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Car insurance

How ECICS 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 22 Oct 2026, the day we last checked them against ECICS's own online quotes.

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

  • ECICS quotes main drivers aged 26 to 70 online.
  • ECICS quotes drivers with at least 2 years of driving experience online.
  • ECICS quotes cars registered within the last 19 years online.
  • ECICS quotes drivers with up to 2 claims in the last 3 years online.
  • ECICS quotes claims of up to S$20,000 in the last 3 years online.

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 11, live since 22 Oct 2026.

Plans and how each is priced

Comprehensive

Promotion

Offered when Cover type is Comprehensive; Workshop is Authorised workshop; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 9)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 9)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 9)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 9)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 9)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 9)
UsageFigure
Private×1.00
Multiplied by (7 of 9)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 9)
WorkshopFigure
Authorised workshop×1.00
Multiplied by (9 of 9)
Cover typeFigure
Comprehensive×1.00

Minimum premium S$763.00; S$915.60 for Nissan Teana 350, Toyota Estima 3.5, Suzuki Grand Vitara 2.7 · Excess S$750.00

Promo code SPECIAL15: 15% off the list price (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Comprehensive (Any Workshops add-on)

Promotion

Offered when Cover type is Comprehensive; Workshop is Any workshop; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 10)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 10)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 10)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 10)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 10)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 10)
UsageFigure
Private×1.00
Multiplied by (7 of 10)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 10)
WorkshopFigure
Any workshop×1.00
Multiplied by (9 of 10)
MakeFigure
BYD×1.165
Any other×1.40
Multiplied by (10 of 10)
Cover typeFigure
Comprehensive×1.00

Excess S$750.00

Promo code SPECIAL15: 15% off the list price (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Comprehensive Family NCD Builder with the Any Workshops add-on

Promotion

Offered when Cover type is Comprehensive; Workshop is Any workshop; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 10)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 10)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 10)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 10)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 10)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 10)
UsageFigure
Private×1.00
Multiplied by (7 of 10)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 10)
WorkshopFigure
Any workshop×1.00
Multiplied by (9 of 10)
MakeFigure
BYD×1.165
Any other×1.40
Multiplied by (10 of 10)
Cover typeFigure
Comprehensive×1.00

Plus S$321.10

Excess S$750.00

Promo code SPECIAL15: 15% off the base figure, none off the additions (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Comprehensive Family NCD Builder

Promotion

Offered when Cover type is Comprehensive; Workshop is Authorised workshop; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 9)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 9)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 9)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 9)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 9)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 9)
UsageFigure
Private×1.00
Multiplied by (7 of 9)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 9)
WorkshopFigure
Authorised workshop×1.00
Multiplied by (9 of 9)
Cover typeFigure
Comprehensive×1.00

Plus S$321.10

Minimum premium S$1,113.00; S$1,265.60 for Nissan Teana 350, Toyota Estima 3.5, Suzuki Grand Vitara 2.7 · Excess S$750.00

Promo code SPECIAL15: 15% off the base figure, none off the additions (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Third Party, Fire & Theft

Promotion

Offered when Cover type is Third party, fire and theft; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 9)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 9)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 9)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 9)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 9)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 9)
UsageFigure
Private×1.00
Multiplied by (7 of 9)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 9)
Cover typeFigure
Third party, fire and theft×1.00

Multiplied by (9 of 9) ×0.90

Excess None

Promo code SPECIAL15: 15% off the list price (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Third Party Only

Promotion

Offered when Cover type is Third party only; Off-peak car is No

Base premium One figure for each of 1,182 car models, from S$1,650.63 to S$4,517.05.

Download all 1,182 figures (CSV)

Multiplied by (1 of 9)
Driver's ageFigure
Up to 25Not quoted online
26×1.58
27 to 28×1.36
29×1.15
30 to 31×1.13
32 to 33×1.11
34×1.06
35×1.01
36 to 50×0.92
51 to 60×1.05
61 to 69×1.10
70×1.15
71 and overNot quoted online
Multiplied by (2 of 9)
Electric carby Years since the registration year0 years1 year2 to 3 years4 to 15 years16 to 19 years20 years and over
Yes×0.99×0.99×0.99×0.99×0.99Not quoted online
No×1.30×1.15×1.05×0.99×1.02Not quoted online
Multiplied by (3 of 9)
Years licensedFigure
Up to 1Not quoted online
2×1.20
3 and over×1.00
Multiplied by (4 of 9)
NCDFigure
0%×1.00
10%×0.90
20%×0.80
30%×0.70
40%×0.60
50%×0.50
Multiplied by (5 of 9)
At-fault claimsby Total claim amountUp to S$10,000S$10,001 to S$20,000
0×1.00×1.00
1×1.10×1.48
2×1.35×1.55
Multiplied by (6 of 9)
UsageFigure
Private×1.00
Multiplied by (7 of 9)
NCD protectorFigure
No×1.00
Yes×1.00
Multiplied by (8 of 9)
Cover typeFigure
Third party only×1.00

Multiplied by (9 of 9) ×0.80

Excess None

Promo code SPECIAL15: 15% off the list price (only when At-fault claims up to 0), no end date given (seen on the insurer's site 9 Oct 2026).

