Typical car insurance quotes
Toyota RAV4 insurance for a 28-year-old with a 10% NCD
Every insurer's price today for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Toyota RAV4 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 RAV4 driven by a 28-year-old with a 10% NCD is S$2,216.71 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 12 insurers quote this driver online, up to S$5,543.11 at UOI.
- 12 insurers quote this driver online; 2 do not.
- That is 2.9 times 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 |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,216.71 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,489.84 | S$600.00 |
| SinglifeMotor Lite | S$2,563.17 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,611.75 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$2,773.72 | S$3,000.00 |
| ERGOSMART Comprehensive | S$2,812.46 | S$500.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$2,908.47 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$3,064.87 | S$1,200.00 |
| AllianzAllianz Motor Protect Comprehensive | S$3,068.86 | S$2,000.00 |
| LibertyComprehensive Preferred Plan | S$3,244.52 | S$600.00 |
| MS First CapitalComprehensive | S$3,789.41 | S$500.00 |
| UOIUniCar Comprehensive Value | S$5,543.11 | S$500.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); 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$2,660.03 | +S$443.32 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,602.40 | −S$614.31 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$1,799.88 | −S$416.83 |
Why this driver pays this
- The no-claim discount comes off the premium: 10% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.9 times 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 RAV4 has a 2,362cc engine.
- 2 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); ECICS (ECICS does not list this model on its online quote).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Toyota RAV4
- Priced as a Toyota RAV4 2.4 (2,362cc), registered 3 years ago.
- With a 2,362cc engine, above 1,600cc, the Toyota RAV4 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 28-year-old with a 10% NCD, the Toyota RAV4 is the 362nd cheapest of 590 car models to insure. Among 97 cars above 2,000cc it is 26th cheapest, 8% less than the middle price of S$2,412.75.
- Toyota RAV4 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Odyssey | S$2,031.56 | Sompo |
| Chevrolet Malibu | S$2,290.74 | Sompo |
| Mitsubishi Outlander | S$2,385.57 | Sompo |
| Ford Kuga Titanium | S$2,408.56 | Sompo |
| Chevrolet Captiva | S$2,473.99 | Sompo |
| Ford Focus ST | S$2,755.28 | Allianz |
| Audi RS 3 Sedan | S$3,194.95 | Great Eastern |
| Audi RS 3 Sportback | S$3,194.95 | 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 RAV4 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota RAV4 insurance for a 28-year-old with a 10% NCD?
From S$2,216.71 a year today at Sompo, up to S$5,543.11 at UOI, across the 12 insurers that quote this driver online. That is for a driver aged 28, single, driving 2 years, a 10% no-claim discount, on a 3-year-old Toyota RAV4 2.4, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.9 times the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Toyota RAV4.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$1,799.88, S$416.83 less than today's S$2,216.71. 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 28-year-old with a 10% NCD for a Toyota RAV4 online?
AIG (This insurer has no online price for this car model yet); 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.