Typical car insurance quotes
Toyota Estima insurance for a 35-year-old with a 30% NCD
Every insurer's price today for a driver aged 35, married, driving 4 years, a 30% no-claim discount, on a 3-year-old Toyota Estima 2.4, 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 Estima driven by a 35-year-old with a 30% NCD is S$1,070.75 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$2,214.56 at Great Eastern.
- 14 insurers quote this driver online.
- That is 40% more than 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 |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,070.75 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,262.01 | S$600.00 |
| ECICSComprehensive | S$1,392.51 | S$750.00 |
| AIGAIG Car Insurance Collision Only | S$1,419.50 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$1,428.49 | S$1,200.00 |
| ERGOSMART Comprehensive | S$1,432.03 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,435.02 | S$2,500.00 |
| SinglifeMotor Lite | S$1,449.07 | S$3,000.00 |
| MS First CapitalComprehensive | S$1,505.12 | S$500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,565.27 | S$2,000.00 |
| LibertyComprehensive Preferred Plan | S$1,605.79 | S$600.00 |
| UOIUniCar Comprehensive Value | S$1,768.39 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,861.23 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,214.56 | S$600.00 |
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$1,189.72 | +S$118.97 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$834.51 | −S$236.24 |
| Add an NCD protectorKeeps the 30% NCD after one claim. | S$1,177.83 | +S$107.08 |
| Next year, with a 40% NCDAfter a year with no claim, at today's prices. | S$917.79 | −S$152.96 |
Why this driver pays this
- The no-claim discount comes off the premium: 30% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 40% more than 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 Estima has a 2,362cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Toyota Estima
- Priced as a Toyota Estima 2.4 (2,362cc), registered 3 years ago.
- With a 2,362cc engine, above 1,600cc, the Toyota Estima 2.4 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,636.72 a year for a 2,362cc engine, before any surcharge for a car over 10 years old.
- For a 35-year-old with a 30% NCD, the Toyota Estima is the 253rd cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 8th cheapest, 27% less than the middle price of S$1,462.25.
- Toyota Estima review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Chevrolet Captiva | S$1,070.75 | India International |
| Chevrolet Malibu | S$1,070.75 | India International |
| Honda Odyssey | S$1,136.39 | India International |
| Mitsubishi Outlander | S$1,205.45 | India International |
| Ford Kuga Titanium | S$1,496.21 | Sompo |
| Ford Focus ST | S$1,545.86 | Allianz |
| Audi RS 3 Sedan | S$2,214.56 | Great Eastern |
| Audi RS 3 Sportback | S$2,214.56 | 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 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 Estima for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Estima insurance for a 35-year-old with a 30% NCD?
From S$1,070.75 a year today at India International, up to S$2,214.56 at Great Eastern, across the 14 insurers that quote this driver online. That is for a driver aged 35, married, driving 4 years, a 30% no-claim discount, on a 3-year-old Toyota Estima 2.4, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 40% more than the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Estima.
What would lower the price?
Next year, with a 40% NCD: the lowest price becomes S$917.79, S$152.96 less than today's S$1,070.75. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International 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.