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Smart #5 car insurance: compare insurers and buy online

Smart #5 Premium 100 kWh, 3 years old, 50% no-claim discount

As of 12 Nov 2026 (Singapore time)

Compare car insurance for a Smart #5 Premium 100 kWh, 3 years old, 50% no-claim discount from 3 insurers on this page: S$830.22 to S$1,698.26 a year, GST included. Every plan has a Buy Now link.

On 12 Nov 2026, the cheapest car insurance for a Smart #5 Premium 100 kWh, 3 years old, 50% no-claim discount is S$830.22 a year (GST included) at Allianz, Allianz Electric Motor Protect Comprehensive (as at 21 Oct 2026); 3 insurers price it online, up to S$1,698.26 (as at 20 Oct 2026).

Buy at these prices through Shenton Insurance Brokers: https://shentonbrokers.com/prices/car/smart-5

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 #5 in short

For the driver above, Allianz is cheapest for the Smart #5 today, at S$830.22 for its Allianz Electric Motor Protect Comprehensive plan. 3 insurers price it; the dearest of them, Great Eastern, asks at least S$1,698.26, S$868.04 (105% 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$1,797.50, 117% more. Against 6 similar cars (below) it costs 8% less than their average lowest price of S$899.87; 3 of them are cheaper to insure.

What we assumed

  • Smart #5 Premium 100 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$1,035.78S$830.22code AZMPEVS$2,000.0021 Oct 2026
AllianzAllianz Electric Motor Protect Comprehensive (Standard)Buy NowAllianz Electric Motor Protect Comprehensive (Standard)S$1,301.82S$1,096.26code AZMPEVS$600.0021 Oct 2026
AIGAIG Car Insurance Collision OnlyBuy NowAIG Car Insurance Collision OnlyS$1,110.93S$1,500.0021 Oct 2026
AIGAIG Car Insurance CompleteBuy NowAIG Car Insurance CompleteS$1,317.38S$1,500.0021 Oct 2026
Great EasternGREAT EV Protect Comprehensive (Any Workshop)Buy NowGREAT EV Protect Comprehensive (Any Workshop)S$1,698.26S$900.0020 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-5-premium-100-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 #5 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$830.22 (as at 21 Oct 2026)3Allianz
The same driver with no NCD (0%)S$1,797.50 (as at 21 Oct 2026)S$967.28 more3Allianz
The same driver with 20% NCDS$1,438.00 (as at 21 Oct 2026)S$607.78 more3Allianz
Driver aged 27, 3 years’ driving, 30% NCDS$1,694.16 (as at 21 Oct 2026)S$863.94 more3Allianz
Driver aged 65, 20 years’ driving, 50% NCDS$926.00 (as at 21 Oct 2026)S$95.78 more3Allianz
A new car (registered this year)S$830.22 (as at 21 Oct 2026)the same2Allianz
A car 8 years oldS$830.22 (as at 21 Oct 2026)the same3Allianz

Open a line to get a quote with those answers filled in. Quotes by driver: the Smart #5 priced for 73 typical drivers, from new drivers to over-70s.

