# Car insurance: Subaru Legacy 2.0, 3 years old, 50% no-claim discount

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

## Assumptions

- Subaru Legacy 2.0
- 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 |
| --- | --- | --- | --- | --- |
| Allianz | Allianz Motor Protect Comprehensive | S$752.97 | S$2,000.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$853.44 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$944.05 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$944.05 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,002.15 | S$1,200.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,046.99 | S$2,500.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,057.66 (estimate) | S$800.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,096.03 (estimate) | S$800.00 | 21 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,096.07 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$1,126.29 | S$600.00 | 21 Oct 2026 |
| Singlife | Motor Lite | S$1,169.12 | S$3,000.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$1,210.02 | S$500.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,261.98 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Premium | S$1,274.46 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,274.46 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,297.78 | S$600.00 | 21 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,326.70 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Standard | S$1,343.82 | S$2,500.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,344.37 | S$500.00 | 23 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,525.98 (estimate) | S$800.00 | 21 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,585.57 (estimate) | S$600.00 | 22 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,804.40 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Prestige | S$1,841.01 | S$2,500.00 | 20 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 Subaru Legacy in short

For the driver above, Allianz is cheapest for the Subaru Legacy today, at S$752.97 for its Allianz Motor Protect Comprehensive plan. 15 insurers price it; the dearest of them, Liberty, asks at least S$1,585.57, S$832.60 (111% 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$1,057.66, 40% more. Against 6 similar cars (below) it costs 13% less than their average lowest price of S$862.19; one of them is cheaper to insure.

## How the Subaru Legacy 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$752.97 (as at 21 Oct 2026) |  | 15 | Allianz |
| The same driver with no NCD (0%) | S$1,057.66 (as at 21 Oct 2026) | S$304.69 more | 15 | DirectAsia |
| The same driver with 20% NCD | S$1,057.66 (as at 21 Oct 2026) | S$304.69 more | 15 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,057.66 (as at 21 Oct 2026) | S$304.69 more | 15 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$839.83 (as at 21 Oct 2026) | S$86.86 more | 14 | Allianz |
| A new car (registered this year) | S$752.97 (as at 21 Oct 2026) | the same | 14 | Allianz |
| A car 8 years old | S$752.97 (as at 21 Oct 2026) | the same | 15 | Allianz |

## The Subaru Legacy on our quote form

We priced the Subaru Legacy 2.0 (1,992cc), the version most of our insurers quote.

Versions on the form:

- [Subaru Legacy 2.0](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-0&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) (1,992cc)
- [Subaru Legacy 2.0 GT AWD S](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-0-gt-awd-s&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) (1,994cc)
- [Subaru Legacy 2.0 Wagon](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-0-wagon&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) (1,994cc)
- [Subaru Legacy 2.5](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-5&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) (2,455cc)
- [Subaru Legacy 2.5 GT B Wagon](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-5-gt-b-wagon&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) (2,457cc)
- [Subaru Legacy 2.5 Wagon](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-2-5-wagon&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) (2,457cc)
- [Subaru Legacy 3.0 R](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-3-0-r&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) (2,998cc)
- [Subaru Legacy B4 2.5](https://shentonbrokers.com/quote/car?brand=subaru&model=subaru-legacy-b4-2-5&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) (2,457cc)

## Insurers with no online price for the Subaru Legacy

- Budget Direct: This insurer has no online price for this car model yet.
- ECICS: ECICS does not list this model on its online quote.
- India International: This insurer has no online price for this car model yet.

## The Subaru Legacy against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Toyota Harrier](https://shentonbrokers.com/prices/car/toyota-harrier) | 1,986cc | S$742.90 (as at 20 Oct 2026) | 17 |
| [Mercedes-Benz E-Class](https://shentonbrokers.com/prices/car/mercedes-benz-e-class) | 1,991cc | S$861.03 (as at 20 Oct 2026) | 15 |
| [BMW 5 Series](https://shentonbrokers.com/prices/car/bmw-5-series) | 1,998cc | S$861.03 (as at 20 Oct 2026) | 17 |
| [Toyota Voxy](https://shentonbrokers.com/prices/car/toyota-voxy) | 1,797cc | S$763.41 (as at 20 Oct 2026) | 15 |
| [Lexus NX](https://shentonbrokers.com/prices/car/lexus-nx) | 1,998cc | S$972.39 (as at 20 Oct 2026) | 16 |
| [Lexus RX](https://shentonbrokers.com/prices/car/lexus-rx) | 1,998cc | S$972.39 (as at 20 Oct 2026) | 16 |

## COE for the Subaru Legacy

With a 1,992cc engine, above 1,600cc, the Subaru Legacy 2.0 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=subaru&model=subaru-legacy-2-0&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/subaru-legacy