quotation/GetQuote?p=STI33804
- 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-r1-i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=f&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
- Liberty, Comprehensive Preferred Plan: https://shentonbrokers.com/go/buy/car/liberty/comprehensive-preferred?brand=subaru&model=subaru-r1-i&ncd=50&licenceYears=10&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=f&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised
Questions people ask
How much is Subaru R1 i insurance for a 40-year-old woman with a 50% NCD?
From S$631.49 a year today at MS First Capital, up to S$1,010.68 at Liberty, across the 7 insurers that quote this driver online. That is for a driver aged 40, female, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Subaru R1 i, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 6% less than the S$669.95 a 40-year-old with a 50% NCD and no claims pays for the same Subaru R1 i.
Has the price changed?
Since 2 Nov 2026 the lowest price is down S$97.83 (13%), and the cheapest insurer has changed once.
Which insurers do not quote a 40-year-old woman with a 50% NCD for a Subaru R1 i online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer doesn’t offer this cover online); 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); Etiqa (This insurer has no online price for this car model yet); Great American (This insurer has no online price for this car model yet); India International (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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.