Smart #5 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$5,546.94AIGS$4,992.24AIGS$4,437.53AIGS$3,688.71AIGNot possibleNot possible
22S$5,214.45AIGS$4,693.00AIGS$4,171.55AIGS$3,467.61AIGS$2,972.26AIGNot possible
23S$3,861.51AIGS$3,475.36AIGS$3,089.19AIGS$2,567.90AIGS$2,201.07AIGS$1,834.22AIG
24S$3,647.47AIGS$3,282.71AIGS$2,917.96AIGS$2,425.57AIGS$2,079.07AIGS$1,732.54AIG
25S$2,699.86AllianzS$2,429.86AllianzS$2,159.88AllianzS$1,745.81AllianzS$1,496.42AllianzS$1,247.01Allianz
26S$2,659.90AllianzS$2,393.89AllianzS$2,127.91AllianzS$1,719.97AllianzS$1,474.27AllianzS$1,228.55Allianz
27S$2,619.96AllianzS$2,357.95AllianzS$2,095.96AllianzS$1,694.16AllianzS$1,452.14AllianzS$1,210.10Allianz
28S$2,580.00AllianzS$2,321.99AllianzS$2,064.00AllianzS$1,668.31AllianzS$1,429.99AllianzS$1,191.65Allianz
29S$2,540.04AllianzS$2,286.02AllianzS$2,032.03AllianzS$1,642.47AllianzS$1,407.84AllianzS$1,173.19Allianz
30S$2,500.10AllianzS$2,250.08AllianzS$2,000.08AllianzS$1,616.64AllianzS$1,385.70AllianzS$1,154.74Allianz
31S$2,357.56AllianzS$2,121.79AllianzS$1,886.04AllianzS$1,524.47AllianzS$1,306.70AllianzS$1,088.91Allianz
32S$2,237.76AllianzS$2,013.97AllianzS$1,790.21AllianzS$1,447.01AllianzS$1,240.30AllianzS$1,033.57Allianz
33S$2,137.36AllianzS$1,923.61AllianzS$1,709.88AllianzS$1,382.09AllianzS$1,184.65AllianzS$987.20Allianz
34S$2,053.58AllianzS$1,848.21AllianzS$1,642.86AllianzS$1,327.91AllianzS$1,138.22AllianzS$948.50Allianz
35S$1,984.20AllianzS$1,785.77AllianzS$1,587.36AllianzS$1,283.05AllianzS$1,099.76AllianzS$916.46Allianz
36S$1,927.32AllianzS$1,734.58AllianzS$1,541.85AllianzS$1,246.27AllianzS$1,068.23AllianzS$890.18Allianz
37S$1,881.40AllianzS$1,693.25AllianzS$1,505.11AllianzS$1,216.57AllianzS$1,042.78AllianzS$868.98Allianz
38S$1,845.17AllianzS$1,660.64AllianzS$1,476.13AllianzS$1,193.15AllianzS$1,022.71AllianzS$852.25Allianz
39S$1,817.53AllianzS$1,635.76AllianzS$1,454.02AllianzS$1,175.28AllianzS$1,007.38AllianzS$839.47Allianz
40S$1,797.50AllianzS$1,617.74AllianzS$1,438.00AllianzS$1,162.33AllianzS$996.28AllianzS$830.22Allianz
41S$1,784.32AllianzS$1,605.87AllianzS$1,427.45AllianzS$1,153.80AllianzS$988.97AllianzS$824.14Allianz
42S$1,777.26AllianzS$1,599.53AllianzS$1,421.81AllianzS$1,149.24AllianzS$985.06AllianzS$820.87Allianz
43S$1,775.73AllianzS$1,598.15AllianzS$1,420.58AllianzS$1,148.25AllianzS$984.21AllianzS$820.17Allianz
44S$1,779.05AllianzS$1,601.14AllianzS$1,423.24AllianzS$1,150.39AllianzS$986.05AllianzS$821.71Allianz
45S$1,786.78AllianzS$1,608.09AllianzS$1,429.42AllianzS$1,155.39AllianzS$990.34AllianzS$825.27Allianz
46S$1,798.38AllianzS$1,618.53AllianzS$1,438.70AllianzS$1,162.89AllianzS$996.77AllianzS$830.63Allianz
47S$1,813.38AllianzS$1,632.03AllianzS$1,450.70AllianzS$1,172.59AllianzS$1,005.08AllianzS$837.56Allianz
48S$1,831.20AllianzS$1,648.07AllianzS$1,464.95AllianzS$1,184.11AllianzS$1,014.96AllianzS$845.79Allianz
