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Smart #3 car insurance: compare insurers and buy online

Smart #3 Brabus 66 kWh, 3 years old, 50% no-claim discount

As of 12 Nov 2026 (Singapore time)

Compare car insurance for a Smart #3 Brabus 66 kWh, 3 years old, 50% no-claim discount from 2 insurers on this page: S$753.33 to S$1,287.86 a year, GST included. Every plan has a Buy Now link.

On 12 Nov 2026, the cheapest car insurance for a Smart #3 Brabus 66 kWh, 3 years old, 50% no-claim discount is S$753.33 a year (GST included) at Allianz, Allianz Electric Motor Protect Comprehensive (as at 21 Oct 2026); 2 insurers price it online, up to S$1,287.86 (as at 21 Oct 2026).

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/prices/car/smart-3

Car insurance promotions today: HL Assurance, 25% off; Etiqa, 20% off, new customers only. Prices shown include discounts from featured insurers; other insurers are shown at full price with no discount.

The Smart #3 in short

For the driver above, Allianz is cheapest for the Smart #3 today, at S$753.33 for its Allianz Electric Motor Protect Comprehensive plan. 2 insurers price it; the dearest of them, AIG, asks at least S$1,069.88, S$316.55 (42% 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$1,631.01, 117% more. Against 6 similar cars (below) it costs 16% less than their average lowest price of S$899.87; one of them is cheaper to insure.

What we assumed

  • Smart #3 Brabus 66 kWh
  • 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

Prices today

Ranked by premium only, lowest first. Commission never affects the order.
InsurerPlanPremiumExcessAs at
AllianzAllianz Electric Motor Protect ComprehensiveBuy NowAllianz Electric Motor Protect ComprehensiveS$939.84S$753.33code AZMPEVS$2,000.0021 Oct 2026
AllianzAllianz Electric Motor Protect Comprehensive (Standard)Buy NowAllianz Electric Motor Protect Comprehensive (Standard)S$1,181.24S$994.73code AZMPEVS$600.0021 Oct 2026
AIGAIG Car Insurance Collision OnlyBuy NowAIG Car Insurance Collision OnlyS$1,069.88S$0.0021 Oct 2026
AIGAIG Car Insurance CompleteBuy NowAIG Car Insurance CompleteS$1,287.86S$1,500.0021 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.

This table as CSV.

Buy Now addresses

Open the quote form with these answers filled in, then change anything that is different for you.

Get your own quote

Prices for other answers, as plain text: change any answer in https://shentonbrokers.com/quote/car/prices?brand=smart&model=smart-3-brabus-66-kwh&ncd=50&licenceYears=10&ncdProtector=no&regDate=2023-11-12&demeritFree=yes&claims=no&dob=1986-11-12&gender=m&maritalStatus=married&occupationNature=indoor&meritCertificate=no&offPeak=no&workshop=authorised

How the Smart #3 price changes

The lowest price today when one thing about the driver or the car changes. Every other answer stays as above.

Driver and carLowest priceAgainst this pageInsurersCheapest
This page: driver aged 40, 10 years’ driving, 50% NCD, car 3 years oldS$753.33 (as at 21 Oct 2026)2Allianz
The same driver with no NCD (0%)S$1,631.01 (as at 21 Oct 2026)S$877.68 more2Allianz
The same driver with 20% NCDS$1,304.80 (as at 21 Oct 2026)S$551.47 more2Allianz
Driver aged 27, 3 years’ driving, 30% NCDS$1,537.23 (as at 21 Oct 2026)S$783.90 more2Allianz
Driver aged 65, 20 years’ driving, 50% NCDS$840.23 (as at 21 Oct 2026)S$86.90 more2Allianz
A new car (registered this year)S$753.33 (as at 21 Oct 2026)the same1Allianz
A car 8 years oldS$753.33 (as at 21 Oct 2026)the same2Allianz

Open a line to get a quote with those answers filled in. Quotes by driver: the Smart #3 priced for 73 typical drivers, from new drivers to over-70s.

Smart #3 insurance price by driver age and NCD, male driver (man)

The lowest comprehensive price today for each main driver age and no-claim discount, and the insurer that offers it. This table: car 3 years old, married, office job, no claims, authorised workshop; driving experience counts from age 18. "Not possible": NCD grows 10% a year, so a young driver cannot have it yet. Ages with the same prices share a row. Every insurer's price for one driver: the plain-words address under "Prices for other drivers", or this page as markdown, where each price links its own.

