# Car insurance: Lexus LS 350, 3 years old, 50% no-claim discount

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

## Assumptions

- Lexus LS 350
- 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$933.67 | S$600.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,126.40 | S$2,500.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$1,129.88 | S$600.00 | 21 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,352.60 | S$2,000.00 | 21 Oct 2026 |
| FWD | Drivo Classic | S$1,434.39 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,434.39 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,511.68 | S$1,200.00 | 20 Oct 2026 |
| Singlife | Motor Lite | S$1,539.98 | S$3,000.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,544.38 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Standard | S$1,770.11 | S$2,500.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,864.71 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,864.71 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,887.69 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,956.16 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$2,425.04 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$2,723.54 (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 LS in short

For the driver above, Sompo is cheapest for the Lexus LS today, at S$933.67 for its Comprehensive Cover – Authorised Workshop Plan plan. 9 insurers price it; the dearest of them, DirectAsia, asks at least S$1,887.69, S$954.02 (102% more) on top, so comparing pays. Of the changes below, the one that costs most is "driver aged 27, 3 years’ driving, 30% NCD": the lowest price rises to S$1,887.69, 102% more.

## How the Lexus LS 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$933.67 (as at 20 Oct 2026) |  | 9 | Sompo |
| The same driver with no NCD (0%) | S$1,825.25 (as at 20 Oct 2026) | S$891.58 more | 9 | Sompo |
| The same driver with 20% NCD | S$1,461.09 (as at 20 Oct 2026) | S$527.42 more | 9 | Sompo |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,887.69 (as at 21 Oct 2026) | S$954.02 more | 9 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$1,020.32 (as at 20 Oct 2026) | S$86.65 more | 8 | Sompo |
| A new car (registered this year) | S$961.76 (as at 20 Oct 2026) | S$28.09 more | 8 | Sompo |
| A car 8 years old | S$888.71 (as at 20 Oct 2026) | S$44.96 less | 9 | Sompo |

## The Lexus LS on our quote form

We priced the Lexus LS 350 (3,456cc), the version most of our insurers quote.

Versions on the form:

- [Lexus LS 350](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-ls-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 LS 600h](https://shentonbrokers.com/quote/car?brand=lexus&model=lexus-ls-600h&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) (4,969cc)

## Insurers with no online price for the Lexus LS

- Budget Direct: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- ERGO: This insurer has no online price for this car model yet.
- Great Eastern: This insurer's online price is for electric cars only.
- 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.
- MS First Capital: This insurer has no online price for this car model yet.
- QBE: This insurer has no online price for this car model yet.
- UOI: This insurer has no online price for this car model yet.

## The Lexus LS against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Audi Q7](https://shentonbrokers.com/prices/car/audi-q7) | 2,995cc | No online price | 0 |
| [Audi S4 Saloon](https://shentonbrokers.com/prices/car/audi-s4-saloon) | 2,995cc | No online price | 0 |
| [Audi S5](https://shentonbrokers.com/prices/car/audi-s5) | 2,995cc | No online price | 0 |
| [Audi S5 SPRTback](https://shentonbrokers.com/prices/car/audi-s5-sprtback) | 2,995cc | No online price | 0 |
| [Audi SQ5](https://shentonbrokers.com/prices/car/audi-sq5) | 2,995cc | No online price | 0 |
| [BMW 7 Series](https://shentonbrokers.com/prices/car/bmw-7-series) | 2,998cc | S$1,030.55 (as at 21 Oct 2026) | 12 |

## COE for the Lexus LS

With a 3,456cc engine, above 1,600cc, the Lexus LS 350 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-ls-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

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-ls