49S$1,851.44AllianzS$1,666.28AllianzS$1,481.15AllianzS$1,197.20AllianzS$1,026.18AllianzS$855.14Allianz
50S$1,873.52AllianzS$1,686.15AllianzS$1,498.81AllianzS$1,211.48AllianzS$1,038.41AllianzS$865.34Allianz
51S$1,896.90AllianzS$1,707.20AllianzS$1,517.52AllianzS$1,226.60AllianzS$1,051.37AllianzS$876.13Allianz
52S$1,921.05AllianzS$1,728.94AllianzS$1,536.84AllianzS$1,242.21AllianzS$1,064.76AllianzS$887.29Allianz
53S$1,945.36AllianzS$1,750.81AllianzS$1,556.28AllianzS$1,257.93AllianzS$1,078.24AllianzS$898.52Allianz
54S$1,969.20AllianzS$1,772.27AllianzS$1,575.36AllianzS$1,273.35AllianzS$1,091.45AllianzS$909.53Allianz
55S$1,991.96AllianzS$1,792.75AllianzS$1,593.56AllianzS$1,288.06AllianzS$1,104.06AllianzS$920.04Allianz
56S$2,012.87AllianzS$1,811.57AllianzS$1,610.29AllianzS$1,301.59AllianzS$1,115.66AllianzS$929.70Allianz
57S$2,031.33AllianzS$1,828.18AllianzS$1,625.06AllianzS$1,313.52AllianzS$1,125.88AllianzS$938.22Allianz
58S$2,046.55AllianzS$1,841.88AllianzS$1,637.23AllianzS$1,323.37AllianzS$1,134.32AllianzS$945.25Allianz
59S$2,057.81AllianzS$1,852.02AllianzS$1,646.25AllianzS$1,330.64AllianzS$1,140.56AllianzS$950.46Allianz
60S$2,064.43AllianzS$1,857.97AllianzS$1,651.54AllianzS$1,334.93AllianzS$1,144.23AllianzS$953.51Allianz
61S$2,065.67AllianzS$1,859.09AllianzS$1,652.53AllianzS$1,335.74AllianzS$1,144.92AllianzS$954.09Allianz
62S$2,060.91AllianzS$1,854.81AllianzS$1,648.73AllianzS$1,332.65AllianzS$1,142.28AllianzS$951.89Allianz
63S$2,049.56AllianzS$1,844.59AllianzS$1,639.64AllianzS$1,325.32AllianzS$1,135.99AllianzS$946.65Allianz
64S$2,031.00AllianzS$1,827.89AllianzS$1,624.79AllianzS$1,313.31AllianzS$1,125.70AllianzS$938.07Allianz
65S$2,004.86AllianzS$1,804.36AllianzS$1,603.88AllianzS$1,296.41AllianzS$1,111.21AllianzS$926.00Allianz
66S$1,990.54AllianzS$1,791.47AllianzS$1,592.42AllianzS$1,287.14AllianzS$1,103.27AllianzS$919.39Allianz
67S$1,986.52AllianzS$1,787.85AllianzS$1,589.21AllianzS$1,284.55AllianzS$1,101.04AllianzS$917.53Allianz
68S$1,972.26AllianzS$1,775.02AllianzS$1,577.80AllianzS$1,275.33AllianzS$1,093.15AllianzS$910.94Allianz
69S$1,947.39AllianzS$1,752.64AllianzS$1,557.91AllianzS$1,259.25AllianzS$1,079.36AllianzS$899.45Allianz
70S$1,911.71AllianzS$1,720.52AllianzS$1,529.36AllianzS$1,236.17AllianzS$1,059.59AllianzS$882.97Allianz
71S$1,906.55AllianzS$1,715.89AllianzS$1,525.24AllianzS$1,232.84AllianzS$1,056.72AllianzS$880.60Allianz
72S$1,979.09AllianzS$1,781.17AllianzS$1,583.27AllianzS$1,279.75AllianzS$1,096.93AllianzS$914.10Allianz
73S$2,003.84AllianzS$1,803.44AllianzS$1,603.06AllianzS$1,295.75AllianzS$1,110.64AllianzS$925.53Allianz
74S$2,033.90AllianzS$1,830.50AllianzS$1,627.12AllianzS$1,315.19AllianzS$1,127.31AllianzS$939.41Allianz
75S$2,064.41AllianzS$1,857.95AllianzS$1,651.52AllianzS$1,334.91AllianzS$1,144.22AllianzS$953.50Allianz