Driver age0% NCD10% NCD20% NCD30% NCD40% NCD50% NCD
21S$5,329.20AIGS$4,796.27AIGS$4,263.34AIGS$3,543.92AIGNot possibleNot possible
22S$5,011.20AIGS$4,510.07AIGS$4,008.94AIGS$3,332.44AIGS$2,856.40AIGNot possible
23S$3,710.86AIGS$3,339.77AIGS$2,968.67AIGS$2,467.72AIGS$2,115.20AIGS$1,762.66AIG
24S$3,505.58AIGS$3,155.02AIGS$2,804.45AIGS$2,331.20AIGS$1,998.19AIGS$1,665.15AIG
25S$2,449.79AllianzS$2,204.79AllianzS$1,959.82AllianzS$1,584.11AllianzS$1,357.81AllianzS$1,131.50Allianz
26S$2,413.53AllianzS$2,172.16AllianzS$1,930.82AllianzS$1,560.66AllianzS$1,337.72AllianzS$1,114.75Allianz
27S$2,377.29AllianzS$2,139.54AllianzS$1,901.82AllianzS$1,537.23AllianzS$1,317.64AllianzS$1,098.01Allianz
28S$2,341.03AllianzS$2,106.91AllianzS$1,872.82AllianzS$1,513.78AllianzS$1,297.54AllianzS$1,081.27Allianz
29S$2,304.77AllianzS$2,074.28AllianzS$1,843.81AllianzS$1,490.34AllianzS$1,277.45AllianzS$1,064.52Allianz
30S$2,268.53AllianzS$2,041.66AllianzS$1,814.82AllianzS$1,466.91AllianzS$1,257.35AllianzS$1,047.78Allianz
31S$2,139.19AllianzS$1,925.26AllianzS$1,711.35AllianzS$1,383.27AllianzS$1,185.67AllianzS$988.04Allianz
32S$2,030.49AllianzS$1,827.43AllianzS$1,624.39AllianzS$1,312.98AllianzS$1,125.42AllianzS$937.83Allianz
33S$1,939.39AllianzS$1,745.44AllianzS$1,551.51AllianzS$1,254.07AllianzS$1,074.93AllianzS$895.75Allianz
34S$1,863.36AllianzS$1,677.02AllianzS$1,490.69AllianzS$1,204.91AllianzS$1,032.79AllianzS$860.64Allianz
35S$1,800.42AllianzS$1,620.36AllianzS$1,440.33AllianzS$1,164.21AllianzS$997.90AllianzS$831.57Allianz
36S$1,748.80AllianzS$1,573.91AllianzS$1,399.04AllianzS$1,130.83AllianzS$969.29AllianzS$807.73Allianz
37S$1,707.13AllianzS$1,536.41AllianzS$1,365.70AllianzS$1,103.89AllianzS$946.19AllianzS$788.49Allianz
38S$1,674.26AllianzS$1,506.83AllianzS$1,339.41AllianzS$1,082.63AllianzS$927.98AllianzS$773.30Allianz
39S$1,649.18AllianzS$1,484.25AllianzS$1,319.34AllianzS$1,066.41AllianzS$914.07AllianzS$761.72Allianz
40S$1,631.01AllianzS$1,467.90AllianzS$1,304.80AllianzS$1,054.66AllianzS$904.00AllianzS$753.33Allianz
41S$1,619.04AllianzS$1,457.13AllianzS$1,295.23AllianzS$1,046.93AllianzS$897.37AllianzS$747.80Allianz
42S$1,612.64AllianzS$1,451.37AllianzS$1,290.11AllianzS$1,042.79AllianzS$893.82AllianzS$744.84Allianz
43S$1,611.26AllianzS$1,450.12AllianzS$1,289.00AllianzS$1,041.90AllianzS$893.06AllianzS$744.20Allianz
44S$1,614.27AllianzS$1,452.83AllianzS$1,291.41AllianzS$1,043.83AllianzS$894.72AllianzS$745.60Allianz
45S$1,621.28AllianzS$1,459.14AllianzS$1,297.02AllianzS$1,048.37AllianzS$898.61AllianzS$748.83Allianz
46S$1,631.80AllianzS$1,468.61AllianzS$1,305.44AllianzS$1,055.18AllianzS$904.44AllianzS$753.69Allianz
47S$1,645.42AllianzS$1,480.86AllianzS$1,316.33AllianzS$1,063.98AllianzS$911.99AllianzS$759.98Allianz
48S$1,661.58AllianzS$1,495.41AllianzS$1,329.26AllianzS$1,074.43AllianzS$920.95AllianzS$767.44Allianz
