Toyota 4Runner insurance for a 40-year-old woman with a 50% NCD

In short

On 12 Nov 2026, the cheapest comprehensive car insurance for a Toyota 4Runner driven by a 40-year-old woman with a 50% NCD is S$1,243.00 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-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.

• 1 insurer quotes this driver online; 15 do not.
• That is 5% less than what a 40-year-old with a 50% NCD and no claims pays for the same car (S$1,308.43).

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 5% less than what the same driver as a man pays (S$1,308.43).
• 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• 15 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model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.

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 woman with a 50% NCD, the Toyota 4Runner is the 913th cheapest of 995 car models to insure. Among 195 cars above 2,000cc it is 156th cheapest, 21% more than the middle price of S$1,024.19.
• Toyota 4Runner review: list price, COE, road tax and insurance.

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.

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