For a car that has left the new-car list, the BMW 428i Gran Coupe has a crowded insurance page. Twelve insurers quote it online, with 19 plans between them. This guide walks through that price ladder, then road tax and the COE.
Premiums are examples for one stated driver, as of 1 November 2026. They show where prices sit. Your own will depend on you.
About the car priced
There is no entry for the 428i Gran Coupe on the new-car list today. That means no list price, power or body type to give.
The price page prices the BMW 428i Gran Coupe, 1,997cc. The quote form lists only this version.
The standard driver behind the prices
The BMW 428i Gran Coupe price page uses one profile:
- A driver aged 40, married, in an office job, with 10 years' driving
- A 50% no-claim discount (NCD) and no claims
- A car registered 3 years ago, for private use, with comprehensive cover
- Repairs at an authorised workshop and no options
The price ladder, bottom to top
For that driver, 12 insurers price the car. The page lists 7 more with no online price, so 12 of 19 quote it. All prices include 9% GST.
At the bottom. The lowest premium is S$1,050.13 a year. Two more sit just above it, at S$1,061.44 and S$1,067.30.
In the middle. A large group runs from S$1,171.31 to S$1,853.85. This is where most plans sit.
At the top. Prices climb from S$2,199.77 up to S$3,142.27 for one plan. The dearest insurer's starting price is S$3,646.25. That is S$2,596.12 more than the lowest, or 247% on top.
With a gap that wide, two quotes for the same car can differ by thousands of dollars.
The excess on each rung
The excess is your share of each claim. It varies more than the premium does:
- S$5,000: two plans, including the third-lowest premium
- S$3,000: one plan in the upper middle
- S$2,500: the dearest insurer's plan
- S$1,200: the lowest premium
- S$750: one plan, named for that excess
- S$600: several plans, including the second-lowest
- S$500: three plans
- S$300: three plans near the top
- S$0: one plan
So the three lowest premiums carry S$1,200, S$600 and S$5,000. They differ by under twenty dollars in premium. In a claim, the difference could run to thousands. Read each excess beside its premium.
When the driver or car is different
The page shows the lowest price as one thing changes:
- No NCD (0%): S$2,075.01, which is S$1,024.88 more
- 20% NCD: S$1,661.03, S$610.90 more
- Driver aged 27, 3 years' driving, 30% NCD: S$2,170.79, S$1,120.66 more
- Driver aged 65, 20 years' driving: S$1,159.93, S$109.80 more, with 11 insurers
- A new car, registered this year: S$1,093.38, S$43.25 more, with 11 insurers
- A car 8 years old: S$1,006.30, S$43.83 less
The young driver pays most, at 107% more than the standard driver. The NCD is the next biggest factor. The car's age moves the price only a little, and all 12 insurers still quote at 8 years.
Compared with similar cars
The price page sets it beside six two-litre cars, for the same driver and car age:
- Toyota Harrier: S$763, 15 insurers
- Toyota Voxy: S$763.41, 14 insurers
- Mercedes-Benz E-Class: S$857.06, 14 insurers
- Lexus RX: S$921.75, 15 insurers
- Mercedes-Benz GLC: S$925.60, 15 insurers
- Lexus NX: S$970.26, 15 insurers
Their average lowest price is S$866.85. The 428i Gran Coupe costs 21% more. All six are cheaper to insure, though the gap to the dearest of them is small. Other BMW models are on the BMW car insurance page.
Road tax and the COE
Road tax. For 1,997cc, LTA's formula gives S$1,208.58 a year before any age surcharge. The surcharge starts at +10% for cars over 10 years. It climbs to +20%, +30% and +40%, reaching +50% over 14 years. Many 428i Gran Coupes on the road now may be nearing those bands, so check the registration date. The road tax page has the formula.
COE. The price page says this car needs a Category B COE, as its engine is above 1,600cc. Category B closed at S$131,901 in the October 2026 2nd round. A car on the road carries the COE it already has. When it ends, the owner renews or deregisters. The COE page shows later results.
Costs you control
- Parking: season parking where you live and work, and short-term parking elsewhere.
- Petrol: depends on your mileage and pump prices.
- ERP: depends on your routes and timing.
- Servicing and wear: for an older car, ask what has been replaced, such as the battery, tyres and brakes.
- Depreciation: turns on what you pay and how much COE is left.
Summary of yearly costs we can show
For the BMW 428i Gran Coupe, 1,997cc:
- Road tax: S$1,208.58 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,050.13 a year (as of 1 November 2026)
- Insurance, no NCD: from S$2,075.01
- Insurance, driver aged 65: from S$1,159.93
- Insurance, a car 8 years old: from S$1,006.30
For reference, a Category B COE closed at S$131,901 in the October 2026 2nd round. There is no list price, since the new-car list has no entry for this model.
Before you buy: car insurance for the BMW 428i Gran Coupe
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW 428i Gran Coupe to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.