Smart #5 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$5,477.63AIGS$4,929.86AIGS$4,382.09AIGS$3,642.63AIGNot possibleNot possible
22S$5,152.38AIGS$4,637.13AIGS$4,121.89AIGS$3,426.33AIGS$2,936.87AIGNot possible
23S$3,836.41AIGS$3,452.76AIGS$3,069.11AIGS$2,551.21AIGS$2,186.76AIGS$1,822.29AIG
24S$3,623.30AIGS$3,260.96AIGS$2,898.63AIGS$2,409.49AIGS$2,065.29AIGS$1,721.07AIG
25S$2,583.60AllianzS$2,325.23AllianzS$2,066.88AllianzS$1,670.65AllianzS$1,431.99AllianzS$1,193.31Allianz
26S$2,490.63AllianzS$2,241.55AllianzS$1,992.50AllianzS$1,610.52AllianzS$1,380.45AllianzS$1,150.36Allianz
27S$2,397.63AllianzS$2,157.85AllianzS$1,918.10AllianzS$1,550.38AllianzS$1,328.91AllianzS$1,107.41Allianz
28S$2,341.33AllianzS$2,107.19AllianzS$1,873.06AllianzS$1,513.98AllianzS$1,297.70AllianzS$1,081.40Allianz
29S$2,290.91AllianzS$2,061.81AllianzS$1,832.73AllianzS$1,481.38AllianzS$1,269.76AllianzS$1,058.12Allianz
30S$2,118.74AllianzS$1,906.85AllianzS$1,694.98AllianzS$1,370.04AllianzS$1,174.33AllianzS$978.60Allianz
31S$2,091.86AllianzS$1,882.66AllianzS$1,673.48AllianzS$1,352.66AllianzS$1,159.43AllianzS$966.18Allianz
32S$1,983.29AllianzS$1,784.94AllianzS$1,586.62AllianzS$1,282.45AllianzS$1,099.25AllianzS$916.03Allianz
33S$1,862.25AllianzS$1,676.01AllianzS$1,489.79AllianzS$1,204.19AllianzS$1,032.17AllianzS$860.13Allianz
34S$1,807.48AllianzS$1,626.72AllianzS$1,445.98AllianzS$1,168.77AllianzS$1,001.81AllianzS$834.83Allianz
35S$1,778.46AllianzS$1,600.61AllianzS$1,422.77AllianzS$1,150.01AllianzS$985.73AllianzS$821.43Allianz
36S$1,789.71AllianzS$1,610.73AllianzS$1,431.76AllianzS$1,157.28AllianzS$991.97AllianzS$826.63Allianz
37S$1,711.12AllianzS$1,540.00AllianzS$1,368.89AllianzS$1,106.47AllianzS$948.40AllianzS$790.33Allianz
38S$1,654.92AllianzS$1,489.41AllianzS$1,323.93AllianzS$1,070.13AllianzS$917.25AllianzS$764.37Allianz
39S$1,612.86AllianzS$1,451.56AllianzS$1,290.28AllianzS$1,042.93AllianzS$893.94AllianzS$744.94Allianz
40S$1,624.10AllianzS$1,461.68AllianzS$1,299.28AllianzS$1,050.20AllianzS$900.17AllianzS$750.13Allianz
41S$1,618.08AllianzS$1,456.26AllianzS$1,294.46AllianzS$1,046.30AllianzS$896.84AllianzS$747.35Allianz
42S$1,563.58AllianzS$1,407.21AllianzS$1,250.86AllianzS$1,011.06AllianzS$866.63AllianzS$722.18Allianz
43S$1,602.97AllianzS$1,442.66AllianzS$1,282.37AllianzS$1,036.53AllianzS$888.46AllianzS$740.38Allianz
44S$1,578.71AllianzS$1,420.83AllianzS$1,262.96AllianzS$1,020.84AllianzS$875.02AllianzS$729.17Allianz
45S$1,625.35AllianzS$1,462.80AllianzS$1,300.28AllianzS$1,051.00AllianzS$900.86AllianzS$750.72Allianz
46S$1,588.86AllianzS$1,429.96AllianzS$1,271.08AllianzS$1,027.41AllianzS$880.64AllianzS$733.86Allianz
47S$1,667.75AllianzS$1,500.97AllianzS$1,334.20AllianzS$1,078.42AllianzS$924.36AllianzS$770.30Allianz
48S$1,606.26AllianzS$1,445.63AllianzS$1,285.01AllianzS$1,038.66AllianzS$890.29AllianzS$741.89Allianz
49S$1,635.50AllianzS$1,471.94AllianzS$1,308.40AllianzS$1,057.57AllianzS$906.49AllianzS$755.40Allianz
50S$1,689.98AllianzS$1,520.98AllianzS$1,351.98AllianzS$1,092.79AllianzS$936.69AllianzS$780.56Allianz
51S$1,644.37AllianzS$1,479.92AllianzS$1,315.49AllianzS$1,063.30AllianzS$911.40AllianzS$759.50Allianz
52S$1,680.94AllianzS$1,512.84AllianzS$1,344.75AllianzS$1,086.96AllianzS$931.68AllianzS$776.39Allianz
53S$1,746.84AllianzS$1,572.15AllianzS$1,397.47AllianzS$1,129.57AllianzS$968.21AllianzS$806.82Allianz
54S$1,754.84AllianzS$1,579.34AllianzS$1,403.87AllianzS$1,134.73AllianzS$972.63AllianzS$810.52Allianz
55S$1,741.23AllianzS$1,567.10AllianzS$1,392.98AllianzS$1,125.94AllianzS$965.09AllianzS$804.24Allianz
56S$1,786.70AllianzS$1,608.01AllianzS$1,429.35AllianzS$1,155.33AllianzS$990.29AllianzS$825.24Allianz
57S$1,728.76AllianzS$1,555.88AllianzS$1,383.01AllianzS$1,117.87AllianzS$958.18AllianzS$798.47Allianz
58S$1,848.80AllianzS$1,663.91AllianzS$1,479.03AllianzS$1,195.49AllianzS$1,024.71AllianzS$853.92Allianz
59S$1,804.45AllianzS$1,623.99AllianzS$1,443.55AllianzS$1,166.82AllianzS$1,000.13AllianzS$833.43Allianz
60S$1,882.49AllianzS$1,694.23AllianzS$1,505.99AllianzS$1,217.28AllianzS$1,043.39AllianzS$869.48Allianz
61S$1,852.31AllianzS$1,667.07AllianzS$1,481.85AllianzS$1,197.76AllianzS$1,026.66AllianzS$855.54Allianz
62S$1,886.42AllianzS$1,697.77AllianzS$1,509.13AllianzS$1,219.82AllianzS$1,045.56AllianzS$871.29Allianz
63S$1,874.98AllianzS$1,687.47AllianzS$1,499.98AllianzS$1,212.42AllianzS$1,039.22AllianzS$866.01Allianz
64S$1,874.24AllianzS$1,686.80AllianzS$1,499.38AllianzS$1,211.94AllianzS$1,038.81AllianzS$865.67Allianz
65S$1,931.08AllianzS$1,737.96AllianzS$1,544.86AllianzS$1,248.70AllianzS$1,070.32AllianzS$891.92Allianz
66S$1,833.91AllianzS$1,650.50AllianzS$1,467.12AllianzS$1,185.86AllianzS$1,016.46AllianzS$847.04Allianz
67S$1,827.77AllianzS$1,644.98AllianzS$1,462.21AllianzS$1,181.89AllianzS$1,013.05AllianzS$844.21Allianz
68S$1,780.76AllianzS$1,602.67AllianzS$1,424.60AllianzS$1,151.50AllianzS$987.00AllianzS$822.49Allianz
69S$1,898.93AllianzS$1,709.03AllianzS$1,519.14AllianzS$1,227.91AllianzS$1,052.50AllianzS$877.08Allianz
70S$1,907.52AllianzS$1,716.75AllianzS$1,526.01AllianzS$1,233.47AllianzS$1,057.26AllianzS$881.04Allianz
71S$1,945.66AllianzS$1,751.08AllianzS$1,556.53AllianzS$1,258.13AllianzS$1,078.40AllianzS$898.66Allianz
72S$1,984.58AllianzS$1,786.11AllianzS$1,587.66AllianzS$1,283.29AllianzS$1,099.97AllianzS$916.63Allianz
73S$2,024.25AllianzS$1,821.81AllianzS$1,619.40AllianzS$1,308.95AllianzS$1,121.96AllianzS$934.96Allianz
74S$2,064.73AllianzS$1,858.25AllianzS$1,651.78AllianzS$1,335.13AllianzS$1,144.40AllianzS$953.66Allianz
75S$2,106.05AllianzS$1,895.43AllianzS$1,684.83AllianzS$1,361.84AllianzS$1,167.30AllianzS$972.73Allianz

