Typical car insurance quotes
Toyota 4Runner insurance for a 40-year-old with a 50% NCD
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Toyota 4Runner V6 2WD 4.0, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Toyota 4Runner driven by a 40-year-old with a 50% NCD is S$1,308.43 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; it is the only insurer that quotes this driver online.
Compare every insurer we price for a Toyota 4Runner on one page: https://shentonbrokers.com/prices/car/toyota-4runner
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/toyota-4runner/age-40-50-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.
- 1 insurer quotes this driver online; 15 do not.
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$1,308.43 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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); Great Eastern (This insurer's online price is for electric cars only); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (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); Sompo (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$1,539.33 | +S$230.90 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$1,439.28 | +S$130.85 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Toyota 4Runner has a 3,956cc engine.
- 15 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 has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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); Great Eastern (This insurer's online price is for electric cars only); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (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); Sompo (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 unchanged, and HL Assurance has been cheapest throughout.
| When | Lowest price | Cheapest insurer |
|---|---|---|
| Today 12 Nov 2026 | S$1,308.43 | HL Assurance |
| A week ago 5 Nov 2026 | S$1,308.43 | HL Assurance |
The Toyota 4Runner
- Priced as a Toyota 4Runner V6 2WD 4.0 (3,956cc), registered 3 years ago.
- With a 3,956cc engine, above 1,600cc, the Toyota 4Runner V6 2WD 4.0 needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$3,880.28 a year for a 3,956cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old with a 50% NCD, the Toyota 4Runner is the 915th cheapest of 995 car models to insure. Among 195 cars above 2,000cc it is 158th cheapest, 25% more than the middle price of S$1,046.37.
- Toyota 4Runner review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BMW 735i | S$1,061.44 | Sompo |
| BMW 735Li | S$1,061.44 | Sompo |
| Audi SQ7 | S$1,268.74 | Allianz |
| Audi SQ8 | S$1,268.74 | Allianz |
| BMW X7 M60i | S$1,654.22 | Allianz |
| Audi RS Q8 | S$2,154.12 | Etiqa |
| BMW M5 Sedan | S$3,485.71 | Allianz |
| BMW M5 Touring | S$3,485.71 | Allianz |
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 Toyota 4Runner 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.
- HL Assurance, Car Protect360 Comprehensive: https://app.hlas.com.sg/redirect?source=agent&sac=SI000001&mwc=SIB&referrer=a/a/vivien
Questions people ask
How much is Toyota 4Runner insurance for a 40-year-old with a 50% NCD?
From S$1,308.43 a year today at HL Assurance, across the 1 insurer that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Toyota 4Runner V6 2WD 4.0, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 2 Nov 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a 40-year-old with a 50% NCD for a Toyota 4Runner online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); DirectAsia (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote); ERGO (This insurer has no online price for this car model yet); 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); Great Eastern (This insurer's online price is for electric cars only); India International (This insurer has no online price for this car model yet); Liberty (This insurer has no online price for this car model yet); MS First Capital (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); Sompo (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.