Typical car insurance quotes
Toyota Harrier insurance for a 40-year-old new driver
Every insurer's price today for a driver aged 40, married, driving 1 year, no no-claim discount, on a 3-year-old Toyota Harrier 2.0 E Panoramic, 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 Harrier driven by a 40-year-old new driver is S$1,997.20 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 9 insurers quote this driver online, up to S$3,632.00 at MS First Capital.
- 9 insurers quote this driver online; 5 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,997.20 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,179.85 | S$2,500.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,183.19 | S$600.00 |
| SinglifeMotor Lite | S$2,461.05 | S$3,000.00 |
| AllianzAllianz Motor Protect Comprehensive | S$2,570.76 | S$2,000.00 |
| UOIUniCar Comprehensive Value | S$2,724.78 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$3,050.42 | S$600.00 |
| LibertyComprehensive Preferred Plan | S$3,582.27 | S$600.00 |
| MS First CapitalComprehensive | S$3,632.00 | S$500.00 |
No online price for this driver: ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience).
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$2,396.62 | +S$399.42 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,443.75 | −S$553.45 |
| Next year, with a 10% NCDAfter a year with no claim, at today's prices. | S$1,711.94 | −S$285.26 |
Why this driver pays this
- A driver in the first year of driving has no record to go on, so insurers charge a new-driver loading and there is no no-claim discount to take off.
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Harrier has a 1,986cc engine.
- 5 insurers do not quote this driver online on this car: ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Toyota Harrier
- Priced as a Toyota Harrier 2.0 E Panoramic (1,986cc), registered 3 years ago.
- With a 1,986cc engine, above 1,600cc, the Toyota Harrier 2.0 E Panoramic needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,195.68 a year for a 1,986cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old new driver, the Toyota Harrier is the 388th cheapest of 588 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 85th cheapest, about the same as the middle price of S$1,995.21.
- Toyota Harrier review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Mercedes-Benz E-Class | S$1,733.95 | Sompo |
| Mercedes-Benz GLC | S$1,896.52 | Sompo |
| Lexus NX | S$1,996.35 | Sompo |
| Mazda CX-5 | S$1,997.20 | Sompo |
| BMW 3 Series | S$2,075.01 | Sompo |
| Lexus RX | S$2,153.21 | Sompo |
| BMW X3 | S$2,269.53 | Sompo |
| BMW 5 Series | S$2,282.51 | Sompo |
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 Harrier for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Harrier insurance for a 40-year-old new driver?
From S$1,997.20 a year today at Sompo, up to S$3,632.00 at MS First Capital, across the 9 insurers that quote this driver online. That is for a driver aged 40, married, driving 1 year, no no-claim discount, on a 3-year-old Toyota Harrier 2.0 E Panoramic, private use, comprehensive cover, repairs at an authorised workshop.
What would lower the price?
Next year, with a 10% NCD: the lowest price becomes S$1,711.94, S$285.26 less than today's S$1,997.20. After a year with no claim, at today's prices.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
Which insurers do not quote a 40-year-old new driver for a Toyota Harrier online?
ECICS (ECICS quotes drivers with at least 2 years of driving experience online); ERGO (This insurer's online price is for drivers with at least 2 years of driving experience); Great Eastern (This insurer's online price is for drivers with at least 2 years of driving experience); HL Assurance (HL Assurance asks for at least 2 years of driving licence online); QBE (This insurer's online price is for drivers with at least 2 years of driving experience).
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.