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Car insurance

How Singlife prices car insurance

Priced online

What the figures include

The table's figures are before GST. We add 9% GST to each price.

Prices from this table are as at 20 Oct 2026, the day we last checked them against Singlife's own online quotes.

Limits of Singlife's online quote. A band in the tables below outside them reads “Not quoted online”.

  • Singlife caps the no-claim discount at 10% for each year of driving experience under five years, so this NCD cannot be used with this licence history.
  • Singlife does not quote drivers with under one year of driving experience online.
  • Singlife's online quote is for main drivers aged 21 and above.
  • Singlife's online quote covers cars registered in 2011 or later (the form lists registration years back to 15 years ago).

A plan's premium is its base figure, times each factor that applies, plus any additions. It is never below the plan's minimum. Version 8, live since 20 Oct 2026.

Plans and how each is priced

Motor Lite

Offered when Workshop is Authorised workshop; Cover type is Comprehensive; At-fault claims up to 2; Car model is one of 1249 listed values

Base premium One figure for each of 1,249 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,249 figures (CSV)

Plus (1 of 2) One figure for each of 1,249 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,249 figures (CSV)

Plus (2 of 2) One figure for each of 1,249 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,249 figures (CSV)

Excess Depends on the car model, S$2,500 to S$7,000 (own damage); a further S$2,500 when the driver is 24 or under or has held a licence under 2 years

Motor Standard

Offered when Cover type is Comprehensive; At-fault claims up to 2

Base premium One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Plus (1 of 2) One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Plus (2 of 2) One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Excess Depends on the car model, S$2,000 to S$6,500 (own damage); a further S$2,500 when the driver is 24 or under or has held a licence under 2 years

Motor Prestige

Offered when Cover type is Comprehensive; At-fault claims up to 2

Base premium One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Plus (1 of 2) One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Plus (2 of 2) One figure for each of 1,255 car models, multiplied by a factor for each of 2 gender values (Female, Male) by 58 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values by 6 bands of NCD and by a factor for each of 16 bands of years since the registration year and by a factor for each of 3 at-fault claims values (0, 1, 2) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 electric car values (Yes, No) and by a factor for each of 2 ncd protector values (No, Yes) by 2 bands of NCD.

Download all 1,255 figures (CSV)

Excess Depends on the car model, S$2,000 to S$6,500 (own damage)

Car models we can't price

1,368 of the 2,615 car models on our form have no online price from any Singlife plan, usually because the model isn't in Singlife's table. Singlife may still cover them: ask them or a broker.

Download the list (CSV, each plan's reason in its own column)

Worked examples

We check the table against these cases before it goes live. Each one matches the insurer's own price to the cent. The working shows where each figure comes from and the sums that give the premium.

ExampleAnswersWorkingPremium
Toyota Corolla Altis 1.6, registered 2021, driver aged 40, 50% NCDMotor Lite
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Gender: Male
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: No
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 40
  1. Base S$122.39 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%)
  2. + S$672.22 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$794.61
  3. + S$43.00 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$837.61
  4. + 9% GST = S$912.99
S$912.99
Toyota Corolla Altis 1.6, registered 2021, driver aged 40, 50% NCDMotor Standard
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Gender: Male
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: No
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 40
  1. Base S$140.67 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%)
  2. + S$772.67 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$913.34
  3. + S$49.43 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$962.77
  4. + 9% GST = S$1,049.42
S$1,049.42
Toyota Corolla Altis 1.6, registered 2021, driver aged 40, 50% NCDMotor Prestige
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Gender: Male
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: No
  • Years since the registration year: 5 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 40
  1. Base S$192.72 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%)
  2. + S$1,058.56 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$1,251.28
  3. + S$67.72 (Car model Toyota Corolla Altis 1.6, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 5 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$1,319.00
  4. + 9% GST = S$1,437.71
S$1,437.71
BMW 320i, registered 2026, driver aged 40, 20% NCDMotor Standard
  • NCD: 20%
  • Car model: BMW 320i
  • Gender: Female
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: No
  • Years since the registration year: 0 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 40
  1. Base S$466.79 (Car model BMW 320i, Gender Female, Driver's age on the cover start date 40, Years licensed 10, NCD 11 to 20%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD Up to 40%)
  2. + S$810.10 (Car model BMW 320i, Gender Female, Driver's age on the cover start date 40, Years licensed 10, NCD 11 to 20%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD Up to 40%) = S$1,276.89
  3. + S$139.59 (Car model BMW 320i, Gender Female, Driver's age on the cover start date 40, Years licensed 10, NCD 11 to 20%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD Up to 40%) = S$1,416.48
  4. + 9% GST = S$1,543.96
S$1,543.96
BYD ATTO 3, registered 2024, driver aged 29, 40% NCDMotor Prestige
  • NCD: 40%
  • Car model: BYD ATTO 3
  • Gender: Male
  • Electric car: Yes
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: Yes
  • Years since the registration year: 2 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 29
  1. Base S$359.34 (Car model BYD ATTO 3, Gender Male, Driver's age on the cover start date 29, Years licensed 10, NCD 31 to 40%, Years since the registration year 2 years, At-fault claims 0, Off-peak car Yes, Electric car Yes, NCD protector No, NCD Up to 40%)
  2. + S$1,297.42 (Car model BYD ATTO 3, Gender Male, Driver's age on the cover start date 29, Years licensed 10, NCD 31 to 40%, Years since the registration year 2 years, At-fault claims 0, Off-peak car Yes, Electric car Yes, NCD protector No, NCD Up to 40%) = S$1,656.76
  3. + S$125.48 (Car model BYD ATTO 3, Gender Male, Driver's age on the cover start date 29, Years licensed 10, NCD 31 to 40%, Years since the registration year 2 years, At-fault claims 0, Off-peak car Yes, Electric car Yes, NCD protector No, NCD Up to 40%) = S$1,782.24
  4. + 9% GST = S$1,942.64
S$1,942.64
Honda Vezel 1.5X, registered 2026, driver aged 40, 50% NCDMotor Standard
  • NCD: 50%
  • Car model: Honda Vezel 1.5X
  • Gender: Male
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Off-peak car: No
  • Years since the registration year: 0 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  • Driver's age on the cover start date: 40
  1. Base S$251.45 (Car model Honda Vezel 1.5X, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%)
  2. + S$736.58 (Car model Honda Vezel 1.5X, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$988.02
  3. + S$204.31 (Car model Honda Vezel 1.5X, Gender Male, Driver's age on the cover start date 40, Years licensed 10, NCD 41 to 50%, Years since the registration year 0 years, At-fault claims 0, Off-peak car No, Electric car No, NCD protector No, NCD 41 to 50%) = S$1,192.34
  4. + 9% GST = S$1,299.65
S$1,299.65

Download all 1,415 examples (CSV)

Where the figures come from

Plus 29 files of saved quotes, data and screenshots from Singlife's online quote tool, kept with the table.

Before going live the table was checked against the insurer's own online quotes.

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