Car insurance
HL Assurance vs Liberty car insurance
As of 28 Oct 2026 (Singapore time)
Of the 9 examples both price, HL Assurance was cheaper on 8, Liberty on 1. Your own answers can change the order, so get your own quote.
Lowest price on each example
| Example | HL Assurance | Liberty |
|---|---|---|
| Toyota Corolla Altis 1.6, 50% NCD | S$698.03Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,219.83Comprehensive Preferred Planas at 22 Oct 2026 |
| Honda Vezel 1.5, 20% NCD | S$1,557.47Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,467.86Comprehensive Preferred Planas at 22 Oct 2026 |
| BMW 320i, 50% NCD | S$892.67Car Protect360 Comprehensiveas at 20 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$713.21Car Protect360 Comprehensiveas at 20 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$730.18Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,489.39Comprehensive Preferred Planas at 22 Oct 2026 |
| BYD ATTO 3, 3 years old, 50% no-claim discount | S$1,290.96Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| BYD M6, 3 years old, 50% no-claim discount | S$1,398.55Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| Toyota Sienta, 3 years old, 50% no-claim discount | S$674.30Car Protect360 Comprehensiveas at 20 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$806.41Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,550.70Comprehensive Preferred Planas at 22 Oct 2026 |
| BMW X1 sDrive16, 3 years old, 50% no-claim discount | S$804.86Car Protect360 Comprehensiveas at 20 Oct 2026 | S$1,919.84Comprehensive Preferred Planas at 22 Oct 2026 |
| Mercedes-Benz GLB 200, 3 years old, 50% no-claim discount | S$822.26Car Protect360 Comprehensiveas at 20 Oct 2026 | No online price |
| Honda Freed, 3 years old, 50% no-claim discount | S$756.48Car Protect360 Comprehensiveas at 20 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 | HL Assurance | Liberty |
|---|---|---|
| Repairs at | Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Excess; a S$3,000 young or inexperienced driver excess applies on top to drivers under 27 or licensed under 2 years) | Liberty's authorised workshops |
| Windscreen | Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer | Accidental loss or damage to windscreen up to S$4,000 (S$100 excess) |
| Personal accident (driver) | S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each | Up to S$50,000 (medical expenses up to S$1,000 per person) |
| Excess | S$1,200.00 | S$600.00 |
Dearer plans from either insurer can cover more. Read the policy wording before you buy.
Discounts running today
- HL Assurance: 25% off
- Liberty: none to show
More about each
See every insurer's price for your own answers, cheapest first.
Get your own quoteQuestions people ask
Is HL Assurance or Liberty cheaper for car insurance?
Of the 9 examples both price, HL Assurance was cheaper on 8, Liberty on 1. Your own answers can change the order, so get your own quote.
How does HL Assurance's cover compare with Liberty's?
On each one's cheapest plan for toyota Corolla Altis 1.6, 50% NCD (HL Assurance Car Protect360 Comprehensive, Liberty Comprehensive Preferred Plan): Repairs at: HL Assurance Any workshop; own-damage excess is halved at an HL Assurance Approved Workshop (see Excess; a S$3,000 young or inexperienced driver excess applies on top to drivers under 27 or licensed under 2 years), Liberty Liberty's authorised workshops; Windscreen: HL Assurance Unlimited; S$100 excess, waived at an HL Assurance appointed windscreen repairer, Liberty Accidental loss or damage to windscreen up to S$4,000 (S$100 excess); Personal accident (driver): HL Assurance S$20,000 for the policyholder, S$10,000 for an authorised driver and S$10,000 a passenger; medical expenses S$1,000 each, Liberty Up to S$50,000 (medical expenses up to S$1,000 per person); Excess: HL Assurance S$1,200.00, Liberty S$600.00.
What discounts are HL Assurance and Liberty running?
HL Assurance: 25% off. Liberty: none to show.