The BMW M3 Touring is the estate version of the M3, with a 3.0 petrol engine. Estates are rare on Singapore roads, and so are insurers that price this one online. This guide sets out the costs we can show.
Insurance figures are examples for one stated driver, as of 1 November 2026. They help you compare. They do not stand in for your own quote.
The versions
On 2026-10-10, the new-car list showed one version: the M3 Touring 3.0 Competition M xDrive. It has a 2,993cc petrol engine rated at 523bhp. The list calls the body a Stationwagon, made in Germany.
Our quote form lists two versions, both 2,993cc:
- M3 Touring 3.0 Competition M xDrive
- M3 Touring 3.0 CS M xDrive
The insurance prices below are for the Competition M xDrive, the version most insurers quote.
List price
As listed on 2026-10-10, the Competition M xDrive was S$659,888, with COE included. COE rounds move this figure. When you have two offers, check that both include the same items before you compare.
COE for a 2,993cc car
With a 2,993cc engine, above 1,600cc, the M3 Touring needs a Category B COE. The price page gives S$131,901 in the October 2026, 2nd round. The COE page carries newer rounds.
Road tax
Road tax follows engine size. For 2,993cc, LTA's formula gives S$2,376.88 a year before any age surcharge.
From year 11 onwards, a surcharge is added:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page has other engine sizes.
Insurance on the standard details
The BMW M3 Touring price page prices one profile:
- Car: M3 Touring 3.0 Competition M xDrive, 3 years old, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
3 insurers price it, across six plans. The lowest premium is S$1,461.89 a year. The highest insurer's lowest plan is S$5,355.76, which is S$3,893.87 more, or 266% on top. All include 9% GST.
The plans fall into three groups. One insurer offers two plans, at S$1,461.89 and S$1,978.51. A second has one plan at S$3,374.77, marked as an estimate. The third offers three plans, from S$5,355.76 up to S$7,477.91.
Sixteen insurers have no online price for this model. With so few figures to compare, asking for quotes on your own details is a sensible step. A rare body style with a large engine may be rated by hand, so an online gap does not always mean no cover is offered. It does mean the online comparison is limited.
Excess against premium
The excess here runs the opposite way to the premium. The three dearest plans carry S$300. The two lowest premiums carry S$500. The estimate carries S$2,000. So you trade a lower premium for a larger share of any claim, though the gap in premium is far bigger than the gap in excess.
What the price table shows
The lowest price after one change:
- No NCD (0%): S$3,248.64, which is S$1,786.75 more
- 20% NCD: S$2,598.91, S$1,137.02 more
- Driver aged 27, 3 years' driving, 30% NCD: S$3,287.19, S$1,825.30 more
- Driver aged 65, 20 years' driving: S$1,616.20, S$154.31 more
- New car, registered this year: S$1,497.08, S$35.19 more
- Car 8 years old: S$1,464.04, S$2.15 more
A younger driver with 30% NCD costs most, at 125% above the standard driver. No NCD lands just under that. Car age hardly moves the lowest price at all.
All cases keep 3 insurers pricing. These are lowest prices only. Plans further up the list may move by more or less. The dearest plans, for instance, could respond to a young driver quite differently from the lowest one.
Against cars with similar engines
The price page compares the M3 Touring with six cars of about 3.0 litres, same driver and car age:
- Alfa Romeo 166: S$2,897.48
- Audi Roadjet Concept: S$1,524.39
- Audi Q8: S$1,323.18
- Audi S4 Saloon: S$1,209.34
- Audi A8: S$1,092.69
- Audi Q7: S$1,002.60
Their average lowest price is S$1,508.28. The M3 Touring costs 3% less than that average. Still, 4 of the 6 cost less to insure. One costly car with only 2 insurers raises the average. The BMW car insurance page shows other BMW models.
Variable costs
Some costs vary too much for one figure:
- Petrol: your distance, your routes and pump prices.
- Parking: season parking at your block or condo and at work.
- ERP: charges depend on time and place.
- Servicing and tyres: follow the maker's schedule. Performance parts may cost more to replace. Check the warranty.
- Depreciation: purchase price against value at sale, over the COE's life.
Summary of yearly costs we can show
For the BMW M3 Touring 3.0 Competition M xDrive:
- Road tax: S$2,376.88 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,461.89 a year (as of 1 November 2026)
- Insurance, no NCD: from S$3,248.64
- Insurance, driver aged 27 with 30% NCD: from S$3,287.19
- Insurance, car 8 years old: from S$1,464.04
One-off, for reference: S$659,888 as listed on 2026-10-10, and Category B COE at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the BMW M3 Touring
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BMW M3 Touring 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.