Typical car insurance quotes
Tesla Model Y 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 Tesla Model Y (110kW), 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 Tesla Model Y driven by a driver with demerit points is S$1,058.57 a year (GST included) at Allianz, Allianz Electric Motor Protect Comprehensive; 8 insurers quote this driver online, up to S$3,243.35 at Singlife.
- 8 insurers quote this driver online; 6 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| AllianzAllianz Electric Motor Protect Comprehensive | S$1,058.57 | S$2,000.00 |
| AIGAIG Car Insurance Collision Only | S$1,147.48 | S$600.00 |
| ECICSComprehensive | S$1,174.65 | S$750.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,407.42 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,498.74 | S$1,200.00 |
| Great EasternGREAT EV Protect Comprehensive (Any Workshop) | S$1,698.26 | S$900.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,733.66 | S$600.00 |
| SinglifeMotor Standard | S$3,243.35 | S$2,500.00 |
No online price for this driver: ERGO (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); UOI (This insurer's online price is for repairs at any workshop).
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$1,249.11 | +S$190.54 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,050.89 | −S$7.68 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,174.65 | +S$116.08 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others.
- The Tesla Model Y is electric: repairs and parts cost more at some insurers, so they price electric cars higher than petrol cars of the same size.
- 6 insurers do not quote this driver online on this car: ERGO (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); UOI (This insurer's online price is for repairs at any workshop).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Allianz has been cheapest throughout.
The Tesla Model Y
- Priced as a Tesla Model Y (110kW) (electric), registered 3 years ago.
- A fully electric Tesla Model Y needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more powerful.
- For a driver with demerit points, the Tesla Model Y is the 538th cheapest of 590 car models to insure. Among 18 electric cars it is 13th cheapest, 10% more than the middle price of S$965.93.
- Tesla Model Y review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BYD Dolphin | S$787.08 | AIG |
| BYD Atto 3 | S$789.73 | AIG |
| BYD M6 | S$799.24 | AIG |
| BYD E6 | S$799.24 | AIG |
| BYD Seal | S$861.20 | AIG |
| Kia EV6 | S$880.89 | Allianz |
| Hyundai Ioniq 5 | S$1,004.44 | Etiqa |
| Audi e-tron Electric | S$1,505.85 | 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. The figures for every driver on this car are in a CSV file, updated daily.
The Tesla Model Y for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Tesla Model Y insurance for a driver with demerit points?
From S$1,058.57 a year today at Allianz, up to S$3,243.35 at Singlife, across the 8 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 Tesla Model Y (110kW), private use, comprehensive cover, repairs at an authorised workshop.
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 Tesla Model Y online?
ERGO (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); UOI (This insurer's online price is for repairs at any workshop).
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.