Typical car insurance quotes
Toyota Sienta insurance for a 45-year-old with a 50% NCD
Every insurer's price today for a driver aged 45, married, driving 15 years, a 50% no-claim discount, on a 3-year-old Toyota Sienta, 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 Sienta driven by a 45-year-old with a 50% NCD is S$604.07 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$1,359.67 at QBE.
- 14 insurers quote this driver online.
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$604.07 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$674.30 | S$1,200.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$742.65 | S$2,500.00 |
| MS First CapitalComprehensive | S$754.04 | S$500.00 |
| AIGAIG Car Insurance Collision Only | S$836.59 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$843.04 | S$2,000.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$852.28 | S$600.00 |
| ECICSComprehensive | S$856.18 | S$750.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$858.15 | S$600.00 |
| ERGOSMART Comprehensive | S$876.76 | S$500.00 |
| SinglifeMotor Lite | S$979.06 | S$3,000.00 |
| UOIUniCar Comprehensive Value | S$1,036.52 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,116.57 | S$600.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,359.67 | S$3,000.00 |
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$671.19 | +S$67.12 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$490.50 | −S$113.57 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$664.47 | +S$60.40 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Toyota Sienta has a 1,496cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Toyota Sienta
- Priced as a Toyota Sienta (1,496cc), registered 3 years ago.
- With a 1,496cc engine, the Toyota Sienta 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$681.90 a year for a 1,496cc engine, before any surcharge for a car over 10 years old.
- For a 45-year-old with a 50% NCD, the Toyota Sienta is the 63rd cheapest of 590 car models to insure. Among 311 cars up to 1,600cc it is 63rd cheapest, 9% less than the middle price of S$660.69.
- Toyota Sienta review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Honda Freed | S$642.42 | India International |
| Honda HR-V | S$642.42 | India International |
| Mercedes-Benz GLB | S$660.13 | Allianz |
| Hyundai Kona | S$721.59 | India International |
| Mercedes-Benz C-Class | S$725.34 | Etiqa |
| Mazda 3 | S$730.18 | HL Assurance |
| Honda Vezel | S$769.79 | Allianz |
| BMW X1 | S$797.41 | ECICS |
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 Sienta for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Toyota Sienta insurance for a 45-year-old with a 50% NCD?
From S$604.07 a year today at India International, up to S$1,359.67 at QBE, across the 14 insurers that quote this driver online. That is for a driver aged 45, married, driving 15 years, a 50% no-claim discount, on a 3-year-old Toyota Sienta, 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.
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.