Typical car insurance quotes
Toyota Caldina GT-FOUR insurance for a driver with a Certificate of Merit
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Toyota Caldina GT-FOUR 2.0, private use, comprehensive cover, repairs at an authorised workshop.
In short
On 12 Nov 2026, the cheapest comprehensive car insurance for a Toyota Caldina GT-FOUR driven by a driver with a Certificate of Merit is S$766.10 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 3 insurers quote this driver online, up to S$1,293.14 at ERGO.
Compare every insurer we price for a Toyota Caldina GT-FOUR on one page: https://shentonbrokers.com/prices/car/toyota-caldina-gt-four
Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/car-insurance-quotes/toyota-caldina-gt-four/age-45-certificate-of-merit
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.
- 3 insurers quote this driver online; 13 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$806.41).
Insurer by insurer
| Insurer | Premium | Excess | Workshop | Windscreen | Personal accident |
|---|---|---|---|---|---|
| HL AssuranceCar Protect360 ComprehensiveBuy Now | S$766.10 | S$1,200.00 | Any workshop | Yes, S$100 excess | S$20,000 |
| AIGAIG Car Insurance Collision OnlyBuy Now | S$948.76 | S$600.00 | Authorised workshops | Optional add-on | Not included |
| ERGOSMART ComprehensiveBuy Now | S$1,293.14 | S$500.00 | Authorised workshops | Yes, S$100 excess | S$50,000 |
No online price for this driver: 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); 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 has no online price for this car model yet); 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$901.30 | +S$135.20 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,056.17 | +S$290.07 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$842.70 | +S$76.60 |
Why this driver pays this
- The Traffic Police's Certificate of Merit, for three years without a traffic offence, earns a small discount at some insurers. On this car the lowest price is 5% less than what the same driver without one pays (S$806.41).
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Caldina GT-FOUR has a 1,998cc engine.
- 13 insurers do not quote this driver online on this car: 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); 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 has no online price for this car model yet); 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$766.10 | HL Assurance |
| A week ago 5 Nov 2026 | S$766.10 | HL Assurance |
The Toyota Caldina GT-FOUR
- Priced as a Toyota Caldina GT-FOUR 2.0 (1,998cc), registered 3 years ago.
- With a 1,998cc engine, above 1,600cc, the Toyota Caldina GT-FOUR 2.0 needs a Category B COE (S$132,334 in the November 2026, 1st round).
- Road tax: about S$1,209.76 a year for a 1,998cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the Toyota Caldina GT-FOUR is the 485th cheapest of 995 car models to insure. Among 237 cars of 1,601cc to 2,000cc it is 57th cheapest, 9% less than the middle price of S$840.89.
- Toyota Caldina GT-FOUR review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| BMW 5 Series | S$792.38 | ECICS |
| BMW X3 | S$808.55 | ECICS |
| Mazda CX-5 | S$808.55 | ECICS |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| Mercedes-Benz GLC | S$886.76 | HL Assurance |
| Lexus RX | S$921.75 | ECICS |
| Lexus NX | S$939.85 | Etiqa |
| BMW 3 Series | S$950.38 | HL Assurance |
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 Caldina GT-FOUR 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
- ERGO, SMART Comprehensive: https://shentonbrokers.com/go/buy/car/ergo/smart?brand=toyota&model=toyota-caldina-gt-four-2-0&ncd=50&licenceYears=15&ncdProtector=no®Date=2023-11-12&demeritFree=yes&claims=no&dob=1981-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=yes&offPeak=no&workshop=authorised
Questions people ask
How much is Toyota Caldina GT-FOUR insurance for a driver with a Certificate of Merit?
From S$766.10 a year today at HL Assurance, up to S$1,293.14 at ERGO, across the 3 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit, on a 3-year-old Toyota Caldina GT-FOUR 2.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 5% less than the S$806.41 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Caldina GT-FOUR.
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 driver with a Certificate of Merit for a Toyota Caldina GT-FOUR online?
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); 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 has no online price for this car model yet); 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.