Typical car insurance quotes
Subaru XV 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 XV 2.0 CVT, 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 XV driven by a driver with demerit points is S$816.68 a year (GST included) at Allianz, Allianz Motor Protect Comprehensive; 14 insurers quote this driver online, up to S$1,585.57 at Liberty.
- 14 insurers quote this driver online.
- That is 7% more than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$766.01).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Motor Protect Comprehensive | S$816.68 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$928.76 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$980.07 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,002.15 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$1,004.98 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,026.32 | S$600.00 |
| ECICSComprehensive | S$1,071.33 | S$750.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,101.35 | S$2,500.00 |
| SinglifeMotor Lite | S$1,191.69 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,210.02 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,240.18 | S$3,000.00 |
| ERGOSMART Comprehensive | S$1,263.09 | S$500.00 |
| UOIUniCar Comprehensive Value | S$1,360.01 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,585.57 | S$600.00 |
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$963.68 | +S$147.00 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$671.39 | −S$145.29 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$918.02 | +S$101.34 |
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$766.01).
- The car matters too: insurers group models by value, repair costs and claims; the Subaru XV has a 1,995cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Subaru XV
- Priced as a Subaru XV 2.0 CVT (1,995cc), registered 3 years ago.
- With a 1,995cc engine, above 1,600cc, the Subaru XV 2.0 CVT needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,206.24 a year for a 1,995cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Subaru XV is the 357th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 48th cheapest, 8% less than the middle price of S$889.31.
- Subaru XV review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Voxy | S$763.41 | HL Assurance |
| Toyota Harrier | S$782.00 | India International |
| Mercedes-Benz E-Class | S$906.36 | India International |
| BMW 5 Series | S$906.36 | India International |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| BMW 3 Series | S$1,000.41 | HL Assurance |
| Lexus RX | S$1,022.32 | HL Assurance |
| Lexus NX | S$1,023.58 | Etiqa |
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 XV for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Subaru XV insurance for a driver with demerit points?
From S$816.68 a year today at Allianz, up to S$1,585.57 at Liberty, across the 14 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 XV 2.0 CVT, 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$766.01 a 40-year-old with a 50% NCD and no claims pays for the same Subaru XV.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
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.