Smart #5 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$6,040.75AIGS$5,436.66AIGS$4,832.57AIGS$4,017.09AIGNot possibleNot possible
23S$4,208.50AIGS$3,787.64AIGS$3,366.78AIGS$2,798.64AIGS$2,398.85AIGS$1,999.04AIG
25S$2,699.86AllianzS$2,429.86AllianzS$2,159.88AllianzS$1,745.81AllianzS$1,496.42AllianzS$1,247.01Allianz
28S$2,580.00AllianzS$2,321.99AllianzS$2,064.00AllianzS$1,668.31AllianzS$1,429.99AllianzS$1,191.65Allianz
30S$2,500.10AllianzS$2,250.08AllianzS$2,000.08AllianzS$1,616.64AllianzS$1,385.70AllianzS$1,154.74Allianz
35S$1,984.20AllianzS$1,785.77AllianzS$1,587.36AllianzS$1,283.05AllianzS$1,099.76AllianzS$916.46Allianz
40S$1,797.50AllianzS$1,617.74AllianzS$1,438.00AllianzS$1,162.33AllianzS$996.28AllianzS$830.22Allianz
45S$1,786.78AllianzS$1,608.09AllianzS$1,429.42AllianzS$1,155.39AllianzS$990.34AllianzS$825.27Allianz
50S$1,873.52AllianzS$1,686.15AllianzS$1,498.81AllianzS$1,211.48AllianzS$1,038.41AllianzS$865.34Allianz
55S$1,991.96AllianzS$1,792.75AllianzS$1,593.56AllianzS$1,288.06AllianzS$1,104.06AllianzS$920.04Allianz
60S$2,064.43AllianzS$1,857.97AllianzS$1,651.54AllianzS$1,334.93AllianzS$1,144.23AllianzS$953.51Allianz
65S$2,004.86AllianzS$1,804.36AllianzS$1,603.88AllianzS$1,296.41AllianzS$1,111.21AllianzS$926.00Allianz
70S$1,911.71AllianzS$1,720.52AllianzS$1,529.36AllianzS$1,236.17AllianzS$1,059.59AllianzS$882.97Allianz
75S$2,064.41AllianzS$1,857.95AllianzS$1,651.52AllianzS$1,334.91AllianzS$1,144.22AllianzS$953.50Allianz

