Car insurance
ERGO vs Liberty car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, ERGO was cheaper on 7, Liberty on 2. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | ERGO | Liberty |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$1,219.83Comprehensive Preferred Planas at 22 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,516.01SMART Comprehensiveas at 23 Oct 2026 | S$1,467.86Comprehensive Preferred Planas at 22 Oct 2026 |
| BMW 320i, 50% NCD | S$1,186.67SMART Comprehensiveas at 23 Oct 2026 | S$1,911.12Comprehensive Preferred Planas at 22 Oct 2026 |
| Toyota Corolla Altis 1.6, 3 years old, 50% no-claim discount | S$790.88SMART Comprehensiveas at 23 Oct 2026 | S$1,232.96Comprehensive Preferred Planas at 22 Oct 2026 |
| Mazda 3 1.5 M-Hybrid Classic, 3 years old, 50% no-claim discount | S$961.25SMART Comprehensiveas at 23 Oct 2026 | S$1,489.39Comprehensive Preferred Planas at 22 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | No online price | No online price |
| BYD M6, 3 years old, 50% no-claim discount | No online price | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$876.76SMART Comprehensiveas at 23 Oct 2026 | S$1,232.96Comprehensive Preferred Planas at 22 Oct 2026 |
| Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount | S$910.85SMART Comprehensiveas at 23 Oct 2026 | S$1,550.70Comprehensive Preferred Planas at 22 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$1,006.62SMART Comprehensiveas at 23 Oct 2026 | S$1,919.84Comprehensive Preferred Planas at 22 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | No online price | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$1,180.67SMART Comprehensiveas at 23 Oct 2026 | S$1,079.37Comprehensive Preferred Planas at 22 Oct 2026 |
All prices include 9% GST.
These are example prices for the details above. Your own price depends on your answers.
Cover side by side
| Cover | ERGO | Liberty |
|---|---|---|
| Repairs at | ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered) | Liberty's authorised workshops |
| Windscreen | Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered | Accidental loss or damage to windscreen up to S$4,000 (S$100 excess) |
| Personal accident (driver) | S$50,000 (medical expenses up to S$500 per person) | Up to S$50,000 (medical expenses up to S$1,000 per person) |
| Excess | S$500.00 | S$600.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is ERGO or Liberty cheaper for car insurance?
Of the 9 examples both price, ERGO was cheaper on 7, Liberty on 2. Your own answers can change the order, so get your own quote.
How does ERGO's cover compare with Liberty's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (ERGO SMART Comprehensive, Liberty Comprehensive Preferred Plan): Repairs at: ERGO ERGO authorised workshops only, standard excess (non-authorised workshop repairs not covered), Liberty Liberty's authorised workshops; Windscreen: ERGO Repair at ERGO windscreen partners: excess waived; replacement at partners: windscreen excess applies; replacement at a non-authorised workshop not covered, Liberty Accidental loss or damage to windscreen up to S$4,000 (S$100 excess); Personal accident (driver): ERGO S$50,000 (medical expenses up to S$500 per person), Liberty Up to S$50,000 (medical expenses up to S$1,000 per person); Excess: ERGO S$500.00, Liberty S$600.00.
What discounts are ERGO and Liberty running?
ERGO: none to show. Liberty: none to show.