# Car insurance: Lexus GS 250, 3 years old, 50% no-claim discount

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

## Assumptions

- Lexus GS 250
- 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$886.61 | S$600.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$933.67 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$997.43 | S$600.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,004.22 | S$2,500.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,094.16 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,094.16 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,105.97 | S$1,200.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,143.73 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,235.21 | S$600.00 | 21 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,243.33 | S$500.00 | 23 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,265.43 | S$2,000.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,295.88 | S$3,000.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,367.70 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,367.70 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$1,433.81 | S$750.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,459.39 | S$500.00 | 18 Oct 2026 |
| Singlife | Motor Standard | S$1,489.52 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,517.79 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,572.84 (estimate) | S$800.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,654.71 | S$500.00 | 23 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,783.81 | S$750.00 | 22 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,788.17 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Prestige | S$2,040.64 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,189.90 (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 GS in short

For the driver above, India International is cheapest for the Lexus GS today, at S$886.61 for its Comprehensive (any workshop or authorised workshops) plan. 15 insurers price it; the dearest of them, QBE, asks at least S$1,788.17, S$901.56 (102% 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$1,517.79, 71% more. Against 6 similar cars (below) it costs 1% less than their average lowest price of S$892.30; 5 of them are cheaper to insure.

## How the Lexus GS 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$886.61 (as at 20 Oct 2026) |  | 15 | India International |
| The same driver with no NCD (0%) | S$1,517.79 (as at 21 Oct 2026) | S$631.18 more | 15 | DirectAsia |
| The same driver with 20% NCD | S$1,461.09 (as at 20 Oct 2026) | S$574.48 more | 15 | Sompo |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,517.79 (as at 21 Oct 2026) | S$631.18 more | 15 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$886.61 (as at 20 Oct 2026) | the same | 14 | India International |
| A new car (registered this year) | S$931.07 (as at 20 Oct 2026) | S$44.46 more | 14 | India International |
| A car 8 years old | S$811.71 (as at 20 Oct 2026) | S$74.90 less | 15 | India International |

## The Lexus GS on our quote form

We priced the Lexus GS 250 (2,500cc), the version most of our insurers quote.

Versions on the form:

- [Lexus GS 200](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-200&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)
- [Lexus GS 250](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-250&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) (2,500cc)
- [Lexus GS 300](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-300&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) (2,994cc)
- [Lexus GS 350](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-350&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) (3,456cc)
- [Lexus GS 350 AWD](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-350-awd&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) (3,441cc)
- [Lexus GS 450h](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-gs-450h&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) (3,456cc)

## Insurers with no online price for the Lexus GS

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

## The Lexus GS against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Camry](https://shentonbrokers.com/prices/car/toyota-camry) | 2,487cc | S$841.31 (as at 20 Oct 2026) | 17 |
| [Toyota Alphard](https://shentonbrokers.com/prices/car/toyota-alphard) | 2,493cc | S$764.82 (as at 20 Oct 2026) | 17 |
| [Toyota Vellfire](https://shentonbrokers.com/prices/car/toyota-vellfire) | 2,362cc | S$764.82 (as at 20 Oct 2026) | 17 |
| [Honda Odyssey](https://shentonbrokers.com/prices/car/honda-odyssey) | 2,354cc | S$811.71 (as at 20 Oct 2026) | 17 |
| [Mitsubishi Outlander](https://shentonbrokers.com/prices/car/mitsubishi-outlander) | 2,360cc | S$861.03 (as at 20 Oct 2026) | 17 |
| [Audi RS 3 Sedan](https://shentonbrokers.com/prices/car/audi-rs-3-sedan) | 2,480cc | S$1,310.08 (as at 20 Oct 2026) | 3 |

## COE for the Lexus GS

With a 2,500cc engine, above 1,600cc, the Lexus GS 250 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-gs-250&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-gs