Car models we can't price

1,434 of the 2,615 car models on our form have no online price from any ECICS plan, usually because the model isn't in ECICS's table. ECICS 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 2022, driver aged 41, 50% NCDComprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 0.92 (Driver's age 36 to 50) = S$1,840.12
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$1,821.72
  4. × 1.00 (Years licensed 3 and over) = S$1,821.72
  5. × 0.50 (NCD 50%) = S$910.86
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$910.86
  7. × 1.00 (Usage Private) = S$910.86
  8. × 1.00 (NCD protector No) = S$910.86
  9. × 1.00 (Workshop Authorised workshop) = S$910.86
  10. × 1.00 (Cover type Comprehensive) = S$910.86
  11. + 9% GST = S$992.84
S$992.84S$843.91 with the 15% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 41, 50% NCDThird Party, Fire & Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 41
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 0.92 (Driver's age 36 to 50) = S$1,840.12
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$1,821.72
  4. × 1.00 (Years licensed 3 and over) = S$1,821.72
  5. × 0.50 (NCD 50%) = S$910.86
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$910.86
  7. × 1.00 (Usage Private) = S$910.86
  8. × 1.00 (NCD protector No) = S$910.86
  9. × 1.00 (Cover type Third party, fire and theft) = S$910.86
  10. × 0.90 = S$819.77
  11. + 9% GST = S$893.55
S$893.55S$759.51 with the 15% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 41, 50% NCDThird Party Only
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Third party only
  • Driver's age: 41
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 0.92 (Driver's age 36 to 50) = S$1,840.12
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$1,821.72
  4. × 1.00 (Years licensed 3 and over) = S$1,821.72
  5. × 0.50 (NCD 50%) = S$910.86
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$910.86
  7. × 1.00 (Usage Private) = S$910.86
  8. × 1.00 (NCD protector No) = S$910.86
  9. × 1.00 (Cover type Third party only) = S$910.86
  10. × 0.80 = S$728.69
  11. + 9% GST = S$794.27
S$794.27S$675.14 with the 15% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 41, 50% NCDComprehensive (Any Workshops add-on)
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 41
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 10
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 0.92 (Driver's age 36 to 50) = S$1,840.12
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$1,821.72
  4. × 1.00 (Years licensed 3 and over) = S$1,821.72
  5. × 0.50 (NCD 50%) = S$910.86
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$910.86
  7. × 1.00 (Usage Private) = S$910.86
  8. × 1.00 (NCD protector No) = S$910.86
  9. × 1.00 (Workshop Any workshop) = S$910.86
  10. × 1.40 (Make Toyota) = S$1,275.20
  11. × 1.00 (Cover type Comprehensive) = S$1,275.20
  12. + 9% GST = S$1,389.97
S$1,389.97S$1,181.47 with the 15% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 26, 50% NCDComprehensive
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 26
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 8
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 1.58 (Driver's age 26) = S$3,160.21
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$3,128.60
  4. × 1.00 (Years licensed 3 and over) = S$3,128.60
  5. × 0.50 (NCD 50%) = S$1,564.30
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$1,564.30
  7. × 1.00 (Usage Private) = S$1,564.30
  8. × 1.00 (NCD protector No) = S$1,564.30
  9. × 1.00 (Workshop Authorised workshop) = S$1,564.30
  10. × 1.00 (Cover type Comprehensive) = S$1,564.30
  11. + 9% GST = S$1,705.09
S$1,705.09S$1,449.33 with the 15% promotion
Toyota Corolla Altis 1.6, registered 2022, driver aged 26, 50% NCDThird Party, Fire & Theft
  • NCD: 50%
  • Car model: Toyota Corolla Altis 1.6
  • Usage: Private
  • Off-peak car: No
  • Electric car: No
  • Workshop: Authorised workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 26
  • Total claim amount: S$0
  • Years since the registration year: 4 years
  • Years licensed: 8
  • NCD protector: No
  • At-fault claims: 0
  1. Base S$2,000.13 (Car model Toyota Corolla Altis 1.6)
  2. × 1.58 (Driver's age 26) = S$3,160.21
  3. × 0.99 (Electric car No, Years since the registration year 4 to 15 years) = S$3,128.60
  4. × 1.00 (Years licensed 3 and over) = S$3,128.60
  5. × 0.50 (NCD 50%) = S$1,564.30
  6. × 1.00 (At-fault claims 0, Total claim amount Up to S$10,000) = S$1,564.30
  7. × 1.00 (Usage Private) = S$1,564.30
  8. × 1.00 (NCD protector No) = S$1,564.30
  9. × 1.00 (Cover type Third party, fire and theft) = S$1,564.30
  10. × 0.90 = S$1,407.87
  11. + 9% GST = S$1,534.58
S$1,534.58S$1,304.39 with the 15% promotion

Download all 2,755 examples (CSV)

Where the figures come from

Plus 16 files of saved quotes, data and screenshots from ECICS's online quote tool, kept with the table.

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

Compare car quotesECICS car insurance prices todayBuy on ECICS's site

Your own premium depends on your answers. You finish buying on the insurer's own site, where you pay and they issue the policy.

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