# Car insurance: BMW 3 Series Sedan 318i, 3 years old, 50% no-claim discount

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

## Assumptions

- BMW 3 Series Sedan 318i
- 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 |
| --- | --- | --- | --- | --- |
| India International | Comprehensive (any workshop or authorised workshops) | S$861.03 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$909.62 | S$750.00 | 22 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$922.11 | S$1,200.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$923.56 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$923.56 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$961.02 | S$600.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$988.30 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,096.07 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,116.82 | S$2,000.00 | 21 Oct 2026 |
| FWD | Drivo Premium | S$1,158.29 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,158.29 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$1,210.02 | S$500.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,259.61 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,312.24 (estimate) | S$800.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,318.51 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,348.40 | S$500.00 | 18 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,359.84 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,893.29 (estimate) | S$800.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$3,039.75 | S$2,500.00 | 20 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 BMW 3 Series Sedan in short

For the driver above, India International is cheapest for the BMW 3 Series Sedan today, at S$861.03 for its Comprehensive (any workshop or authorised workshops) plan. 13 insurers price it; the dearest of them, Etiqa, asks at least S$3,039.75, S$2,178.72 (253% 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$1,312.24, 52% more. Against 6 similar cars (below) it costs 1% less than their average lowest price of S$872.95; 2 of them are cheaper to insure.

## How the BMW 3 Series Sedan 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$861.03 (as at 20 Oct 2026) |  | 13 | India International |
| The same driver with no NCD (0%) | S$1,312.24 (as at 21 Oct 2026) | S$451.21 more | 13 | DirectAsia |
| The same driver with 20% NCD | S$1,312.24 (as at 21 Oct 2026) | S$451.21 more | 13 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,292.98 (as at 20 Oct 2026) | S$431.95 more | 13 | FWD |
| Driver aged 65, 20 years’ driving, 50% NCD | S$861.03 (as at 20 Oct 2026) | the same | 12 | India International |
| A new car (registered this year) | S$886.61 (as at 20 Oct 2026) | S$25.58 more | 12 | India International |
| A car 8 years old | S$787.96 (as at 20 Oct 2026) | S$73.07 less | 13 | India International |

## The BMW 3 Series Sedan on our quote form

We priced the BMW 3 Series Sedan 318i (1,988cc), the version most of our insurers quote.

Versions on the form:

- [BMW 3 Series Sedan 318i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-318i&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) (1,988cc)
- [BMW 3 Series Sedan 318i Inspiring](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-318i-inspiring&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) (1,998cc)
- [BMW 3 Series Sedan 318i M Sport](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-318i-m-sport&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) (1,998cc)
- [BMW 3 Series Sedan 318i Sport](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-318i-sport&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) (1,998cc)
- [BMW 3 Series Sedan 320i Luxury](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-320i-luxury&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) (1,998cc)
- [BMW 3 Series Sedan 320i M Sport](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-320i-m-sport&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) (1,998cc)
- [BMW 3 Series Sedan 330i Luxury](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-330i-luxury&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) (1,998cc)
- [BMW 3 Series Sedan 330i M Sport](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-3-series-sedan-330i-m-sport&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) (1,998cc)

## Insurers with no online price for the BMW 3 Series Sedan

- Budget Direct: This insurer has no online price for this car model yet.
- ERGO: This insurer has no online price for this car model yet.
- Liberty: This insurer has no online price for this car model yet.
- 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 BMW 3 Series Sedan against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Harrier](https://shentonbrokers.com/prices/car/toyota-harrier) | 1,986cc | S$742.90 (as at 20 Oct 2026) | 17 |
| [Mercedes-Benz E-Class](https://shentonbrokers.com/prices/car/mercedes-benz-e-class) | 1,991cc | S$861.03 (as at 20 Oct 2026) | 15 |
| [Toyota Voxy](https://shentonbrokers.com/prices/car/toyota-voxy) | 1,797cc | S$763.41 (as at 20 Oct 2026) | 15 |
| [Lexus NX](https://shentonbrokers.com/prices/car/lexus-nx) | 1,998cc | S$972.39 (as at 20 Oct 2026) | 16 |
| [Lexus RX](https://shentonbrokers.com/prices/car/lexus-rx) | 1,998cc | S$972.39 (as at 20 Oct 2026) | 16 |
| [Mercedes-Benz GLC](https://shentonbrokers.com/prices/car/mercedes-benz-glc) | 1,991cc | S$925.60 (as at 20 Oct 2026) | 16 |

## COE for the BMW 3 Series Sedan

With a 1,988cc engine, above 1,600cc, the BMW 3 Series Sedan 318i 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=bmw&model=bmw-3-series-sedan-318i&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/bmw-3-series-sedan