Smart #5 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$5,644.89AIGS$5,080.39AIGS$4,515.90AIGS$3,753.85AIGNot possibleNot possible
23S$3,927.66AIGS$3,534.90AIGS$3,142.12AIGS$2,611.90AIGS$2,238.78AIGS$1,865.64AIG
25S$2,699.86AllianzS$2,429.86AllianzS$2,159.88AllianzS$1,745.81AllianzS$1,496.42AllianzS$1,247.01Allianz
28S$2,580.00AllianzS$2,321.99AllianzS$2,064.00AllianzS$1,668.31AllianzS$1,429.99AllianzS$1,191.65Allianz
30S$2,500.10AllianzS$2,250.08AllianzS$2,000.08AllianzS$1,616.64AllianzS$1,385.70AllianzS$1,154.74Allianz
35S$1,984.20AllianzS$1,785.77AllianzS$1,587.36AllianzS$1,283.05AllianzS$1,099.76AllianzS$916.46Allianz
40S$1,797.50AllianzS$1,617.74AllianzS$1,438.00AllianzS$1,162.33AllianzS$996.28AllianzS$830.22Allianz
45S$1,786.78AllianzS$1,608.09AllianzS$1,429.42AllianzS$1,155.39AllianzS$990.34AllianzS$825.27Allianz
50S$1,873.52AllianzS$1,686.15AllianzS$1,498.81AllianzS$1,211.48AllianzS$1,038.41AllianzS$865.34Allianz
55S$1,991.96AllianzS$1,792.75AllianzS$1,593.56AllianzS$1,288.06AllianzS$1,104.06AllianzS$920.04Allianz
60S$2,064.43AllianzS$1,857.97AllianzS$1,651.54AllianzS$1,334.93AllianzS$1,144.23AllianzS$953.51Allianz
65S$2,004.86AllianzS$1,804.36AllianzS$1,603.88AllianzS$1,296.41AllianzS$1,111.21AllianzS$926.00Allianz
70S$1,911.71AllianzS$1,720.52AllianzS$1,529.36AllianzS$1,236.17AllianzS$1,059.59AllianzS$882.97Allianz
75S$2,064.41AllianzS$1,857.95AllianzS$1,651.52AllianzS$1,334.91AllianzS$1,144.22AllianzS$953.50Allianz

