Car insurance
How Etiqa 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 Etiqa'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 10, live since 21 Oct 2026.
Plans and how each is priced
Private Car Insurance – Comprehensive (Authorised Workshop)
Promotion
Offered when Gender is Male; Cover type is Comprehensive; Workshop is Authorised workshop; Years since the registration year up to 15 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus (1 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Plus (2 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess S$2,500.00
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Comprehensive (Any Workshop)
Promotion
Offered when Gender is Male; Cover type is Comprehensive; Workshop is Any workshop; Car model is one of 1649 listed values; Years since the registration year up to 15 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus (1 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 1,649 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 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Plus (2 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess S$2,500.00
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Third-Party Fire & Theft
Promotion
Offered when Gender is Male; Cover type is Third party, fire and theft; Years since the registration year up to 20 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess None
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Third Party Only
Promotion
Offered when Gender is Male; Cover type is Third party only; Years since the registration year up to 20 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 1,649 car models by 2 bands of years licensed and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Excess None
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
Private Car Insurance – Comprehensive (Authorised Workshop)
Promotion
Offered when Gender is Female; Cover type is Comprehensive; Workshop is Authorised workshop; Years since the registration year up to 15 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus (1 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year multiplied by a factor for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Plus (2 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess S$2,500.00
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Comprehensive (Any Workshop)
Promotion
Offered when Gender is Female; Cover type is Comprehensive; Workshop is Any workshop; Car model is one of 1649 listed values; Years since the registration year up to 15 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus (1 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year multiplied by a factor for each of 1,649 car models, multiplied by a factor for each of 1,649 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 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Plus (2 of 2) One figure for each of 1,649 car models by 10 bands of years since the registration year, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess S$2,500.00
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Third-Party Fire & Theft
Promotion
Offered when Gender is Female; Cover type is Third party, fire and theft; Years since the registration year up to 20 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Plus One figure for each of 1,649 car models by 10 bands of years since the registration year multiplied by a factor for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount.
Excess None
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
The figure is an estimate when any of these are true: At-fault claims 2 or more. Tiq’s own quote can sit up to about 2% away for two claims on this car: Tiq adjusts a two-claim comprehensive quote by model.
Private Car Insurance – Third Party Only
Promotion
Offered when Gender is Female; Cover type is Third party only; Years since the registration year up to 20 years; Driver's age on the cover start date 24 or more; Driver's age on the cover start date up to 75; NCD protector is No; At-fault claims up to 2; Total claim amount up to S$29,999
Base premium One figure for each of 1,649 car models, multiplied by a factor for each of 6 ncd values (0%, 10%, 20%, 30%, 40%, 50%) and by a factor for each of 2 marital status values (Single, Married) by 52 bands of driver's age on the cover start date and by a factor for each of 31 years licensed values and by a factor for each of 2 occupation values (Indoor, Outdoor) and by a factor for each of 2 off-peak car values (No, Yes) and by a factor for each of 2 free of demerit points values (No, Yes) by 6 bands of NCD and by a factor for each of 18 claim counts by NCD by 13 bands of total claim amount and by a factor for each of 21 bands of years since the registration year.
Excess None
Promo code TIQCAR20: 20% off the list price, no end date given (seen on the insurer's site 20 Oct 2026).
Car models we can't price
973 of the 2,615 car models on our form have no online price from any Etiqa plan, usually because the model isn't in Etiqa's table. Etiqa 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.
| Example | Answers | Working | Premium |
|---|---|---|---|
| Toyota Corolla Altis 1.6, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Comprehensive (Authorised Workshop) |
|
| S$941.86S$753.48 with the 20% promotion |
| Toyota Corolla Altis 1.6, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Third-Party Fire & Theft |
|
| S$878.70S$702.96 with the 20% promotion |
| Toyota Corolla Altis 1.6, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Third Party Only |
|
| S$680.97S$544.77 with the 20% promotion |
| Honda Civic 1.6 i-VTEC, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Comprehensive (Authorised Workshop) |
|
| S$1,059.59S$847.67 with the 20% promotion |
| Honda Civic 1.6 i-VTEC, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Third-Party Fire & Theft |
|
| S$988.54S$790.84 with the 20% promotion |
| Honda Civic 1.6 i-VTEC, registered 2023, driver aged 40, 50% NCDPrivate Car Insurance – Third Party Only |
|
| S$766.08S$612.86 with the 20% promotion |
Where the figures come from
- Tiq Private Car promotion page: promo code TIQCAR20, 20% off, new customers only, no end date stated (still on Tiq's promotions page and pre-filled by product-info on 2026-10-20) read 20 Oct 2026
- Tiq by Etiqa Private Car Insurance product page (benefits table, add-ons, FAQ) read 5 Oct 2026
- Tiq Private Car Insurance brochure read 5 Oct 2026
- Tiq Private Car Insurance policy wording, Version 19 read 5 Oct 2026
Plus 15 files of saved quotes, data and screenshots from Etiqa's online quote tool, kept with the table.
Before going live the table was checked against the insurer's own online quotes.
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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