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Car insurance

How ERGO prices car insurance

Priced online

What the figures include

The table's figures already include 9% GST.

Prices from this table are as at 23 Oct 2026, the day we last checked them against ERGO's own online quotes.

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 3, live since 25 Oct 2026.

Plans and how each is priced

SMART Comprehensive

Offered when Cover type is Comprehensive; Driver's age 24 or more; Driver's age up to 79; Years licensed 2 or more; At-fault claims up to 1; Total claim amount up to S$20,000; Engine capacity up to 2,999 cc; Workshop is Authorised workshop; Years since the registration year up to 15 years

Base premium: Vehicle premium share One figure for each of 1,395 car models, from S$696.14 to S$1,745.19.

Download all 1,395 figures (CSV)

Multiplied by (1 of 4) A factor for each of 56 driver ages by 23 bands of years since the registration year, from ×0.667 to ×2.432.

Download all 1,288 figures (CSV)

Multiplied by (2 of 4)
NCDFigure
0%×2.222
10%×2.00
20%×1.778
30%×1.444
40%×1.222
50%×1.00
Multiplied by (3 of 4)
Years licensedFigure
Up to 2×1.25
3×1.12
4×1.06
5×1.03
6×1.02
7×1.01
8 and over×1.00
Multiplied by (4 of 4)
Off-peak carFigure
No×1.00
Yes×0.70

Driver-and-vehicle-age adjustment One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Excess S$500.00

ENHANCED Comprehensive

Offered when Cover type is Comprehensive; Driver's age 24 or more; Driver's age up to 79; Years licensed 2 or more; At-fault claims up to 1; Total claim amount up to S$20,000; Engine capacity up to 2,999 cc; Years since the registration year up to 15 years

Base premium: Vehicle premium share One figure for each of 1,395 car models, from S$805.90 to S$2,373.68.

Download all 1,395 figures (CSV)

Multiplied by (1 of 4) A factor for each of 56 driver ages by 23 bands of years since the registration year, from ×0.667 to ×2.432.

Download all 1,288 figures (CSV)

Multiplied by (2 of 4)
NCDFigure
0%×2.222
10%×2.00
20%×1.778
30%×1.444
40%×1.222
50%×1.00
Multiplied by (3 of 4)
Years licensedFigure
Up to 2×1.25
3×1.12
4×1.06
5×1.03
6×1.02
7×1.01
8 and over×1.00
Multiplied by (4 of 4)
Off-peak carFigure
No×1.00
Yes×0.70

Driver-and-vehicle-age adjustment One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Excess S$500.00

Third Party, Fire & Theft

Offered when Cover type is Third party, fire and theft; Driver's age 24 or more; Driver's age up to 79; Years licensed 2 or more; At-fault claims up to 1; Total claim amount up to S$20,000; Engine capacity up to 2,999 cc; Years since the registration year up to 22 years

Base premium: Vehicle premium share One figure for each of 1,395 car models, from S$628.97 to S$1,403.08.

Download all 1,395 figures (CSV)

Multiplied by (1 of 4) A factor for each of 56 driver ages by 23 bands of years since the registration year, from ×0.667 to ×2.432.

Download all 1,288 figures (CSV)

Multiplied by (2 of 4)
NCDFigure
0%×2.222
10%×2.00
20%×1.778
30%×1.444
40%×1.222
50%×1.00
Multiplied by (3 of 4)
Years licensedFigure
Up to 2×1.25
3×1.12
4×1.06
5×1.03
6×1.02
7×1.01
8 and over×1.00
Multiplied by (4 of 4)
Off-peak carFigure
No×1.00
Yes×0.70

Driver-and-vehicle-age adjustment One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Excess None

Third Party Only

Offered when Cover type is Third party only; Driver's age 24 or more; Driver's age up to 79; Years licensed 2 or more; At-fault claims up to 1; Total claim amount up to S$20,000; Engine capacity up to 2,999 cc; Years since the registration year up to 22 years

Base premium: Vehicle premium share One figure for each of 1,395 car models, from S$594.10 to S$1,225.47.

Download all 1,395 figures (CSV)

Multiplied by (1 of 4) A factor for each of 56 driver ages by 23 bands of years since the registration year, from ×0.667 to ×2.432.

Download all 1,288 figures (CSV)

Multiplied by (2 of 4)
NCDFigure
0%×2.222
10%×2.00
20%×1.778
30%×1.444
40%×1.222
50%×1.00
Multiplied by (3 of 4)
Years licensedFigure
Up to 2×1.25
3×1.12
4×1.06
5×1.03
6×1.02
7×1.01
8 and over×1.00
Multiplied by (4 of 4)
Off-peak carFigure
No×1.00
Yes×0.70

Driver-and-vehicle-age adjustment One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Make claim loading One figure for each of 56 driver ages by 23 bands of years since the registration year, multiplied by ×0.10 and by a factor for each of 2 at-fault claims values (0, 1) and by a factor for each of 297 car models and by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 7 bands of years licensed and by a factor for each of 2 off-peak car values (No, Yes).

