# Car insurance: BMW X2 sDrive18i, 3 years old, 50% no-claim discount

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

## Assumptions

- BMW X2 sDrive18i
- 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 |
| --- | --- | --- | --- | --- |
| ECICS | Comprehensive | S$797.41 | S$750.00 | 22 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$804.86 | S$1,200.00 | 20 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$811.71 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$871.96 | S$600.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$979.33 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$979.33 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$983.86 | S$500.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,000.76 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,053.56 | S$600.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,056.69 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Lite | S$1,069.21 | S$3,000.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,147.41 | S$750.00 | 22 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,165.31 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,172.51 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Premium | S$1,224.16 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,224.16 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,228.98 | S$2,500.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,295.90 | S$2,000.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,329.06 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,377.28 (estimate) | S$800.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,378.20 | S$500.00 | 23 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,427.65 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Prestige | S$1,683.70 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,917.57 (estimate) | S$800.00 | 21 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,919.84 (estimate) | S$600.00 | 22 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$2,636.48 | 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 X2 sDrive18i in short

For the driver above, ECICS is cheapest for the BMW X2 sDrive18i today, at S$797.41 for its Comprehensive plan. 17 insurers price it; the dearest of them, Etiqa, asks at least S$2,636.48, S$1,839.07 (231% 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$1,329.06, 67% more. Against 6 similar cars (below) it costs 19% more than their average lowest price of S$667.46; 6 of them are cheaper to insure.

## How the BMW X2 sDrive18i 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$797.41 (as at 22 Oct 2026) |  | 17 | ECICS |
| The same driver with no NCD (0%) | S$1,329.06 (as at 21 Oct 2026) | S$531.65 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,275.86 (as at 22 Oct 2026) | S$478.45 more | 17 | ECICS |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,329.06 (as at 21 Oct 2026) | S$531.65 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$811.71 (as at 20 Oct 2026) | S$14.30 more | 16 | India International |
| A new car (registered this year) | S$836.07 (as at 20 Oct 2026) | S$38.66 more | 15 | India International |
| A car 8 years old | S$742.90 (as at 20 Oct 2026) | S$54.51 less | 17 | India International |

## The BMW X2 sDrive18i on our quote form

We priced the BMW X2 sDrive18i (1,499cc), the version most of our insurers quote.

## Insurers with no online price for the BMW X2 sDrive18i

- Budget Direct: This insurer has no online price for this car model yet.

## The BMW X2 sDrive18i against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Corolla Altis](https://shentonbrokers.com/prices/car/toyota-corolla-altis) | 1,598cc | S$642.42 (as at 20 Oct 2026) | 18 |
| [Mazda 3](https://shentonbrokers.com/prices/car/mazda-3) | 1,496cc | S$730.18 (as at 20 Oct 2026) | 14 |
| [Toyota Sienta](https://shentonbrokers.com/prices/car/toyota-sienta) | 1,496cc | S$604.07 (as at 20 Oct 2026) | 17 |
| [Mercedes-Benz GLB](https://shentonbrokers.com/prices/car/mercedes-benz-glb) | 1,332cc | S$664.09 (as at 21 Oct 2026) | 12 |
| [Honda Freed](https://shentonbrokers.com/prices/car/honda-freed) | 1,496cc | S$642.42 (as at 20 Oct 2026) | 16 |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |

## COE for the BMW X2 sDrive18i

With a 1,499cc engine, the BMW X2 sDrive18i needs a Category A COE (S$132,004 in the October 2026, 2nd round) if its power is 97kW (130bhp) or less, and a Category B COE (S$131,901 in the October 2026, 2nd round) if it is more.

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

Get your own quote with these answers filled in: https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x2-sdrive18i&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-x2-sdrive18i