# Car insurance: Mazda 323 1.4, 3 years old, 50% no-claim discount

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

## Assumptions

- Mazda 323 1.4
- 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$726.66 | S$1,200.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$830.39 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$850.81 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$850.81 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$873.40 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$927.36 | S$500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$973.59 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,008.89 (estimate) | S$800.00 | 21 Oct 2026 |
| FWD | Drivo Premium | S$1,106.06 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,106.06 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,119.78 (estimate) | S$600.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,294.41 | S$500.00 | 18 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,404.67 (estimate) | S$800.00 | 21 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,845.85 | 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 Mazda 323 in short

For the driver above, HL Assurance is cheapest for the Mazda 323 today, at S$726.66 for its Car Protect360 Comprehensive plan. 10 insurers price it; the dearest of them, QBE, asks at least S$1,845.85, S$1,119.19 (154% 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$973.59, 34% more. Against 6 similar cars (below) it costs 7% more than their average lowest price of S$678.67; 5 of them are cheaper to insure.

## How the Mazda 323 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$726.66 (as at 20 Oct 2026) |  | 10 | HL Assurance |
| The same driver with no NCD (0%) | S$973.59 (as at 21 Oct 2026) | S$246.93 more | 10 | DirectAsia |
| The same driver with 20% NCD | S$973.59 (as at 21 Oct 2026) | S$246.93 more | 10 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$973.59 (as at 21 Oct 2026) | S$246.93 more | 10 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$850.81 (as at 20 Oct 2026) | S$124.15 more | 9 | FWD |
| A new car (registered this year) | S$773.03 (as at 20 Oct 2026) | S$46.37 more | 9 | HL Assurance |
| A car 8 years old | S$711.19 (as at 20 Oct 2026) | S$15.47 less | 10 | HL Assurance |

## The Mazda 323 on our quote form

We priced the Mazda 323 1.4 (1,415cc), the version most of our insurers quote.

Versions on the form:

- [Mazda 323 1.4](https://shentonbrokers.com/quote/car?brand=mazda&model=mazda-323-1-4&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) (1,415cc)
- [Mazda 323 1.6](https://shentonbrokers.com/quote/car?brand=mazda&model=mazda-323-1-6&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) (1,598cc)

## Insurers with no online price for the Mazda 323

- AIG: This insurer has no online price for this car model yet.
- Allianz: This insurer doesn’t offer this cover online.
- 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.
- Etiqa: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.
- Singlife: This insurer has no online price for this car model yet.

## The Mazda 323 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 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 |
| [Honda Freed](https://shentonbrokers.com/prices/car/honda-freed) | 1,496cc | S$642.42 (as at 20 Oct 2026) | 16 |
| [Hyundai Kona](https://shentonbrokers.com/prices/car/hyundai-kona) | 1,591cc | S$721.59 (as at 20 Oct 2026) | 16 |

## COE for the Mazda 323

With a 1,415cc engine, the Mazda 323 1.4 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=mazda&model=mazda-323-1-4&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/mazda-323