# Car insurance: Toyota Harrier 2.0 E Panoramic, 3 years old, 50% no-claim discount

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

## Assumptions

- Toyota Harrier 2.0 E Panoramic
- 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 |
| --- | --- | --- | --- | --- |
| India International | Comprehensive (any workshop or authorised workshops) | S$742.90 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$806.41 | S$1,200.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$887.36 | S$2,500.00 | 20 Oct 2026 |
| ECICS | Comprehensive | S$909.62 | S$750.00 | 22 Oct 2026 |
| ERGO | SMART Comprehensive | S$910.85 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Classic | S$928.33 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$928.33 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$964.49 | S$2,000.00 | 21 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$1,021.64 | S$600.00 | 20 Oct 2026 |
| AIG | AIG Car Insurance Collision Only | S$1,064.16 | S$600.00 | 21 Oct 2026 |
| FWD | Drivo Advantage | S$1,067.58 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,067.58 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,160.40 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,160.40 | S$600.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,162.16 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Lite | S$1,181.02 | S$3,000.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,182.50 | S$3,000.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,201.89 | S$500.00 | 18 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,228.81 (estimate) | S$800.00 | 21 Oct 2026 |
| AIG | AIG Car Insurance Complete | S$1,242.39 | S$600.00 | 21 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,255.49 | S$600.00 | 20 Oct 2026 |
| ECICS | Comprehensive Family NCD Builder | S$1,259.61 | S$750.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,273.39 (estimate) | S$800.00 | 21 Oct 2026 |
| MS First Capital | Comprehensive | S$1,283.72 | S$500.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,357.49 | S$2,500.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,550.70 (estimate) | S$600.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,772.94 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$1,859.76 | 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 Toyota Harrier in short

For the driver above, India International is cheapest for the Toyota Harrier today, at S$742.90 for its Comprehensive (any workshop or authorised workshops) plan. 17 insurers price it; the dearest of them, Liberty, asks at least S$1,550.70, S$807.80 (109% 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$1,228.81, 65% more. Against 6 similar cars (below) it costs 20% less than their average lowest price of S$932.14; none of them is cheaper to insure.

## How the Toyota Harrier 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$742.90 (as at 20 Oct 2026) |  | 17 | India International |
| The same driver with no NCD (0%) | S$1,228.81 (as at 21 Oct 2026) | S$485.91 more | 17 | DirectAsia |
| The same driver with 20% NCD | S$1,228.81 (as at 21 Oct 2026) | S$485.91 more | 17 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,228.81 (as at 21 Oct 2026) | S$485.91 more | 17 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$742.90 (as at 20 Oct 2026) | the same | 16 | India International |
| A new car (registered this year) | S$764.82 (as at 20 Oct 2026) | S$21.92 more | 16 | India International |
| A car 8 years old | S$666.79 (as at 20 Oct 2026) | S$76.11 less | 17 | India International |

## The Toyota Harrier on our quote form

We priced the Toyota Harrier 2.0 E Panoramic (1,986cc), the version most of our insurers quote.

Versions on the form:

- [Toyota Harrier 2.0 E Panoramic](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-2-0-e-panoramic&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) (1,986cc)
- [Toyota HARRIER 2.0 ELEGANCE](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-2-0-elegance&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) (1,986cc)
- [Toyota Harrier 2.0 G Grade](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-2-0-g-grade&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) (1,998cc)
- [Toyota Harrier 2.0 Premium](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-2-0-premium&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) (1,986cc)
- [Toyota Harrier 2.4](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-2-4&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) (2,362cc)
- [Toyota Harrier 2.5](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-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) (2,497cc)
- [Toyota Harrier Hybrid 3.3](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-hybrid-3-3&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) (3,310cc)
- [Toyota Harrier M Grade](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-harrier-m-grade&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) (1,998cc)

## Insurers with no online price for the Toyota Harrier

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

## The Toyota Harrier against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [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 |
| [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 |
| [Mercedes-Benz GLC](https://shentonbrokers.com/prices/car/mercedes-benz-glc) | 1,991cc | S$925.60 (as at 20 Oct 2026) | 16 |
| [BMW 3 Series](https://shentonbrokers.com/prices/car/bmw-3-series) | 1,998cc | S$1,000.41 (as at 20 Oct 2026) | 17 |

## COE for the Toyota Harrier

With a 1,986cc engine, above 1,600cc, the Toyota Harrier 2.0 E Panoramic 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=toyota&model=toyota-harrier-2-0-e-panoramic&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/toyota-harrier