Typical car insurance quotes
Toyota Belta insurance for a 23-year-old new driver
Every insurer's price today for a driver aged 23, single, driving 1 year, no no-claim discount, on a 3-year-old Toyota Belta 1.3, 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 Toyota Belta driven by a 23-year-old new driver is S$3,048.77 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 6 insurers quote this driver online, up to S$5,088.53 at Liberty.
- 6 insurers quote this driver online; 8 do not.
- That is 5.2 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$586.41).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$3,048.77 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$3,504.91 | S$600.00 |
| SinglifeMotor Lite | S$4,079.44 | S$3,000.00 |
| MS First CapitalComprehensive | S$4,087.84 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$4,628.83 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$5,088.53 | S$600.00 |
No online price for this driver: Allianz (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (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, 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$3,658.50 | +S$609.73 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$2,203.93 | −S$844.84 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$2,613.33 | −S$435.44 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off. Young drivers, under about 26, pay a further loading at most insurers.
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Belta has a 1,296cc engine.
- 8 insurers do not quote this driver online on this car: Allianz (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (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 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Toyota Belta
- Priced as a Toyota Belta 1.3 (1,296cc), registered 3 years ago.
- With a 1,296cc engine, the Toyota Belta 1.3 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$564.60 a year for a 1,296cc engine, before any surcharge for a car over 10 years old.
- For a 23-year-old new driver, the Toyota Belta is the 25th cheapest of 587 car models to insure. Among 311 cars up to 1,600cc it is 25th cheapest, 15% less than the middle price of S$3,605.13.
- Toyota Belta review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Nissan Kicks e-Power | S$3,165.95 | Sompo |
| Honda Jazz / Fit | S$3,201.20 | Sompo |
| Mercedes-Benz A-Class | S$3,410.07 | Sompo |
| Mercedes-Benz GLA | S$3,465.97 | Sompo |
| Nissan Qashqai | S$3,528.24 | India International |
| Mercedes-Benz GLB | S$3,812.56 | Sompo |
| Audi A3 | S$4,279.89 | Sompo |
| Audi Q3 | S$4,600.87 | MS First Capital |
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 Toyota Belta for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Belta insurance for a 23-year-old new driver?
From S$3,048.77 a year today at Sompo, up to S$5,088.53 at Liberty, across the 6 insurers that quote this driver online. That is for a driver aged 23, single, driving 1 year, no no-claim discount, on a 3-year-old Toyota Belta 1.3, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5.2 times the S$586.41 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Belta.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$2,613.33, S$435.44 less than today's S$3,048.77. 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.
Which insurers do not quote a 23-year-old new driver for a Toyota Belta online?
Allianz (This insurer has no online price for this car model yet); ECICS (ECICS quotes main drivers aged 26 to 70 online); ERGO (This insurer's online price is for main drivers aged 24 or over); Etiqa (This insurer's online price is for main drivers aged 24 or over when cover starts); Great Eastern (This insurer's online price is for main drivers aged 26 or over); HL Assurance (HL Assurance insures main drivers aged 27 to 64 online); QBE (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.