Typical car insurance quotes
Toyota Alphard insurance for a 28-year-old with a 10% NCD
Every insurer's price today for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Toyota Alphard 2.5 A, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 29 Oct 2026, GST included.
In short
On 29 Oct 2026, the cheapest comprehensive car insurance for a Toyota Alphard driven by a 28-year-old with a 10% NCD is S$2,031.56 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 14 insurers quote this driver online, up to S$6,269.89 at UOI.
- 14 insurers quote this driver online.
- That is 2.7 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$764.82).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,031.56 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,489.84 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,637.76 | S$3,000.00 |
| SinglifeMotor Lite | S$2,638.94 | S$3,000.00 |
| AllianzAllianz Motor Protect Comprehensive | S$2,789.87 | S$2,000.00 |
| ERGOSMART Comprehensive | S$2,812.46 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,966.17 | S$2,500.00 |
| MS First CapitalComprehensive | S$2,991.39 | S$500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$3,064.87 | S$1,200.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$3,194.95 | S$600.00 |
| ECICSComprehensive | S$3,322.89 | S$750.00 |
| AIGAIG Car Insurance Collision Only | S$3,636.20 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$3,891.28 | S$600.00 |
| UOIUniCar Comprehensive Value | S$6,269.89 | S$500.00 |
See this quote on the results page, with every plan and filter. Budget Direct, DirectAsia, 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$2,437.84 | +S$406.28 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,468.56 | −S$563.00 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$1,799.88 | −S$231.68 |
Why this driver pays this
- The no-claim discount comes off the premium: 10% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.7 times what a 40-year-old with a 50% NCD pays (S$764.82).
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Alphard has a 2,493cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Toyota Alphard
- Priced as a Toyota Alphard 2.5 A (2,493cc), registered 3 years ago.
- With a 2,493cc engine, above 1,600cc, the Toyota Alphard 2.5 A needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,790.38 a year for a 2,493cc engine, before any surcharge for a car over 10 years old.
- For a 28-year-old with a 10% NCD, the Toyota Alphard is the 232nd cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 9th cheapest, 16% less than the middle price of S$2,412.75.
- Toyota Alphard review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Odyssey | S$2,031.56 | Sompo |
| Chevrolet Malibu | S$2,290.74 | Sompo |
| Mitsubishi Outlander | S$2,385.57 | Sompo |
| Ford Kuga Titanium | S$2,408.56 | Sompo |
| Chevrolet Captiva | S$2,473.99 | Sompo |
| Ford Focus ST | S$2,755.28 | Allianz |
| Audi RS 3 Sedan | S$3,194.95 | Great Eastern |
| Audi RS 3 Sportback | S$3,194.95 | 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. Budget Direct, DirectAsia, 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 Alphard for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Alphard insurance for a 28-year-old with a 10% NCD?
From S$2,031.56 a year today at Sompo, up to S$6,269.89 at UOI, across the 14 insurers that quote this driver online. That is for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Toyota Alphard 2.5 A, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.7 times the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Alphard.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$1,799.88, S$231.68 less than today's S$2,031.56. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Sompo 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.