Smart #5 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$5,546.94AIGS$4,992.24AIGS$4,437.53AIGNo online priceNot possibleNot possible
23S$3,861.51AIGS$3,475.36AIGS$3,089.19AIGNo online priceNo online priceNo online price
25S$3,529.51AIGS$3,176.55AIGS$2,823.59AIGNo online priceNo online priceNo online price
28S$3,185.72AIGS$2,867.15AIGS$2,548.57AIGS$3,366.21Great EasternS$2,885.32Great EasternS$2,404.43Great Eastern
30S$2,966.20AIGS$2,669.57AIGS$2,372.95AIGS$3,252.00Great EasternS$2,787.44Great EasternS$2,322.86Great Eastern
35S$2,475.26AIGS$2,227.73AIGS$1,980.20AIGS$3,157.81Great EasternS$2,706.69Great EasternS$2,255.57Great Eastern
40S$2,178.22AIGS$1,960.40AIGS$1,742.57AIGS$2,615.32Great EasternS$2,241.70Great EasternS$1,868.09Great Eastern
45S$2,175.30AIGS$1,957.76AIGS$1,740.23AIGS$2,569.64Great EasternS$2,202.55Great EasternS$1,835.46Great Eastern
50S$2,513.31AIGS$2,261.98AIGS$2,010.64AIGS$2,769.47Great EasternS$2,373.83Great EasternS$1,978.20Great Eastern
55S$2,838.38AIGS$2,554.53AIGS$2,270.70AIGS$2,735.26Great EasternS$2,344.50Great EasternS$1,953.76Great Eastern
60S$2,958.03AIGS$2,662.23AIGS$2,366.42AIGS$2,792.33Great EasternS$2,393.42Great EasternS$1,994.53Great Eastern
65S$2,922.19AIGS$2,629.97AIGS$2,337.74AIGS$2,840.89Great EasternS$2,435.05Great EasternS$2,029.21Great Eastern
70S$3,623.64AIGS$3,130.81AIGS$2,782.93AIGNo online priceNo online priceNo online price
75S$3,913.51AIGS$3,391.77AIGS$3,014.86AIGNo online priceNo online priceNo online price

