Typical car insurance quotes
Volvo S40 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 Volvo S40 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 Volvo S40 driven by a 28-year-old with a 10% NCD is S$2,106.71 a year (GST included) at Sompo, Comprehensive Cover – Authorised Workshop Plan; 8 insurers quote this driver online, up to S$5,146.71 at UOI.
- 8 insurers quote this driver online; 6 do not.
- That is 2.5 times what a 40-year-old with a 50% NCD and no claims pays for the same car (S$844.94).
Insurer by insurer
| Insurer | Premium | Excess |
|---|---|---|
| SompoComprehensive Cover – Authorised Workshop Plan | S$2,106.71 | S$600.00 |
| Great EasternDrive and Save Plus Comprehensive (Authorised Workshop) | S$2,394.10 | S$600.00 |
| India InternationalComprehensive (any workshop or authorised workshops) | S$2,802.52 | S$600.00 |
| HL AssuranceCar Protect360 Comprehensive | S$2,968.43 | S$1,200.00 |
| ECICSComprehensive | S$3,396.73 | S$750.00 |
| MS First CapitalComprehensive | S$3,467.86 | S$500.00 |
| LibertyComprehensive Preferred Plan | S$4,089.38 | S$600.00 |
| UOIUniCar Comprehensive Value | S$5,146.71 | S$500.00 |
No online price for this driver: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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$2,528.03 | +S$421.32 |
| Third party, fire and theftNo cover for damage to your own car in an accident you cause. | S$1,522.88 | −S$583.83 |
| Next year, with a 20% NCDAfter a year with no claim, at today's prices. | S$1,967.41 | −S$139.30 |
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 2.5 times what a 40-year-old with a 50% NCD pays (S$844.94).
- The car matters too: insurers group models by value, repair costs and claims; the Volvo S40 has a 1,798cc engine.
- 6 insurers do not quote this driver online on this car: AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (This insurer has no online price for this car model yet).
Price history
Since 27 Oct 2026 the lowest price is unchanged, and Sompo has been cheapest throughout.
The Volvo S40
- Priced as a Volvo S40 1.8 (1,798cc), registered 3 years ago.
- With a 1,798cc engine, above 1,600cc, the Volvo S40 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 28-year-old with a 10% NCD, the Volvo S40 is the 287th cheapest of 590 car models to insure. Among 164 cars of 1,601cc to 2,000cc it is 39th cheapest, 7% less than the middle price of S$2,272.17.
- Volvo S40 review: list price, COE, road tax and insurance.
| Car | Lowest price | Cheapest insurer |
|---|---|---|
| Toyota Corolla Altis | S$1,887.56 | Sompo |
| Kia Cerato | S$1,972.53 | Sompo |
| Mercedes-Benz E-Class | S$2,016.17 | Sompo |
| Hyundai Avante | S$2,024.87 | India International |
| Toyota Voxy | S$2,133.13 | Sompo |
| Toyota Harrier | S$2,229.86 | QBE |
| Hyundai Kona | S$2,269.48 | Sompo |
| BMW 5 Series | S$2,654.02 | Sompo |
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 Volvo S40 for every driver · Other cars for this driver · Compare with your own details.
Questions people ask
How much is Volvo S40 insurance for a 28-year-old with a 10% NCD?
From S$2,106.71 a year today at Sompo, up to S$5,146.71 at UOI, across the 8 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 Volvo S40 1.8, private use, comprehensive cover, repairs at an authorised workshop.
How does that compare with a typical driver?
The lowest price is 2.5 times the S$844.94 a 40-year-old with a 50% NCD and no claims pays for the same Volvo S40.
What would lower the price?
Next year, with a 20% NCD: the lowest price becomes S$1,967.41, S$139.30 less than today's S$2,106.71. 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 Volvo S40 online?
AIG (This insurer has no online price for this car model yet); Allianz (This insurer has no online price for this car model yet); ERGO (This insurer has no online price for this car model yet); Etiqa (This insurer has no online price for this car model yet); QBE (This insurer has no online price for this car model yet); Singlife (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.