Typical car insurance quotes
Volkswagen Passat insurance for a 30-year-old with a 20% NCD
Every insurer's price today for a driver aged 30, single, driving 3 years, a 20% no-claim discount, on a 3-year-old Volkswagen Passat 1.8, 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 Volkswagen Passat driven by a 30-year-old with a 20% NCD is S$1,746.56 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 14 insurers quote this driver online, up to S$3,456.58 at QBE.
- 14 insurers quote this driver online.
- That is 2.1 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$819.82).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$1,746.56 | S$600.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,891.99 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$1,899.89 | S$2,500.00 |
| ECICSComprehensive | S$2,013.15 | S$750.00 |
| MS First CapitalComprehensive | S$2,162.01 | S$500.00 |
| SinglifeMotor Lite | S$2,165.58 | S$3,000.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,195.61 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$2,404.59 | S$1,200.00 |
| AIGAIG Car Insurance Collision Only | S$2,712.21 | S$600.00 |
| UOIUniCar Comprehensive Value | S$2,722.70 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$2,898.35 | S$600.00 |
| ERGOSMART Comprehensive | S$2,980.54 | S$500.00 |
| AllianzAllianz Motor Protect Comprehensive | S$3,130.09 | S$2,000.00 |
| QBEPrivate Motor Prestige Comprehensive | S$3,456.58 | S$3,000.00 |
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$1,940.61 | +S$194.05 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,310.46 | −S$436.10 |
| Next year, with a 30% NCDAfter a year with no claim, at today's prices. | S$1,451.83 | −S$294.73 |
Why this driver pays this
- The no-claim discount comes off the premium: 20% now, rising a step each year without a claim to 50% after five years. On this car the lowest price is 2.1 times what a 40-year-old with a 50% NCD pays (S$819.82).
- The car matters too: insurers group models by value, repair costs and claims; the Volkswagen Passat has a 1,798cc engine.
Price history
Since 27 Oct 2026 the lowest price is unchanged, and India International has been cheapest throughout.
The Volkswagen Passat
- Priced as a Volkswagen Passat 1.8 (1,798cc), registered 3 years ago.
- With a 1,798cc engine, above 1,600cc, the Volkswagen Passat 1.8 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$975.16 a year for a 1,798cc engine, before any surcharge for a car over 10 years old.
- For a 30-year-old with a 20% NCD, the Volkswagen Passat is the 373rd cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 62nd cheapest, 3% less than the middle price of S$1,799.64.
- Volkswagen Passat review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Hyundai Avante | S$1,215.31 | India International |
| Toyota Corolla Altis | S$1,251.21 | India International |
| Kia Cerato | S$1,288.12 | India International |
| Hyundai Kona | S$1,408.12 | India International |
| Toyota Harrier | S$1,450.17 | India International |
| Toyota Voxy | S$1,548.93 | India International |
| Mercedes-Benz E-Class | S$1,746.56 | India International |
| BMW 5 Series | S$1,746.56 | 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 Volkswagen Passat for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Volkswagen Passat insurance for a 30-year-old with a 20% NCD?
From S$1,746.56 a year today at India International, up to S$3,456.58 at QBE, across the 14 insurers that quote this driver online. That is for a driver aged 30, single, driving 3 years, a 20% no-claim discount, on a 3-year-old Volkswagen Passat 1.8, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.1 times the S$819.82 a 40-year-old with a 50% NCD and no claims pays for the same Volkswagen Passat.
What would lower the price?
Next year, with a 30% NCD: the lowest price becomes S$1,451.83, S$294.73 less than today's S$1,746.56. After a year with no claim, at today's prices.
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.