# Car insurance: BMW X3 xDrive20i, 3 years old, 50% no-claim discount

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

## Assumptions

- BMW X3 xDrive20i
- 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 |
| --- | --- | --- | --- | --- |
| AIG | AIG Car Insurance Collision Only | S$856.04 | S$600.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,000.41 | S$1,200.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$1,010.69 | S$750.00 | 22 Oct 2026 |
| FWD | Drivo Classic | S$1,051.72 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,051.72 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,127.44 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,153.97 | S$3,000.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,160.94 | S$600.00 | 20 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$1,202.65 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$1,210.02 | S$500.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,289.99 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Premium | S$1,314.65 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,314.65 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,326.40 | S$2,500.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,333.36 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,336.78 (estimate) | S$800.00 | 21 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,360.69 | S$750.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,393.06 | S$500.00 | 18 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,456.49 | S$3,000.00 | 22 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,476.99 | S$2,000.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,788.09 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Prestige | S$1,817.18 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,861.20 (estimate) | S$800.00 | 21 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$2,015.29 (estimate) | S$600.00 | 22 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$3,266.15 | 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 X3 in short

For the driver above, AIG is cheapest for the BMW X3 today, at S$856.04 for its AIG Car Insurance Collision Only plan. 17 insurers price it; the dearest of them, Etiqa, asks at least S$3,266.15, S$2,410.11 (282% 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$1,289.99, 51% more. Against 6 similar cars (below) it costs 2% less than their average lowest price of S$872.95; 2 of them are cheaper to insure.

## How the BMW X3 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$856.04 (as at 21 Oct 2026) |  | 17 | AIG |
| The same driver with no NCD (0%) | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,289.99 (as at 21 Oct 2026) | S$433.95 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,026.65 (as at 21 Oct 2026) | S$170.61 more | 16 | AIG |
| A new car (registered this year) | S$1,051.72 (as at 20 Oct 2026) | S$195.68 more | 15 | FWD |
| A car 8 years old | S$813.89 (as at 21 Oct 2026) | S$42.15 less | 17 | AIG |

## The BMW X3 on our quote form

We priced the BMW X3 xDrive20i (1,998cc), the version most of our insurers quote.

Versions on the form:

- [BMW X3 2.0](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-2-0&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) (1,995cc)
- [BMW X3 2.5](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-2-5&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) (2,494cc)
- [BMW X3 3.0](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-3-0&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) (2,993cc)
- [BMW X3 M40I](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-m40i&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) (2,998cc)
- [BMW X3 SDRIVE 20i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-sdrive-20i&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) (1,997cc)
- [BMW X3 xDrive20i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-xdrive20i&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 X3 xDrive28i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-xdrive28i&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) (1,997cc)
- [BMW X3 xDrive28i 3.0](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-xdrive28i-3-0&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) (2,996cc)
- [BMW X3 xDrive30IA](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-xdrive30ia&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 X3 xDrive35i](https://shentonbrokers.com/quote/car?brand=bmw&model=bmw-x3-xdrive35i&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) (2,979cc)

## Insurers with no online price for the BMW X3

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

## The BMW X3 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 X3

With a 1,998cc engine, above 1,600cc, the BMW X3 xDrive20i 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-x3-xdrive20i&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-x3