# Car insurance: Proton Persona 1.6, 3 years old, 50% no-claim discount

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

## Assumptions

- Proton Persona 1.6
- 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$705.56 | S$1,200.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$797.41 | S$750.00 | 22 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$814.73 | S$600.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$830.39 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$888.58 (estimate) | S$600.00 | 22 Oct 2026 |
| MS First Capital | Comprehensive | S$900.37 | S$500.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$919.92 | S$2,000.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$920.83 | S$600.00 | 21 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$938.99 | S$500.00 | 18 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$939.61 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$973.68 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$990.04 | S$3,000.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$997.83 | S$500.00 | 23 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,019.83 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,131.67 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,131.67 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,137.96 | S$2,500.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,147.41 | S$750.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,291.02 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,355.65 (estimate) | S$800.00 | 21 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,405.47 | S$2,500.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,471.17 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,471.17 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Prestige | S$1,559.02 | S$2,500.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$2,062.16 | 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 Proton Persona in short

For the driver above, HL Assurance is cheapest for the Proton Persona today, at S$705.56 for its Car Protect360 Comprehensive plan. 16 insurers price it; the dearest of them, QBE, asks at least S$2,062.16, S$1,356.60 (192% 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$939.61, 33% more. Against 6 similar cars (below) it costs 2% more than their average lowest price of S$689.68; 3 of them are cheaper to insure.

## How the Proton Persona 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$705.56 (as at 20 Oct 2026) |  | 16 | HL Assurance |
| The same driver with no NCD (0%) | S$939.61 (as at 21 Oct 2026) | S$234.05 more | 16 | DirectAsia |
| The same driver with 20% NCD | S$939.61 (as at 21 Oct 2026) | S$234.05 more | 16 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$939.61 (as at 21 Oct 2026) | S$234.05 more | 16 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$905.30 (as at 22 Oct 2026) | S$199.74 more | 15 | Liberty |
| A new car (registered this year) | S$750.58 (as at 20 Oct 2026) | S$45.02 more | 15 | HL Assurance |
| A car 8 years old | S$690.54 (as at 20 Oct 2026) | S$15.02 less | 16 | HL Assurance |

## The Proton Persona on our quote form

We priced the Proton Persona 1.6 (1,597cc), the version most of our insurers quote.

## Insurers with no online price for the Proton Persona

- Budget Direct: This insurer has no online price for this car model yet.
- India International: This insurer has no online price for this car model yet.

## The Proton Persona 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 |
| [Mazda 3](https://shentonbrokers.com/prices/car/mazda-3) | 1,496cc | S$730.18 (as at 20 Oct 2026) | 14 |
| [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 |
| [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 Proton Persona

With a 1,597cc engine, the Proton Persona 1.6 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=proton&model=proton-persona-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

You finish buying on the insurer's own site; the insurer takes payment and issues the policy.

Web page: https://shentonbrokers.com/prices/car/proton-persona