49S$1,679.95AllianzS$1,511.94AllianzS$1,343.96AllianzS$1,086.31AllianzS$931.13AllianzS$775.93Allianz
50S$1,699.98AllianzS$1,529.97AllianzS$1,359.98AllianzS$1,099.26AllianzS$942.23AllianzS$785.18Allianz
51S$1,721.20AllianzS$1,549.07AllianzS$1,376.96AllianzS$1,112.99AllianzS$953.99AllianzS$794.98Allianz
52S$1,743.12AllianzS$1,568.79AllianzS$1,394.49AllianzS$1,127.16AllianzS$966.14AllianzS$805.11Allianz
53S$1,765.17AllianzS$1,588.64AllianzS$1,412.13AllianzS$1,141.41AllianzS$978.36AllianzS$815.29Allianz
54S$1,786.81AllianzS$1,608.11AllianzS$1,429.44AllianzS$1,155.41AllianzS$990.36AllianzS$825.28Allianz
55S$1,807.45AllianzS$1,626.69AllianzS$1,445.96AllianzS$1,168.76AllianzS$1,001.79AllianzS$834.82Allianz
56S$1,826.43AllianzS$1,643.78AllianzS$1,461.14AllianzS$1,181.03AllianzS$1,012.32AllianzS$843.59Allianz
57S$1,843.17AllianzS$1,658.85AllianzS$1,474.54AllianzS$1,191.86AllianzS$1,021.60AllianzS$851.32Allianz
58S$1,856.99AllianzS$1,671.27AllianzS$1,485.58AllianzS$1,200.78AllianzS$1,029.25AllianzS$857.70Allianz
59S$1,867.21AllianzS$1,680.48AllianzS$1,493.76AllianzS$1,207.40AllianzS$1,034.92AllianzS$862.42Allianz
60S$1,873.21AllianzS$1,685.88AllianzS$1,498.57AllianzS$1,211.28AllianzS$1,038.25AllianzS$865.20Allianz
61S$1,874.34AllianzS$1,686.89AllianzS$1,499.47AllianzS$1,212.01AllianzS$1,038.87AllianzS$865.71Allianz
62S$1,870.02AllianzS$1,683.01AllianzS$1,496.01AllianzS$1,209.22AllianzS$1,036.48AllianzS$863.72Allianz
63S$1,859.72AllianzS$1,673.73AllianzS$1,487.77AllianzS$1,202.56AllianzS$1,030.76AllianzS$858.96Allianz
64S$1,842.88AllianzS$1,658.58AllianzS$1,474.30AllianzS$1,191.66AllianzS$1,021.43AllianzS$851.18Allianz
65S$1,819.16AllianzS$1,637.23AllianzS$1,455.32AllianzS$1,176.33AllianzS$1,008.29AllianzS$840.23Allianz
66S$1,806.16AllianzS$1,625.54AllianzS$1,444.93AllianzS$1,167.92AllianzS$1,001.08AllianzS$834.22Allianz
67S$1,802.52AllianzS$1,622.25AllianzS$1,442.01AllianzS$1,165.57AllianzS$999.06AllianzS$832.54Allianz
68S$1,789.58AllianzS$1,610.61AllianzS$1,431.66AllianzS$1,157.20AllianzS$991.89AllianzS$826.57Allianz
69S$1,767.01AllianzS$1,590.30AllianzS$1,413.60AllianzS$1,142.60AllianzS$979.38AllianzS$816.15Allianz
70S$1,734.64AllianzS$1,561.16AllianzS$1,387.70AllianzS$1,121.67AllianzS$961.43AllianzS$801.19Allianz
71S$1,729.96AllianzS$1,556.95AllianzS$1,383.96AllianzS$1,118.65AllianzS$958.85AllianzS$799.03Allianz
72S$1,795.78AllianzS$1,616.19AllianzS$1,436.62AllianzS$1,161.21AllianzS$995.33AllianzS$829.43Allianz
73S$1,818.23AllianzS$1,636.40AllianzS$1,454.58AllianzS$1,175.73AllianzS$1,007.77AllianzS$839.80Allianz
74S$1,845.51AllianzS$1,660.95AllianzS$1,476.41AllianzS$1,193.36AllianzS$1,022.89AllianzS$852.40Allianz
75S$1,873.19AllianzS$1,685.86AllianzS$1,498.55AllianzS$1,211.27AllianzS$1,038.24AllianzS$865.19Allianz

