Typical car insurance quotes
Toyota Ractis insurance for a 40-year-old with a 50% NCD
Every insurer's price today for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Toyota Ractis 1.3, 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 Ractis driven by a 40-year-old with a 50% NCD is S$586.41 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 8 insurers quote this driver online, up to S$1,110.75 at Liberty.
- 8 insurers quote this driver online; 6 do not.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$586.41 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$653.50 | S$1,200.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$700.84 | S$2,500.00 |
| MS First CapitalComprehensive | S$732.08 | S$500.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$774.43 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$844.28 | S$600.00 |
| ECICSComprehensive | S$956.90 | S$750.00 |
| LibertyComprehensive Preferred Plan | S$1,110.75 | S$600.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
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$651.56 | +S$65.15 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$490.50 | −S$95.91 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$645.05 | +S$58.64 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Ractis has a 1,296cc engine.
- 6 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Toyota Ractis
- Priced as a Toyota Ractis 1.3 (1,296cc), registered 3 years ago.
- With a 1,296cc engine, the Toyota Ractis 1.3 needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.
- Road tax: about S$564.60 a year for a 1,296cc engine, before any surcharge for a car over 10 years old.
- For a 40-year-old with a 50% NCD, the Toyota Ractis is the 38th cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 38th cheapest, 11% less than the middle price of S$660.69.
- Toyota Ractis review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Nissan Qashqai | S$590.12 | India International |
| Nissan Kicks e-Power | S$590.12 | India International |
| Honda Jazz / Fit | S$622.34 | India International |
| Mercedes-Benz GLB | S$664.09 | Allianz |
| Mercedes-Benz GLA | S$664.09 | Allianz |
| Mercedes-Benz A-Class | S$755.55 | ERGO |
| Audi A3 | S$776.66 | MS First Capital |
| Audi Q3 | S$787.96 | India International |
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 Ractis for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Ractis insurance for a 40-year-old with a 50% NCD?
From S$586.41 a year today at India International, up to S$1,110.75 at Liberty, across the 8 insurers that quote this driver online. That is for a driver aged 40, married, driving 10 years, a 50% no-claim discount, on a 3-year-old Toyota Ractis 1.3, private use, comprehensive cover, repairs at an authorised workshop.
Has the price changed?
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
Which insurers do not quote a 40-year-old with a 50% NCD for a Toyota Ractis online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet); UOI (This insurer has no online price for this car model yet).
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.