# Car insurance: Honda Civic 1.5 Turbo VTIS, 3 years old, 50% no-claim discount

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

## Assumptions

- Honda Civic 1.5 Turbo VTIS
- 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$642.42 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$777.60 | S$1,200.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$780.63 | S$750.00 | 22 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$825.21 | S$2,500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$863.56 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$893.95 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Classic | S$901.09 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$901.09 | S$600.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$912.44 | S$500.00 | 23 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$937.07 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$938.35 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$975.28 | S$600.00 | 21 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,030.84 | S$2,000.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,036.64 (estimate) | S$800.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$1,043.77 | S$500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,074.25 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,080.04 | S$3,000.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,126.36 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,126.36 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,130.62 | S$750.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,147.31 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Standard | S$1,241.42 | S$2,500.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,293.06 (estimate) | S$600.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,495.65 (estimate) | S$800.00 | 21 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,687.22 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Prestige | S$1,700.75 | 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 Honda Civic in short

For the driver above, India International is cheapest for the Honda Civic today, at S$642.42 for its Comprehensive (any workshop or authorised workshops) plan. 17 insurers price it; the dearest of them, QBE, asks at least S$1,687.22, S$1,044.80 (163% 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$1,036.64, 61% more. Against 6 similar cars (below) it costs 7% less than their average lowest price of S$693.29; one of them is cheaper to insure.

## How the Honda Civic 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$642.42 (as at 20 Oct 2026) |  | 17 | India International |
| The same driver with no NCD (0%) | S$1,036.64 (as at 21 Oct 2026) | S$394.22 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,036.64 (as at 21 Oct 2026) | S$394.22 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,036.64 (as at 21 Oct 2026) | S$394.22 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$642.42 (as at 20 Oct 2026) | the same | 16 | India International |
| A new car (registered this year) | S$660.69 (as at 20 Oct 2026) | S$18.27 more | 16 | India International |
| A car 8 years old | S$586.41 (as at 20 Oct 2026) | S$56.01 less | 17 | India International |

## The Honda Civic on our quote form

We priced the Honda Civic 1.5 Turbo VTIS (1,498cc), the version most of our insurers quote.

Versions on the form:

- [Honda Civic 1.0](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-0&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) (988cc)
- [Honda Civic 1.3](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-3&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) (1,339cc)
- [Honda Civic 1.5 Turbo VTIS](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-5-turbo-vtis&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) (1,498cc)
- [Honda Civic 1.6 i-VTEC](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-6-i-vtec&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) (1,598cc)
- [Honda CIVIC 1.6 VTI CVT](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-6-vti-cvt&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) (1,597cc)
- [Honda Civic 1.6A Vti](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-6a-vti&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) (1,590cc)
- [Honda Civic 1.7 M](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-7-m&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) (1,668cc)
- [Honda Civic 1.8](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-1-8&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) (1,799cc)
- [Honda Civic 2.0GL](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-2-0gl&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)
- [Honda Civic Exi 1.5](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-exi-1-5&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) (1,493cc)
- [Honda Civic Hybrid 1.3 CVT (A)](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-hybrid-1-3-cvt-a&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) (1,339cc)
- [Honda Civic Hybrid MXST](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-hybrid-mxst&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) (1,339cc)
- [Honda Civic Hybrid SASE](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-hybrid-sase&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) (1,497cc)
- [Honda Civic SIR 1.5](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-sir-1-5&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) (1,488cc)
- [Honda Civic SIR 1.6](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-sir-1-6&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) (1,595cc)
- [Honda Civic VTI-S A](https://shentonbrokers.com/quote/car?brand=honda&model=honda-civic-vti-s-a&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) (1,799cc)

## Insurers with no online price for the Honda Civic

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

## The Honda Civic 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 |
| [BMW X1](https://shentonbrokers.com/prices/car/bmw-x1) | 1,499cc | S$797.41 (as at 22 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 |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |

## COE for the Honda Civic

With a 1,498cc engine, the Honda Civic 1.5 Turbo VTIS 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=honda&model=honda-civic-1-5-turbo-vtis&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/honda-civic