Typical car insurance quotes
Volkswagen Volkswagen Passat Variant 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 Volkswagen Volkswagen Passat Variant 2.0, 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 Volkswagen Passat Variant driven by a 45-year-old with a 50% NCD is S$764.82 a year (GST included) at India International, Comprehensive (any workshop or authorised workshops); 10 insurers quote this driver online, up to S$1,771.69 at QBE.
- 10 insurers quote this driver online; 4 do not.
- That is about the same as 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 |
|---|---|---|
| India InternationalComprehensive (any workshop or authorised workshops) | S$764.82 | S$600.00 |
| AIGAIG Car Insurance Collision Only | S$833.00 | S$600.00 |
| EtiqaPrivate Car Insurance – Comprehensive (Authorised Workshop) | S$946.96 | S$2,500.00 |
| HL AssuranceCar Protect360 Comprehensive | S$949.86 | S$1,200.00 |
| SompoComprehensive Cover – Authorised Workshop Plan | S$1,036.56 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$1,233.57 | S$600.00 |
| ERGOSMART Comprehensive | S$1,321.26 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$1,381.20 | S$600.00 |
| AllianzAllianz Motor Protect Comprehensive | S$1,394.70 | S$2,000.00 |
| QBEPrivate Motor Prestige Comprehensive | S$1,771.69 | S$3,000.00 |
No online price for this driver: ECICS (ECICS does not list this model on its online quote); MS First Capital (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$849.81 | +S$84.99 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$596.08 | −S$168.74 |
| Add an NCD protectorKeeps the 50% NCD after one claim. | S$841.31 | +S$76.49 |
Why this driver pays this
- The car matters too: insurers group models by value, repair costs and claims; the Volkswagen Volkswagen Passat Variant has a 1,983cc engine.
- 4 insurers do not quote this driver online on this car: ECICS (ECICS does not list this model on its online quote); MS First Capital (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 Volkswagen Volkswagen Passat Variant
- Priced as a Volkswagen Volkswagen Passat Variant 2.0 (1,983cc), registered 3 years ago.
- With a 1,983cc engine, above 1,600cc, the Volkswagen Volkswagen Passat Variant 2.0 needs a Category B COE (S$131,901 in the October 2026, 2nd round).
- Road tax: about S$1,192.16 a year for a 1,983cc engine, before any surcharge for a car over 10 years old.
- For a 45-year-old with a 50% NCD, the Volkswagen Volkswagen Passat Variant is the 305th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 44th cheapest, 11% less than the middle price of S$858.82.
- Volkswagen Volkswagen Passat Variant review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Harrier | S$742.90 | India International |
| Toyota Voxy | S$763.41 | HL Assurance |
| Mercedes-Benz E-Class | S$856.72 | Etiqa |
| BMW 5 Series | S$861.03 | India International |
| Mercedes-Benz GLC | S$894.66 | Etiqa |
| Lexus NX | S$939.85 | Etiqa |
| Lexus RX | S$939.85 | Etiqa |
| BMW 3 Series | S$972.72 | AIG |
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 Volkswagen Passat Variant for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Volkswagen Volkswagen Passat Variant insurance for a 45-year-old with a 50% NCD?
From S$764.82 a year today at India International, up to S$1,771.69 at QBE, across the 10 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 Volkswagen Volkswagen Passat Variant 2.0, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is about the same as the S$764.82 a 40-year-old with a 50% NCD and no claims pays for the same Volkswagen Volkswagen Passat Variant.
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 45-year-old with a 50% NCD for a Volkswagen Volkswagen Passat Variant online?
ECICS (ECICS does not list this model on its online quote); MS First Capital (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.