Prices for other drivers of the Smart #5

Every insurer's price for another driver of the Smart #5: 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+%235&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 #5 on our quote form

We priced the Smart #5 Premium 100 kWh (electric), the version most of our insurers quote. The form lists 2 versions of the Smart #5; insurers can price them differently, so pick yours when you quote.

Insurers with no online price for the Smart #5

  • 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.
  • 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 #5 against similar cars

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

CarEngineLowest priceAgainst the Smart #5Insurers
BYD Sealion 7electricS$1,081.74 (as at 21 Oct 2026)S$251.52 more8
BYD Atto 3electricS$810.28 (as at 21 Oct 2026)S$19.94 less10
BYD M6electricS$859.46 (as at 21 Oct 2026)S$29.24 more9
BMW iX1electricS$1,154.64 (as at 21 Oct 2026)S$324.42 more6
Tesla Model 3electricS$697.24 (as at 21 Oct 2026)S$132.98 less10
Tesla Model YelectricS$795.85 (as at 21 Oct 2026)S$34.37 less10

COE for the Smart #5

A fully electric Smart #5 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 #5 insurance for a 40-year-old man with 50% NCD?

S$830.22 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 40-year-old woman with 50% NCD?

S$750.13 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 #5 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #5 insurance for a 21-year-old driver with no NCD?

S$5,546.94 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 23-year-old woman with no NCD?

S$3,836.41 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 #5 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #5 insurance for a 25-year-old new driver with no NCD?

S$2,699.86 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 30-year-old with 20% NCD?

S$2,000.08 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 30-year-old woman with 50% NCD?

S$978.60 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 #5 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #5 insurance for a 35-year-old with 30% NCD?

S$1,283.05 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 50-year-old with 50% NCD?

S$865.34 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 60-year-old woman with 50% NCD?

S$869.48 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 #5 insurance price by driver age and NCD, female driver (woman)" on this page.

How much is Smart #5 insurance for a 70-year-old driver with 50% NCD?

S$882.97 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 #5 insurance price by driver age and NCD, male driver (man)" on this page.

How much is Smart #5 insurance for a 40-year-old driver after one claim, with 20% NCD?

S$1,742.57 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 #5 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 #5 insurance for a new car (1 year old), driver aged 40 with 50% NCD?

S$830.22 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 #5 insurance price by driver age and NCD, new car (1 year old), male driver" on this page.

How much is Smart #5 insurance for an 8-year-old car, driver aged 40 with 50% NCD?

S$830.22 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 #5 insurance price by driver age and NCD, older car (8 years old), male driver" on this page.

How much is car insurance for Smart #5 Premium 100 kWh, 3 years old, 50% no-claim discount?

Today, 3 insurers price this, from S$830.22 to S$1,698.26 (as at 20 Oct 2026). The cheapest is Allianz Allianz Electric Motor Protect Comprehensive at S$830.22 (as at 21 Oct 2026). All prices include 9% GST.

What do these prices assume?

Smart #5 Premium 100 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 #5 insurance?

Today the lowest price for our standard driver is S$830.22 (as at 21 Oct 2026) with 50% NCD and S$1,797.50 (as at 21 Oct 2026) with no NCD, so the discount saves S$967.28 a year.

Do younger drivers pay more to insure a Smart #5?

Yes. A driver aged 27 with 3 years’ driving and 30% NCD pays from S$1,694.16 (as at 21 Oct 2026) today, S$863.94 more than our standard driver aged 40.

Which insurers have no online price for the Smart #5?

Budget Direct, DirectAsia, ECICS, ERGO, Etiqa, FWD, Great American, 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.