Typical car insurance quotes
Toyota Camry 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 Camry Hybrid 2.5 Ascent, 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 Camry driven by a driver with a Certificate of Merit is S$828.77 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 14 insurers quote this driver online, up to S$1,548.67 at QBE.
- 14 insurers quote this driver online.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$828.77 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$841.31 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$943.28 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$983.39 | S$2,500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$989.68 | S$2,000.00 |
| ERGOSMART Comprehensive | S$990.45 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$995.74 | S$600.00 |
| SinglifeMotor Lite | S$1,091.21 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,123.76 | S$600.00 |
| MS First CapitalComprehensive | S$1,140.56 | S$500.00 |
| ECICSComprehensive | S$1,156.29 | S$750.00 |
| UOIUniCar Comprehensive Value | S$1,262.38 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,470.39 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,548.67 | S$3,000.00 |
See this quote on the results page, with every plan and filter.
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$934.78 | +S$106.01 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$655.69 | −S$173.08 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$911.65 | +S$82.88 |
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.
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Camry has a 2,487cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The Toyota Camry
- Priced as a Toyota Camry Hybrid 2.5 Ascent (2,487cc), registered 3 years ago.
- With a 2,487cc engine, above 1,600cc, the Toyota Camry Hybrid 2.5 Ascent needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,783.36 a year for a 2,487cc engine, before any surcharge for a car over 10 years old.
- For a driver with a Certificate of Merit, the Toyota Camry is the 414th cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 26th cheapest, 12% less than the middle price of S$939.08.
- Toyota Camry review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Chevrolet Captiva | S$764.82 | India International |
| Chevrolet Malibu | S$764.82 | India International |
| Honda Odyssey | S$811.71 | India International |
| Mitsubishi Outlander | S$861.03 | India International |
| Ford Focus ST | S$971.21 | HL Assurance |
| Ford Kuga Titanium | S$971.21 | HL Assurance |
| Audi RS 3 Sedan | S$1,287.20 | Great Eastern |
| Audi RS 3 Sportback | S$1,287.20 | 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. The figures for every driver on this car are in a CSV file, updated daily.
The Toyota Camry for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Camry insurance for a driver with a Certificate of Merit?
From S$828.77 a year today at HL Assurance, up to S$1,548.67 at QBE, across the 14 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 Camry Hybrid 2.5 Ascent, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance 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.