Smart #3 insurance price by driver age and NCD, female driver (woman)

The lowest comprehensive price today for each main driver age and no-claim discount, and the insurer that offers it. This table: car 3 years old, married, office job, no claims, authorised workshop; driving experience counts from age 18. "Not possible": NCD grows 10% a year, so a young driver cannot have it yet. Ages with the same prices share a row. Every insurer's price for one driver: the plain-words address under "Prices for other drivers", or this page as markdown, where each price links its own.

Driver age0% NCD10% NCD20% NCD30% NCD40% NCD50% NCD
21S$5,262.52AIGS$4,736.26AIGS$4,209.99AIGS$3,499.56AIGNot possibleNot possible
22S$4,951.99AIGS$4,456.79AIGS$3,961.58AIGS$3,293.08AIGS$2,822.65AIGNot possible
23S$3,686.69AIGS$3,318.01AIGS$2,949.33AIGS$2,451.64AIGS$2,101.42AIGS$1,751.17AIG
24S$3,482.31AIGS$3,134.08AIGS$2,785.83AIGS$2,315.73AIGS$1,984.92AIGS$1,654.10AIG
25S$2,344.30AllianzS$2,109.85AllianzS$1,875.43AllianzS$1,515.90AllianzS$1,299.35AllianzS$1,082.78Allianz
26S$2,259.93AllianzS$2,033.92AllianzS$1,807.94AllianzS$1,461.35AllianzS$1,252.59AllianzS$1,043.81Allianz
27S$2,175.55AllianzS$1,957.98AllianzS$1,740.43AllianzS$1,406.78AllianzS$1,205.82AllianzS$1,004.83Allianz
28S$2,124.47AllianzS$1,912.01AllianzS$1,699.57AllianzS$1,373.75AllianzS$1,177.50AllianzS$981.24Allianz
29S$2,078.72AllianzS$1,870.83AllianzS$1,662.97AllianzS$1,344.17AllianzS$1,152.15AllianzS$960.11Allianz
30S$1,922.49AllianzS$1,730.23AllianzS$1,537.99AllianzS$1,243.15AllianzS$1,065.56AllianzS$887.95Allianz
31S$1,898.10AllianzS$1,708.28AllianzS$1,518.47AllianzS$1,227.37AllianzS$1,052.04AllianzS$876.69Allianz
32S$1,799.58AllianzS$1,619.61AllianzS$1,439.66AllianzS$1,163.66AllianzS$997.43AllianzS$831.18Allianz
33S$1,689.76AllianzS$1,520.77AllianzS$1,351.80AllianzS$1,092.66AllianzS$936.57AllianzS$780.46Allianz
34S$1,640.07AllianzS$1,476.05AllianzS$1,312.05AllianzS$1,060.52AllianzS$909.02AllianzS$757.50Allianz
35S$1,613.73AllianzS$1,452.35AllianzS$1,290.98AllianzS$1,043.49AllianzS$894.42AllianzS$745.35Allianz
36S$1,623.94AllianzS$1,461.53AllianzS$1,299.15AllianzS$1,050.09AllianzS$900.08AllianzS$750.06Allianz
37S$1,552.63AllianzS$1,397.36AllianzS$1,242.10AllianzS$1,003.98AllianzS$860.56AllianzS$717.13Allianz
38S$1,501.63AllianzS$1,351.46AllianzS$1,201.30AllianzS$971.01AllianzS$832.29AllianzS$693.57Allianz
39S$1,463.47AllianzS$1,317.11AllianzS$1,170.77AllianzS$946.32AllianzS$811.14AllianzS$675.95Allianz
40S$1,473.67AllianzS$1,326.30AllianzS$1,178.93AllianzS$952.93AllianzS$816.80AllianzS$680.66Allianz
41S$1,468.20AllianzS$1,321.37AllianzS$1,174.56AllianzS$949.39AllianzS$813.76AllianzS$678.13Allianz
42S$1,418.75AllianzS$1,276.87AllianzS$1,135.00AllianzS$917.41AllianzS$786.35AllianzS$655.29Allianz
43S$1,454.49AllianzS$1,309.03AllianzS$1,163.59AllianzS$940.52AllianzS$806.17AllianzS$671.80Allianz
44S$1,432.48AllianzS$1,289.22AllianzS$1,145.98AllianzS$926.29AllianzS$793.97AllianzS$661.63Allianz
45S$1,474.80AllianzS$1,327.31AllianzS$1,179.84AllianzS$953.66AllianzS$817.42AllianzS$681.17Allianz
