# Car insurance: Audi S4 Saloon, 3 years old, 50% no-claim discount

Indicative premiums from Shenton Insurance Brokers. As of 28 Oct 2026 (Singapore time).

## Assumptions

- Audi S4 Saloon
- Car registered 3 years ago, private use, comprehensive cover
- Main driver aged 40, married, office job, driving 10 years
- 50% no-claim discount, no claims; repairs at an authorised workshop; no options

## Premiums

Ranked by premium only, lowest first. Commission never affects the order.

| Insurer | Plan | Premium | Excess | As at |
| --- | --- | --- | --- | --- |
| Allianz | Allianz Motor Protect Comprehensive | S$1,207.46 | S$2,000.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,209.34 | S$1,200.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,501.01 | S$500.00 | 18 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,690.14 (estimate) | S$600.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,924.48 (estimate) | S$800.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,963.43 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,994.27 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$2,111.60 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$2,111.60 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,236.14 | S$2,500.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$2,745.08 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$2,745.08 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,776.62 (estimate) | S$800.00 | 21 Oct 2026 |

All prices include 9% GST.

These are example prices for the details above. Your own price depends on your answers.

"As at" is the date we read the insurer's published price table. A price with today's date comes from the insurer's live rates.

## The Audi S4 Saloon in short

For the driver above, Allianz is cheapest for the Audi S4 Saloon today, at S$1,207.46 for its Allianz Motor Protect Comprehensive plan. 9 insurers price it; the dearest of them, Etiqa, asks at least S$2,236.14, S$1,028.68 (85% more) on top, so comparing pays. Of the changes below, the one that costs most is "the same driver with no NCD (0%)": the lowest price rises to S$1,924.48, 59% more. Against 6 similar cars (below) it costs 17% more than their average lowest price of S$1,030.01; 6 of them are cheaper to insure.

## How the Audi S4 Saloon price changes

The lowest price today when one thing about the driver or the car changes.

| Driver and car | Lowest price | Against this page | Insurers | Cheapest |
| --- | --- | --- | --- | --- |
| This page: driver aged 40, 10 years’ driving, 50% NCD, car 3 years old | S$1,207.46 (as at 21 Oct 2026) |  | 9 | Allianz |
| The same driver with no NCD (0%) | S$1,924.48 (as at 21 Oct 2026) | S$717.02 more | 9 | DirectAsia |
| The same driver with 20% NCD | S$1,924.48 (as at 21 Oct 2026) | S$717.02 more | 9 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,924.48 (as at 21 Oct 2026) | S$717.02 more | 9 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,346.75 (as at 21 Oct 2026) | S$139.29 more | 8 | Allianz |
| A new car (registered this year) | S$1,207.46 (as at 21 Oct 2026) | the same | 9 | Allianz |
| A car 8 years old | S$1,183.60 (as at 20 Oct 2026) | S$23.86 less | 9 | HL Assurance |

## The Audi S4 Saloon on our quote form

We priced the Audi S4 Saloon (2,995cc), the version most of our insurers quote.

## Insurers with no online price for the Audi S4 Saloon

- AIG: This insurer has no online price for this car model yet.
- Budget Direct: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- ERGO: This insurer has no online price for this car model yet.
- Great Eastern: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.
- MS First Capital: MS First Capital does not quote this model online.
- QBE: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.

## The Audi S4 Saloon against similar cars

The same driver and car age, each car at the version most insurers quote.

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [BMW 7 Series](https://shentonbrokers.com/prices/car/bmw-7-series) | 2,998cc | S$1,030.55 (as at 21 Oct 2026) | 12 |
| [BMW 730d](https://shentonbrokers.com/prices/car/bmw-730d) | 2,993cc | S$1,115.28 (as at 20 Oct 2026) | 2 |
| [BMW 730i](https://shentonbrokers.com/prices/car/bmw-730i) | 2,996cc | S$1,019.54 (as at 21 Oct 2026) | 15 |
| [BMW 730Li](https://shentonbrokers.com/prices/car/bmw-730li) | 2,996cc | S$1,019.54 (as at 21 Oct 2026) | 16 |
| [BMW 740d](https://shentonbrokers.com/prices/car/bmw-740d) | 2,979cc | S$997.57 (as at 20 Oct 2026) | 2 |
| [BMW 740i](https://shentonbrokers.com/prices/car/bmw-740i) | 2,979cc | S$997.57 (as at 20 Oct 2026) | 13 |

## COE for the Audi S4 Saloon

With a 2,995cc engine, above 1,600cc, the Audi S4 Saloon needs a Category B COE (S$131,901 in the October 2026, 2nd round).

Latest results: https://shentonbrokers.com/coe

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=audi&model=audi-s4-saloon&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-10-28&demeritFree=yes&claims=no&dob=1986-10-28&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/car/audi-s4-saloon