Typical car insurance quotes
Toyota Esquire insurance for a driver with demerit points
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Toyota Esquire Hybrid 1.8 GI, 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 Esquire driven by a driver with demerit points is S$755.10 a year (GST included) at HL Assurance, Car Protect360 Comprehensive; 13 insurers quote this driver online, up to S$1,506.70 at Liberty.
- 13 insurers quote this driver online; 1 do not.
- That is about the same as what a 40-year-old with a 50% NCD and no claims pays for the same car (S$755.10).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| HL AssuranceCar Protect360 Comprehensive | S$755.10 | S$1,200.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$835.53 | S$600.00 |
| MS First CapitalComprehensive | S$900.37 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$981.70 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$985.75 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$987.82 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$994.28 | S$2,500.00 |
| AIGAIG Car Insurance Collision Only | S$1,006.70 | S$600.00 |
| SinglifeMotor Lite | S$1,086.54 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,116.20 | S$500.00 |
| ERGOSMART Comprehensive | S$1,319.39 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,413.23 | S$3,000.00 |
| LibertyComprehensive Preferred Plan | S$1,506.70 | S$600.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote).
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$888.35 | +S$133.25 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$650.24 | −S$104.86 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$830.61 | +S$75.51 |
Why this driver pays this
- Demerit points on the licence are a loading at some insurers and a reason to decline at others. On this car the lowest price is about the same as what the same driver with none pays (S$755.10).
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Esquire has a 1,797cc engine.
- 1 insurer does not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
The Toyota Esquire
- Priced as a Toyota Esquire Hybrid 1.8 GI (1,797cc), registered 3 years ago.
- With a 1,797cc engine, above 1,600cc, the Toyota Esquire Hybrid 1.8 GI needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$973.98 a year for a 1,797cc engine, before any surcharge for a car over 10 years old.
- For a driver with demerit points, the Toyota Esquire is the 224th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 2nd cheapest, 15% less than the middle price of S$889.31.
- Toyota Esquire review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Hyundai Avante | S$655.09 | India International |
| Kia Cerato | S$695.47 | India International |
| Hyundai Kona | S$759.57 | India International |
| Mercedes-Benz E-Class | S$906.36 | India International |
| BMW 5 Series | S$906.36 | India International |
| Mercedes-Benz GLC | S$933.43 | HL Assurance |
| Lexus RX | S$1,022.32 | HL Assurance |
| Lexus NX | S$1,023.58 | Etiqa |
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 Esquire for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Esquire insurance for a driver with demerit points?
From S$755.10 a year today at HL Assurance, up to S$1,506.70 at Liberty, across the 13 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, some demerit points, on a 3-year-old Toyota Esquire Hybrid 1.8 GI, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$755.10 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Esquire.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and HL Assurance has been cheapest throughout.
Which insurers do not quote a driver with demerit points for a Toyota Esquire online?
ECICS (ECICS does not list this model on its online quote).
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.