Volvo car insurance
Volvo S40 insurance quotes by driver
What the Volvo S40 costs to insure today for 31 typical drivers, on a 3-year-old Volvo S40 1.8, private use, comprehensive cover, repairs at an authorised workshop.
Prices as of 28 Oct 2026, GST included.
In short
- A settled driver (40, 50% NCD, no claims) pays from S$844.94 a year.
- A 25-year-old new driver pays from S$3,146.25, 3.7 times the settled driver's price.
- One S$5,000 claim takes the price to S$1,746.56, 2.1 times the settled driver's price.
- Online prices here run from age 21 to 78; some drivers get no online price at all.
Driver by driver
| Driver | Lowest | Typical | Insurers |
|---|---|---|---|
| 21, new driveraged 21, single, driving 1 year, no no-claim discount; cheapest Sompo | S$4,231.16 | S$6,380.83 | 4 |
| 23, new driveraged 23, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,648.64 | S$6,795.35 | 5 |
| 25, new driveraged 25, single, driving 1 year, no no-claim discount; cheapest Sompo | S$3,146.25 | S$6,003.05 | 5 |
| 27, new driveraged 27, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,646.72 | S$5,178.34 | 5 |
| 28, 10% NCDaged 28, single, driving 2 years, a 10% no-claim discount; cheapest Sompo | S$2,106.71 | S$3,182.58 | 8 |
| 30, new driveraged 30, single, driving 1 year, no no-claim discount; cheapest Sompo | S$2,282.35 | S$3,403.48 | 5 |
| 30, 20% NCDaged 30, single, driving 3 years, a 20% no-claim discount; cheapest India International | S$1,746.56 | S$2,187.48 | 8 |
| 30, 50% NCDaged 30, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$1,037.02 | S$1,263.65 | 8 |
| 30, woman, 50% NCDaged 30, female, single, driving 6 years, a 50% no-claim discount; cheapest India International | S$1,037.02 | S$1,263.65 | 8 |
| 35, 30% NCDaged 35, married, driving 4 years, a 30% no-claim discount; cheapest India International | S$1,205.45 | S$1,638.47 | 8 |
| 35, 50% NCDaged 35, married, driving 10 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,155.99 | 8 |
| 40, 50% NCDaged 40, married, driving 10 years, a 50% no-claim discount; cheapest HL Assurance | S$844.94 | S$1,022.75 | 8 |
| 40, woman, 50% NCDaged 40, female, married, driving 10 years, a 50% no-claim discount; cheapest HL Assurance | S$802.70 | S$1,022.75 | 8 |
| 40, after one claimaged 40, married, driving 10 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,746.56 | S$2,201.00 | 5 |
| 40, after two claimsaged 40, married, driving 10 years, two claims totalling S$10,000 in the last 3 years, no NCD left; cheapest India International | S$3,207.49 | S$3,379.10 | 3 |
| 40, outdoor workaged 40, married, outdoor work (driving, site or field work), driving 10 years, a 50% no-claim discount; cheapest Sompo | S$926.81 | S$1,050.41 | 8 |
| 40, demerit pointsaged 40, married, driving 10 years, a 50% no-claim discount, some demerit points; cheapest HL Assurance | S$844.94 | S$1,022.75 | 8 |
| 40, new driveraged 40, married, driving 1 year, no no-claim discount; cheapest Sompo | S$1,811.82 | S$2,593.81 | 5 |
| 45, 50% NCDaged 45, married, driving 15 years, a 50% no-claim discount; cheapest HL Assurance | S$844.95 | S$1,014.17 | 8 |
| 45, Certificate of Meritaged 45, married, driving 15 years, a 50% no-claim discount, the Traffic Police's Certificate of Merit; cheapest HL Assurance | S$802.70 | S$1,014.17 | 8 |
| 50, 50% NCDaged 50, married, driving 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,051.68 | 8 |
| 55, 50% NCDaged 55, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,114.37 | 8 |
| 60, 50% NCDaged 60, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,131.13 | 8 |
| 60, woman, 50% NCDaged 60, female, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,131.13 | 8 |
| 65, 50% NCDaged 65, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$861.03 | S$1,271.93 | 7 |
| 65, after one claimaged 65, married, driving more than 20 years, one S$5,000 claim in the last 3 years, NCD down to 20%; cheapest India International | S$1,746.56 | S$2,476.96 | 5 |
| 70, 50% NCDaged 70, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$947.14 | S$1,397.34 | 6 |
| 72, 50% NCDaged 72, married, driving more than 20 years, a 50% no-claim discount; cheapest India International | S$947.14 | S$1,498.05 | 3 |
| 75, 50% NCDaged 75, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,498.05 | S$1,763.69 | 2 |
| 78, 50% NCDaged 78, married, driving more than 20 years, a 50% no-claim discount; cheapest MS First Capital | S$1,634.24 | S$1,634.24 | 1 |
| 80, 50% NCDaged 80, married, driving more than 20 years, a 50% no-claim discount | No online price | 0 |
Budget Direct, DirectAsia, FWD, Income quote live on our results page with your own answers, so they are not counted here. Every plan for the Volvo S40 · This table as CSV · Compare with your own details.
Questions people ask
How much is Volvo S40 insurance in Singapore?
From S$844.94 a year today for a driver aged 40 with 10 years' driving and a 50% NCD, on a 3-year-old Volvo S40 1.8, private use, comprehensive cover, repairs at an authorised workshop. Young and new drivers, and drivers with claims, pay more: see the table for 31 drivers.
How much is Volvo S40 insurance for a new driver?
For a 25-year-old in their first year of driving with no NCD, from S$3,146.25 a year today at Sompo, 3.7 times the price for a settled driver with a 50% NCD. 5 insurers quote this driver online, against 8 for the settled driver.
How much more is Volvo S40 insurance after a claim?
After one S$5,000 claim, with the NCD cut from 50% to 20%, the lowest price today is S$1,746.56, 2.1 times the S$844.94 with no claims.
Does a new driver aged 40 pay less than a young new driver for a Volvo S40?
Yes, today: S$1,811.82 a year at 40 against S$3,146.25 at 25, both in their first year with no NCD.
Which insurer is cheapest for a Volvo S40?
India International is cheapest for 15 of the 30 drivers here today. Which insurer is cheapest depends on the driver, so compare with your own details.