46S$1,441.69AllianzS$1,297.51AllianzS$1,153.35AllianzS$932.24AllianzS$799.07AllianzS$665.89Allianz
47S$1,513.28AllianzS$1,361.94AllianzS$1,210.62AllianzS$978.53AllianzS$838.75AllianzS$698.95Allianz
48S$1,457.48AllianzS$1,311.73AllianzS$1,165.98AllianzS$942.45AllianzS$807.82AllianzS$673.17Allianz
49S$1,484.01AllianzS$1,335.60AllianzS$1,187.21AllianzS$959.62AllianzS$822.53AllianzS$685.43Allianz
50S$1,533.45AllianzS$1,380.09AllianzS$1,226.76AllianzS$991.58AllianzS$849.93AllianzS$708.27Allianz
51S$1,492.06AllianzS$1,342.84AllianzS$1,193.64AllianzS$964.82AllianzS$826.99AllianzS$689.15Allianz
52S$1,525.25AllianzS$1,372.71AllianzS$1,220.19AllianzS$986.28AllianzS$845.38AllianzS$704.48Allianz
53S$1,585.04AllianzS$1,426.53AllianzS$1,268.03AllianzS$1,024.94AllianzS$878.53AllianzS$732.09Allianz
54S$1,592.30AllianzS$1,433.06AllianzS$1,273.83AllianzS$1,029.63AllianzS$882.55AllianzS$735.45Allianz
55S$1,579.95AllianzS$1,421.95AllianzS$1,263.96AllianzS$1,021.65AllianzS$875.70AllianzS$729.75Allianz
56S$1,621.20AllianzS$1,459.07AllianzS$1,296.96AllianzS$1,048.32AllianzS$898.56AllianzS$748.79Allianz
57S$1,568.64AllianzS$1,411.76AllianzS$1,254.91AllianzS$1,014.33AllianzS$869.43AllianzS$724.52Allianz
58S$1,677.55AllianzS$1,509.79AllianzS$1,342.04AllianzS$1,084.76AllianzS$929.80AllianzS$774.83Allianz
59S$1,637.31AllianzS$1,473.57AllianzS$1,309.84AllianzS$1,058.73AllianzS$907.50AllianzS$756.24Allianz
60S$1,708.13AllianzS$1,537.30AllianzS$1,366.50AllianzS$1,104.53AllianzS$946.75AllianzS$788.94Allianz
61S$1,680.74AllianzS$1,512.66AllianzS$1,344.59AllianzS$1,086.83AllianzS$931.57AllianzS$776.29Allianz
62S$1,711.69AllianzS$1,540.51AllianzS$1,369.35AllianzS$1,106.84AllianzS$948.72AllianzS$790.59Allianz
63S$1,701.31AllianzS$1,531.17AllianzS$1,361.04AllianzS$1,100.12AllianzS$942.97AllianzS$785.80Allianz
64S$1,700.64AllianzS$1,530.56AllianzS$1,360.50AllianzS$1,099.69AllianzS$942.59AllianzS$785.49Allianz
65S$1,752.21AllianzS$1,576.98AllianzS$1,401.76AllianzS$1,133.03AllianzS$971.18AllianzS$809.31Allianz
66S$1,664.04AllianzS$1,497.63AllianzS$1,331.23AllianzS$1,076.02AllianzS$922.31AllianzS$768.58Allianz
67S$1,658.47AllianzS$1,492.62AllianzS$1,326.77AllianzS$1,072.43AllianzS$919.23AllianzS$766.01Allianz
68S$1,615.81AllianzS$1,454.22AllianzS$1,292.65AllianzS$1,044.84AllianzS$895.58AllianzS$746.31Allianz
69S$1,723.04AllianzS$1,550.73AllianzS$1,378.43AllianzS$1,114.18AllianzS$955.01AllianzS$795.83Allianz
70S$1,730.83AllianzS$1,557.74AllianzS$1,384.66AllianzS$1,119.21AllianzS$959.33AllianzS$799.43Allianz
71S$1,765.45AllianzS$1,588.89AllianzS$1,412.35AllianzS$1,141.60AllianzS$978.52AllianzS$815.42Allianz
72S$1,800.75AllianzS$1,620.67AllianzS$1,440.60AllianzS$1,164.42AllianzS$998.08AllianzS$831.73Allianz
73S$1,836.76AllianzS$1,653.07AllianzS$1,469.40AllianzS$1,187.70AllianzS$1,018.04AllianzS$848.36Allianz
74S$1,873.49AllianzS$1,686.13AllianzS$1,498.79AllianzS$1,211.46AllianzS$1,038.40AllianzS$865.32Allianz
75S$1,910.98AllianzS$1,719.87AllianzS$1,528.78AllianzS$1,235.70AllianzS$1,059.18AllianzS$882.64Allianz

