# Car insurance: Kia Forte, 3 years old, 50% no-claim discount

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

## Assumptions

- Kia Forte
- 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 |
| --- | --- | --- | --- | --- |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$788.88 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$845.27 | S$1,200.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$874.19 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$905.92 (estimate) | S$800.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$924.24 | S$2,500.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$939.79 | S$500.00 | 23 Oct 2026 |
| MS First Capital | Comprehensive | S$1,013.36 | S$500.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,026.32 | S$600.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,053.39 | S$500.00 | 18 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$1,152.36 | S$600.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,180.13 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,261.29 (estimate) | S$800.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,300.46 | S$600.00 | 21 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,874.69 | S$3,000.00 | 22 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 Kia Forte in short

For the driver above, Sompo is cheapest for the Kia Forte today, at S$788.88 for its Comprehensive Cover – Authorised Workshop Plan plan. 10 insurers price it; the dearest of them, QBE, asks at least S$1,874.69, S$1,085.81 (138% 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$874.19, 11% more. Against 6 similar cars (below) it costs 9% less than their average lowest price of S$862.19; 2 of them are cheaper to insure.

## How the Kia Forte 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$788.88 (as at 20 Oct 2026) |  | 10 | Sompo |
| The same driver with no NCD (0%) | S$874.19 (as at 21 Oct 2026) | S$85.31 more | 10 | DirectAsia |
| The same driver with 20% NCD | S$874.19 (as at 21 Oct 2026) | S$85.31 more | 10 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$874.19 (as at 21 Oct 2026) | S$85.31 more | 10 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$862.07 (as at 20 Oct 2026) | S$73.19 more | 9 | Sompo |
| A new car (registered this year) | S$812.61 (as at 20 Oct 2026) | S$23.73 more | 9 | Sompo |
| A car 8 years old | S$750.88 (as at 20 Oct 2026) | S$38.00 less | 10 | Sompo |

## The Kia Forte on our quote form

We priced the Kia Forte (1,998cc), the version most of our insurers quote.

Versions on the form:

- [Kia Forte](https://shentonbrokers.com/quote/car?brand=kia&model=kia-forte&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)
- [Kia Forte 1.6 SX](https://shentonbrokers.com/quote/car?brand=kia&model=kia-forte-1-6-sx&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) (1,591cc)
- [Kia Forte K3 1.6](https://shentonbrokers.com/quote/car?brand=kia&model=kia-forte-k3-1-6&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) (1,591cc)

## Insurers with no online price for the Kia Forte

- Allianz: 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.
- FWD: This insurer has no online price for this car model yet.
- Income: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.
- Liberty: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.

## The Kia Forte 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 |
| [BMW 5 Series](https://shentonbrokers.com/prices/car/bmw-5-series) | 1,998cc | S$861.03 (as at 20 Oct 2026) | 17 |
| [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 |

## COE for the Kia Forte

With a 1,998cc engine, above 1,600cc, the Kia Forte 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=kia&model=kia-forte&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/kia-forte