Download all 1,288 figures (CSV)

Excess None

Car models we can't price

1,221 of the 2,615 car models on our form have no online price from any ERGO plan, usually because the model isn't in ERGO's table. ERGO 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
Nissan Serena 2.0, registered 2021, driver aged 40, 20% NCDSMART Comprehensive
  • NCD: 20%
  • Car model: Nissan Serena 2.0
  • Off-peak car: No
  • Engine capacity: 1,998 cc
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 40
  • Total claim amount: S$5,000
  • Years since the registration year: 5 years
  • Years licensed: 5
  • At-fault claims: 1
  1. Base S$1,080.41 (Car model Nissan Serena 2.0)
  2. × 1.05 (Driver's age 40, Years since the registration year 5 years) = S$1,131.86
  3. × 1.78 (NCD 20%) = S$2,012.20
  4. × 1.03 (Years licensed 5) = S$2,072.56
  5. × 1.00 (Off-peak car No) = S$2,072.56
  6. − S$131.60 (Driver's age 40, Years since the registration year 5 years, NCD 20%, Years licensed 5, Off-peak car No) = S$1,940.96
  7. + S$78.90 (Driver's age 40, Years since the registration year 5 years, At-fault claims 1, NCD 20%, Years licensed 5, Off-peak car No) = S$2,019.86
  8. − S$17.52 (Driver's age 40, Years since the registration year 5 years, Car model Nissan Serena 2.0, NCD 20%, Years licensed 5, Off-peak car No) = S$2,002.34
  9. + S$10.49 (Driver's age 40, Years since the registration year 5 years, At-fault claims 1, Car model Nissan Serena 2.0, NCD 20%, Years licensed 5, Off-peak car No) = S$2,012.83
  10. GST is included: S$2,012.83
S$2,012.83
Nissan Serena 2.0, registered 2019, driver aged 52, 50% NCDSMART Comprehensive
  • NCD: 50%
  • Car model: Nissan Serena 2.0
  • Off-peak car: Yes
  • Engine capacity: 1,998 cc
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 52
  • Total claim amount: S$0
  • Years since the registration year: 7 years
  • Years licensed: 10
  • At-fault claims: 0
  1. Base S$1,080.41 (Car model Nissan Serena 2.0)
  2. × 1.08 (Driver's age 52, Years since the registration year 7 years) = S$1,161.75
  3. × 1.00 (NCD 50%) = S$1,161.75
  4. × 1.00 (Years licensed 8 and over) = S$1,161.75
  5. × 0.70 (Off-peak car Yes) = S$813.22
  6. − S$16.90 (Driver's age 52, Years since the registration year 7 years, NCD 50%, Years licensed 8 and over, Off-peak car Yes) = S$796.33
  7. + S$0.00 (Driver's age 52, Years since the registration year 7 years, At-fault claims 0, NCD 50%, Years licensed 8 and over, Off-peak car Yes) = S$796.33
  8. − S$2.26 (Driver's age 52, Years since the registration year 7 years, Car model Nissan Serena 2.0, NCD 50%, Years licensed 8 and over, Off-peak car Yes) = S$794.07
  9. + S$0.00 (Driver's age 52, Years since the registration year 7 years, At-fault claims 0, Car model Nissan Serena 2.0, NCD 50%, Years licensed 8 and over, Off-peak car Yes) = S$794.07
  10. GST is included: S$794.07
S$794.07
Audi A3 2.0 FSi, registered 2019, driver aged 60, 30% NCDSMART Comprehensive
  • NCD: 30%
  • Car model: Audi A3 2.0 FSi
  • Off-peak car: No
  • Engine capacity: 1,984 cc
  • Workshop: Authorised workshop
  • Cover type: Comprehensive
  • Driver's age: 60
  • Total claim amount: S$0
  • Years since the registration year: 7 years
  • Years licensed: 5
  • At-fault claims: 0
  1. Base S$1,098.04 (Car model Audi A3 2.0 FSi)
  2. × 1.13 (Driver's age 60, Years since the registration year 7 years) = S$1,239.73
  3. × 1.44 (NCD 30%) = S$1,790.72
  4. × 1.03 (Years licensed 5) = S$1,844.44
  5. × 1.00 (Off-peak car No) = S$1,844.44
  6. − S$57.74 (Driver's age 60, Years since the registration year 7 years, NCD 30%, Years licensed 5, Off-peak car No) = S$1,786.70
  7. + S$0.00 (Driver's age 60, Years since the registration year 7 years, At-fault claims 0, NCD 30%, Years licensed 5, Off-peak car No) = S$1,786.70