Smart #3 insurance price by driver age and NCD, new car (1 year old), male driver

The lowest comprehensive price today for each main driver age and no-claim discount, and the insurer that offers it. This table: car 1 year old, male, married, office job, no claims, authorised workshop; driving experience counts from age 18. "Not possible": NCD grows 10% a year, so a young driver cannot have it yet. Ages with the same prices share a row. Every insurer's price for one driver: the plain-words address under "Prices for other drivers", or this page as markdown, where each price links its own.

Driver age0% NCD10% NCD20% NCD30% NCD40% NCD50% NCD
21S$5,846.50AIGS$5,261.83AIGS$4,677.17AIGS$3,887.91AIGNot possibleNot possible
23S$4,074.51AIGS$3,667.05AIGS$3,259.59AIGS$2,709.54AIGS$2,322.48AIGS$1,935.39AIG
25S$2,449.79AllianzS$2,204.79AllianzS$1,959.82AllianzS$1,584.11AllianzS$1,357.81AllianzS$1,131.50Allianz
28S$2,341.03AllianzS$2,106.91AllianzS$1,872.82AllianzS$1,513.78AllianzS$1,297.54AllianzS$1,081.27Allianz
30S$2,268.53AllianzS$2,041.66AllianzS$1,814.82AllianzS$1,466.91AllianzS$1,257.35AllianzS$1,047.78Allianz
35S$1,800.42AllianzS$1,620.36AllianzS$1,440.33AllianzS$1,164.21AllianzS$997.90AllianzS$831.57Allianz
40S$1,631.01AllianzS$1,467.90AllianzS$1,304.80AllianzS$1,054.66AllianzS$904.00AllianzS$753.33Allianz
45S$1,621.28AllianzS$1,459.14AllianzS$1,297.02AllianzS$1,048.37AllianzS$898.61AllianzS$748.83Allianz
50S$1,699.98AllianzS$1,529.97AllianzS$1,359.98AllianzS$1,099.26AllianzS$942.23AllianzS$785.18Allianz
55S$1,807.45AllianzS$1,626.69AllianzS$1,445.96AllianzS$1,168.76AllianzS$1,001.79AllianzS$834.82Allianz
60S$1,873.21AllianzS$1,685.88AllianzS$1,498.57AllianzS$1,211.28AllianzS$1,038.25AllianzS$865.20Allianz
65S$1,819.16AllianzS$1,637.23AllianzS$1,455.32AllianzS$1,176.33AllianzS$1,008.29AllianzS$840.23Allianz
70S$1,734.64AllianzS$1,561.16AllianzS$1,387.70AllianzS$1,121.67AllianzS$961.43AllianzS$801.19Allianz
75S$1,873.19AllianzS$1,685.86AllianzS$1,498.55AllianzS$1,211.27AllianzS$1,038.24AllianzS$865.19Allianz

Smart #3 insurance price by driver age and NCD, older car (8 years old), male driver

The lowest comprehensive price today for each main driver age and no-claim discount, and the insurer that offers it. This table: car 8 years old, male, married, office job, no claims, authorised workshop; driving experience counts from age 18. "Not possible": NCD grows 10% a year, so a young driver cannot have it yet. Ages with the same prices share a row. Every insurer's price for one driver: the plain-words address under "Prices for other drivers", or this page as markdown, where each price links its own.

Driver age0% NCD10% NCD20% NCD30% NCD40% NCD50% NCD
21S$5,396.34AIGS$4,856.69AIGS$4,317.05AIGS$3,588.56AIGNot possibleNot possible
23S$3,755.44AIGS$3,379.89AIGS$3,004.35AIGS$2,497.36AIGS$2,140.61AIGS$1,783.84AIG
25S$2,449.79AllianzS$2,204.79AllianzS$1,959.82AllianzS$1,584.11AllianzS$1,357.81AllianzS$1,131.50Allianz
28S$2,341.03AllianzS$2,106.91AllianzS$1,872.82AllianzS$1,513.78AllianzS$1,297.54AllianzS$1,081.27Allianz
30S$2,268.53AllianzS$2,041.66AllianzS$1,814.82AllianzS$1,466.91AllianzS$1,257.35AllianzS$1,047.78Allianz
35S$1,800.42AllianzS$1,620.36AllianzS$1,440.33AllianzS$1,164.21AllianzS$997.90AllianzS$831.57Allianz
40S$1,631.01AllianzS$1,467.90AllianzS$1,304.80AllianzS$1,054.66AllianzS$904.00AllianzS$753.33Allianz
45S$1,621.28AllianzS$1,459.14AllianzS$1,297.02AllianzS$1,048.37AllianzS$898.61AllianzS$748.83Allianz
50S$1,699.98AllianzS$1,529.97AllianzS$1,359.98AllianzS$1,099.26AllianzS$942.23AllianzS$785.18Allianz
55S$1,807.45AllianzS$1,626.69AllianzS$1,445.96AllianzS$1,168.76AllianzS$1,001.79AllianzS$834.82Allianz
60S$1,873.21AllianzS$1,685.88AllianzS$1,498.57AllianzS$1,211.28AllianzS$1,038.25AllianzS$865.20Allianz
65S$1,819.16AllianzS$1,637.23AllianzS$1,455.32AllianzS$1,176.33AllianzS$1,008.29AllianzS$840.23Allianz
70S$1,734.64AllianzS$1,561.16AllianzS$1,387.70AllianzS$1,121.67AllianzS$961.43AllianzS$801.19Allianz
75S$1,873.19AllianzS$1,685.86AllianzS$1,498.55AllianzS$1,211.27AllianzS$1,038.24AllianzS$865.19Allianz

