# Car insurance: Lexus CT 200h, 3 years old, 50% no-claim discount

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

## Assumptions

- Lexus CT 200h
- 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 |
| --- | --- | --- | --- | --- |
| HL Assurance | Car Protect360 Comprehensive | S$856.24 | S$1,200.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$896.01 | S$600.00 | 21 Oct 2026 |
| India International | Comprehensive (any workshop or authorised workshops) | S$919.68 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$957.38 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$981.70 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,036.21 | S$2,500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,076.39 | S$600.00 | 21 Oct 2026 |
| ECICS | Comprehensive | S$1,142.59 | S$750.00 | 22 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,155.16 | S$2,000.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$1,174.79 | S$500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,179.14 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$1,201.28 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,201.28 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,221.94 (estimate) | S$800.00 | 21 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,492.58 | S$750.00 | 22 Oct 2026 |
| FWD | Drivo Premium | S$1,561.65 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,561.65 | S$600.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,601.91 | S$500.00 | 18 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,643.96 | S$3,000.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,701.28 (estimate) | S$800.00 | 21 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 Lexus CT in short

For the driver above, HL Assurance is cheapest for the Lexus CT today, at S$856.24 for its Car Protect360 Comprehensive plan. 14 insurers price it; the dearest of them, QBE, asks at least S$1,643.96, S$787.72 (92% 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$1,179.14, 38% more. Against 6 similar cars (below) it costs 15% more than their average lowest price of S$741.89; 4 of them are cheaper to insure.

## How the Lexus CT 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$856.24 (as at 20 Oct 2026) |  | 14 | HL Assurance |
| The same driver with no NCD (0%) | S$1,179.14 (as at 21 Oct 2026) | S$322.90 more | 14 | DirectAsia |
| The same driver with 20% NCD | S$1,179.14 (as at 21 Oct 2026) | S$322.90 more | 14 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,179.14 (as at 21 Oct 2026) | S$322.90 more | 14 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$919.68 (as at 20 Oct 2026) | S$63.44 more | 13 | India International |
| A new car (registered this year) | S$910.88 (as at 20 Oct 2026) | S$54.64 more | 13 | HL Assurance |
| A car 8 years old | S$838.00 (as at 20 Oct 2026) | S$18.24 less | 14 | HL Assurance |

## The Lexus CT on our quote form

We priced the Lexus CT 200h (1,798cc), the version most of our insurers quote.

## Insurers with no online price for the Lexus CT

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

## The Lexus CT 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 |
| [Toyota Harrier](https://shentonbrokers.com/prices/car/toyota-harrier) | 1,986cc | S$742.90 (as at 20 Oct 2026) | 17 |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |
| [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 |
| [Hyundai Avante](https://shentonbrokers.com/prices/car/hyundai-avante) | 1,591cc | S$622.34 (as at 20 Oct 2026) | 17 |

## COE for the Lexus CT

With a 1,798cc engine, above 1,600cc, the Lexus CT 200h 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=lexus&model=lexus-ct-200h&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/lexus-ct