  8. − S$5.78 (Driver's age 60, Years since the registration year 7 years, Car model Audi A3 2.0 FSi, NCD 30%, Years licensed 5, Off-peak car No) = S$1,780.92
  9. + S$0.00 (Driver's age 60, Years since the registration year 7 years, At-fault claims 0, Car model Audi A3 2.0 FSi, NCD 30%, Years licensed 5, Off-peak car No) = S$1,780.92
  10. GST is included: S$1,780.92
S$1,780.92
Honda WR-V Vin's Auto Edition 1.5 X, registered 2019, driver aged 33, 10% NCDThird Party Only
  • NCD: 10%
  • Car model: Honda WR-V Vin's Auto Edition 1.5 X
  • Off-peak car: No
  • Engine capacity: 1,496 cc
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 33
  • Total claim amount: S$0
  • Years since the registration year: 7 years
  • Years licensed: 3
  • At-fault claims: 0
  1. Base S$716.58 (Car model Honda WR-V Vin's Auto Edition 1.5 X)
  2. × 1.18 (Driver's age 33, Years since the registration year 7 years) = S$847.56
  3. × 2.00 (NCD 10%) = S$1,695.13
  4. × 1.12 (Years licensed 3) = S$1,898.54
  5. × 1.00 (Off-peak car No) = S$1,898.54
  6. − S$159.95 (Driver's age 33, Years since the registration year 7 years, NCD 10%, Years licensed 3, Off-peak car No) = S$1,738.59
  7. + S$0.00 (Driver's age 33, Years since the registration year 7 years, At-fault claims 0, NCD 10%, Years licensed 3, Off-peak car No) = S$1,738.59
  8. − S$14.72 (Driver's age 33, Years since the registration year 7 years, Car model Honda WR-V Vin's Auto Edition 1.5 X, NCD 10%, Years licensed 3, Off-peak car No) = S$1,723.87
  9. + S$0.00 (Driver's age 33, Years since the registration year 7 years, At-fault claims 0, Car model Honda WR-V Vin's Auto Edition 1.5 X, NCD 10%, Years licensed 3, Off-peak car No) = S$1,723.87
  10. GST is included: S$1,723.87
S$1,723.87
Toyota Corolla Altis 1.6, registered 2024, driver aged 26, 0% NCDENHANCED Comprehensive
  • NCD: 0%
  • Car model: Toyota Corolla Altis 1.6
  • Off-peak car: No
  • Engine capacity: 1,598 cc
  • Workshop: Any workshop
  • Cover type: Comprehensive
  • Driver's age: 26
  • Total claim amount: S$0
  • Years since the registration year: 2 years
  • Years licensed: 3
  • At-fault claims: 0
  1. Base S$1,008.26 (Car model Toyota Corolla Altis 1.6)
  2. × 2.05 (Driver's age 26, Years since the registration year 2 years) = S$2,065.04
  3. × 2.22 (NCD 0%) = S$4,588.98
  4. × 1.12 (Years licensed 3) = S$5,139.66
  5. × 1.00 (Off-peak car No) = S$5,139.66
  6. − S$1,439.58 (Driver's age 26, Years since the registration year 2 years, NCD 0%, Years licensed 3, Off-peak car No) = S$3,700.08
  7. + S$0.00 (Driver's age 26, Years since the registration year 2 years, At-fault claims 0, NCD 0%, Years licensed 3, Off-peak car No) = S$3,700.08
  8. + S$0.00 (Driver's age 26, Years since the registration year 2 years, Car model Toyota Corolla Altis 1.6, NCD 0%, Years licensed 3, Off-peak car No) = S$3,700.08
  9. + S$0.00 (Driver's age 26, Years since the registration year 2 years, At-fault claims 0, Car model Toyota Corolla Altis 1.6, NCD 0%, Years licensed 3, Off-peak car No) = S$3,700.08
  10. GST is included: S$3,700.08
S$3,700.08
Mazda CX-5 2.0, registered 2019, driver aged 75, 50% NCDThird Party Only
  • NCD: 50%
  • Car model: Mazda CX-5 2.0
  • Off-peak car: No
  • Engine capacity: 1,998 cc
  • Workshop: Any workshop
  • Cover type: Third party only
  • Driver's age: 75
  • Total claim amount: S$0
  • Years since the registration year: 7 years
  • Years licensed: 20
  • At-fault claims: 0
  1. Base S$981.88 (Car model Mazda CX-5 2.0)
  2. × 1.61 (Driver's age 75, Years since the registration year 7 years) = S$1,583.67
  3. × 1.00 (NCD 50%) = S$1,583.67
  4. × 1.00 (Years licensed 8 and over) = S$1,583.67