Smart #3 insurance price by driver age and NCD, driver with 1 claim in the last 3 years (S$5,000.00), male driver

The lowest comprehensive price today for each main driver age and no-claim discount, and the insurer that offers it. This table: car 3 years old, male, married, office job, 1 claim of S$5,000.00 in the last 3 years, authorised workshop; driving experience counts from age 18. "Not possible": NCD grows 10% a year, so a young driver cannot have it yet. Ages with the same prices share a row. Every insurer's price for one driver: the plain-words address under "Prices for other drivers", or this page as markdown, where each price links its own.

Driver age0% NCD10% NCD20% NCD30% NCD40% NCD50% NCD
21S$5,329.20AIGS$4,796.27AIGS$4,263.34AIGNo online priceNot possibleNot possible
23S$3,710.86AIGS$3,339.77AIGS$2,968.67AIGNo online priceNo online priceNo online price
25S$3,392.25AIGS$3,053.02AIGS$2,713.79AIGNo online priceNo online priceNo online price
28S$3,062.69AIGS$2,756.42AIGS$2,450.15AIGNo online priceNo online priceNo online price
30S$2,852.28AIGS$2,567.05AIGS$2,281.81AIGNo online priceNo online priceNo online price
35S$2,381.99AIGS$2,143.78AIGS$1,905.58AIGNo online priceNo online priceNo online price
40S$2,098.15AIGS$1,888.33AIGS$1,678.51AIGNo online priceNo online priceNo online price
45S$2,094.96AIGS$1,885.46AIGS$1,675.96AIGNo online priceNo online priceNo online price
50S$2,418.30AIGS$2,176.46AIGS$1,934.63AIGNo online priceNo online priceNo online price
55S$2,730.25AIGS$2,457.22AIGS$2,184.20AIGNo online priceNo online priceNo online price
60S$2,842.93AIGS$2,558.63AIGS$2,274.33AIGNo online priceNo online priceNo online price
65S$2,802.54AIGS$2,522.28AIGS$2,242.02AIGNo online priceNo online priceNo online price
70S$3,471.49AIGS$2,999.35AIGS$2,666.09AIGNo online priceNo online priceNo online price
75S$3,749.20AIGS$3,249.37AIGS$2,888.27AIGNo online priceNo online priceNo online price

Prices for other drivers of the Smart #3

Every insurer's price for another driver of the Smart #3: each link changes one answer of the standard driver above (a 40-year-old married man, office job, 50% NCD, no claims, car 3 years old), and the page it opens links one answer further.

Any car and any driver, in plain words (change any word): /quote/car/prices?car=Smart+%233&age=40&ncd=50&gender=woman&claims=0&carAge=3. Words it takes: car (any model name), age, experience (years driving), ncd, gender (man or woman), claims (0, 1, 2), carAge (years), job (office or outdoor), married (yes or no).

The Smart #3 on our quote form

We priced the Smart #3 Brabus 66 kWh (electric), the version most of our insurers quote. The form lists 3 versions of the Smart #3; insurers can price them differently, so pick yours when you quote.

Insurers with no online price for the Smart #3

  • Budget Direct: This insurer has no online price for this car model yet.
  • DirectAsia: 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.
  • FWD: This insurer has no online price for this car model yet.
  • Great American: This insurer has no online price for electric cars.
  • Great Eastern: This insurer has no online price for this car model yet.
  • HL Assurance: This insurer has no online price for this car model yet.
  • Income: This insurer has no online price for this car model yet.
  • India International: This insurer has no online price for electric cars.
  • Liberty: This insurer has no online price for this car model yet.
  • MS First Capital: MS First Capital does not quote electric cars online.
  • MSIG: This insurer has no online price for this car model yet.
  • QBE: This insurer has no online price for this car model yet.
  • Singlife: This insurer has no online price for this car model yet.
  • Sompo: This insurer has no online price for this car model yet.
  • UOI: This insurer has no online price for this car model yet.

