Typical car insurance quotes
Toyota Estima insurance for a 40-year-old who works outdoors
Every insurer's price today for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% 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 40-year-old who works outdoors is S$865.58 a year (GST included) at AIG, AIG Car Insurance Collision Only; 14 insurers quote this driver online, up to S$1,355.16 at Liberty.
- 14 insurers quote this driver online.
- That is 13% 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 |
|---|---|---|
| AIGAIG Car Insurance Collision Only | S$865.58 | S$600.00 |
| ERGOSMART Comprehensive | S$865.81 | S$500.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$886.61 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$893.75 | S$600.00 |
| ECICSComprehensive | S$906.03 | S$750.00 |
| HL AssuranceCar Protect360 Comprehensive | S$968.36 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,012.84 | S$2,000.00 |
| SinglifeMotor Lite | S$1,079.46 | S$3,000.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,086.68 | S$2,500.00 |
| MS First CapitalComprehensive | S$1,140.54 | S$500.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,269.02 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,294.61 | S$500.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,310.08 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$1,355.16 | 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$985.12 | +S$119.54 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$646.08 | −S$219.50 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$865.81 | +S$0.23 |
Why this driver pays this
- Some insurers load drivers whose work is outdoors (driving, site or field work), who are on the road more. On this car the lowest price is 13% more than what the same driver with an office job 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 AIG 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 40-year-old who works outdoors, the Toyota Estima is the 381st cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 20th cheapest, 11% less than the middle price of S$975.27.
- Toyota Estima review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Odyssey | S$863.88 | ECICS |
| Chevrolet Captiva | S$886.61 | India International |
| Chevrolet Malibu | S$886.61 | India International |
| Mitsubishi Outlander | S$979.77 | ECICS |
| Ford Focus ST | S$1,000.28 | Allianz |
| Ford Kuga Titanium | S$1,017.60 | Allianz |
| Audi RS 3 Sedan | S$1,310.08 | Great Eastern |
| Audi RS 3 Sportback | S$1,310.08 | 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 40-year-old who works outdoors?
From S$865.58 a year today at AIG, up to S$1,355.16 at Liberty, across the 14 insurers that quote this driver online. That is for a driver aged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% 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 13% more than the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Toyota Estima.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and AIG 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.