  5. × 1.00 (Off-peak car No) = S$1,583.67
  6. − S$170.83 (Driver's age 75, Years since the registration year 7 years, NCD 50%, Years licensed 8 and over, Off-peak car No) = S$1,412.84
  7. + S$0.00 (Driver's age 75, Years since the registration year 7 years, At-fault claims 0, NCD 50%, Years licensed 8 and over, Off-peak car No) = S$1,412.84
  8. + S$0.00 (Driver's age 75, Years since the registration year 7 years, Car model Mazda CX-5 2.0, NCD 50%, Years licensed 8 and over, Off-peak car No) = S$1,412.84
  9. + S$0.00 (Driver's age 75, Years since the registration year 7 years, At-fault claims 0, Car model Mazda CX-5 2.0, NCD 50%, Years licensed 8 and over, Off-peak car No) = S$1,412.84
  10. GST is included: S$1,412.84
S$1,412.84
Show the other 2 examples
ExampleAnswersWorkingPremium
Suzuki Jimny, registered 2021, driver aged 52, 40% NCDThird Party, Fire & Theft
  • NCD: 40%
  • Car model: Suzuki Jimny
  • Off-peak car: No
  • Engine capacity: 1,328 cc
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 52
  • Total claim amount: S$5,000
  • Years since the registration year: 5 years
  • Years licensed: 8
  • At-fault claims: 1
  1. Base S$815.24 (Car model Suzuki Jimny)
  2. × 1.13 (Driver's age 52, Years since the registration year 5 years) = S$918.35
  3. × 1.22 (NCD 40%) = S$1,122.43
  4. × 1.00 (Years licensed 8 and over) = S$1,122.43
  5. × 1.00 (Off-peak car No) = S$1,122.43
  6. − S$120.53 (Driver's age 52, Years since the registration year 5 years, NCD 40%, Years licensed 8 and over, Off-peak car No) = S$1,001.90
  7. + S$53.73 (Driver's age 52, Years since the registration year 5 years, At-fault claims 1, NCD 40%, Years licensed 8 and over, Off-peak car No) = S$1,055.63
  8. + S$0.00 (Driver's age 52, Years since the registration year 5 years, Car model Suzuki Jimny, NCD 40%, Years licensed 8 and over, Off-peak car No) = S$1,055.63
  9. + S$0.00 (Driver's age 52, Years since the registration year 5 years, At-fault claims 1, Car model Suzuki Jimny, NCD 40%, Years licensed 8 and over, Off-peak car No) = S$1,055.63
  10. GST is included: S$1,055.63
S$1,055.63
Kia Cerato 1.5 CRDi HTBK, registered 2012, driver aged 46, 30% NCDThird Party, Fire & Theft
  • NCD: 30%
  • Car model: Kia Cerato 1.5 CRDi HTBK
  • Off-peak car: No
  • Engine capacity: 1,493 cc
  • Workshop: Any workshop
  • Cover type: Third party, fire and theft
  • Driver's age: 46
  • Total claim amount: S$0
  • Years since the registration year: 14 years
  • Years licensed: 10
  • At-fault claims: 0
  1. Base S$779.61 (Car model Kia Cerato 1.5 CRDi HTBK)
  2. × 0.67 (Driver's age 46, Years since the registration year 14 years) = S$519.74
  3. × 1.44 (NCD 30%) = S$750.73
  4. × 1.00 (Years licensed 8 and over) = S$750.73
  5. × 1.00 (Off-peak car No) = S$750.73
  6. + S$375.14 (Driver's age 46, Years since the registration year 14 years, NCD 30%, Years licensed 8 and over, Off-peak car No) = S$1,125.87
  7. + S$0.00 (Driver's age 46, Years since the registration year 14 years, At-fault claims 0, NCD 30%, Years licensed 8 and over, Off-peak car No) = S$1,125.87
  8. + S$49.88 (Driver's age 46, Years since the registration year 14 years, Car model Kia Cerato 1.5 CRDi HTBK, NCD 30%, Years licensed 8 and over, Off-peak car No) = S$1,175.74
  9. + S$0.00 (Driver's age 46, Years since the registration year 14 years, At-fault claims 0, Car model Kia Cerato 1.5 CRDi HTBK, NCD 30%, Years licensed 8 and over, Off-peak car No) = S$1,175.74
  10. GST is included: S$1,175.74
S$1,175.74

Where the figures come from

9 files of saved quotes, data and screenshots from ERGO'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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