Some insurers give car prices only through their agents; they are on our insurer list.

The Smart #3 against similar cars

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

CarEngineLowest priceAgainst the Smart #3Insurers
BYD Sealion 7electricS$1,081.74 (as at 21 Oct 2026)S$328.41 more8
BYD Atto 3electricS$810.28 (as at 21 Oct 2026)S$56.95 more10
BYD M6electricS$859.46 (as at 21 Oct 2026)S$106.13 more9
BMW iX1electricS$1,154.64 (as at 21 Oct 2026)S$401.31 more6
Tesla Model 3electricS$697.24 (as at 21 Oct 2026)S$56.09 less10
Tesla Model YelectricS$795.85 (as at 21 Oct 2026)S$42.52 more10

COE for the Smart #3

A fully electric Smart #3 needs a Category A COE (S$139,001 in the November 2026, 1st round) if its motor is 110kW (147bhp) or less, and a Category B COE (S$132,334 in the November 2026, 1st round) if it is more powerful.

The COE is bought separately from insurance. The latest COE results are updated after every bidding round.

Buy with the Buy Now link beside each plan. The prices shown are only available through these links, which place your policy through Shenton Insurance Brokers. The insurer takes payment and issues the policy. This page is also available as markdown.

Questions people ask

How much is Smart #3 insurance for a 40-year-old man with 50% NCD?

S$753.33 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 40-year-old woman with 50% NCD?

S$680.66 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #3 insurance for a 21-year-old driver with no NCD?

S$5,329.20 a year, from AIG: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 3 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 23-year-old woman with no NCD?

S$3,686.69 a year, from AIG: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 5 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #3 insurance for a 25-year-old new driver with no NCD?

S$2,449.79 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 7 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 30-year-old with 20% NCD?

S$1,814.82 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 11 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 30-year-old woman with 50% NCD?

S$887.95 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 11 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #3 insurance for a 35-year-old with 30% NCD?

S$1,164.21 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving 15 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 50-year-old with 50% NCD?

S$785.18 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 60-year-old woman with 50% NCD?

S$788.94 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #3 insurance for a 70-year-old driver with 50% NCD?

S$801.19 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #3 insurance for a 40-year-old driver after one claim, with 20% NCD?

S$1,678.51 a year, from AIG: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 3 years old, male, married, office job, 1 claim of S$5,000.00 in the last 3 years, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, driver with 1 claim in the last 3 years (S$5,000.00), male driver" on this page.

How much is Smart #3 insurance for a new car (1 year old), driver aged 40 with 50% NCD?

S$753.33 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 1 year old, male, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, new car (1 year old), male driver" on this page.

How much is Smart #3 insurance for an 8-year-old car, driver aged 40 with 50% NCD?

S$753.33 a year, from Allianz: the lowest comprehensive price of the insurers we compare that price it online, on 12 Nov 2026. Assumed: car 8 years old, male, married, office job, no claims, driving more than 20 years, authorised workshop. Every insurer's price is one link away in the table "Smart #3 insurance price by driver age and NCD, older car (8 years old), male driver" on this page.

How much is car insurance for Smart #3 Brabus 66 kWh, 3 years old, 50% no-claim discount?

Today, 2 insurers price this, from S$753.33 to S$1,287.86 (as at 21 Oct 2026). The cheapest is Allianz Allianz Electric Motor Protect Comprehensive at S$753.33 (as at 21 Oct 2026). All prices include 9% GST.

What do these prices assume?

Smart #3 Brabus 66 kWh. 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.

Will my own price be the same?

Not always. These are example prices for the assumptions on this page, and your own price depends on your answers. The quote form opens with these answers filled in, so you can change anything that is different for you.

How much does a 50% no-claim discount save on Smart #3 insurance?

Today the lowest price for our standard driver is S$753.33 (as at 21 Oct 2026) with 50% NCD and S$1,631.01 (as at 21 Oct 2026) with no NCD, so the discount saves S$877.68 a year.

Do younger drivers pay more to insure a Smart #3?

Yes. A driver aged 27 with 3 years’ driving and 30% NCD pays from S$1,537.23 (as at 21 Oct 2026) today, S$783.90 more than our standard driver aged 40.

Which insurers have no online price for the Smart #3?

Budget Direct, DirectAsia, ECICS, ERGO, Etiqa, FWD, Great American, Great Eastern, HL Assurance, Income, India International, Liberty, MS First Capital, MSIG, QBE, Singlife, Sompo, UOI. They give no online price for this model; a broker can still ask them for one.