# Car insurance: Toyota Highlander 2.5 Hybrid, 3 years old, 50% no-claim discount

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

## Assumptions

- Toyota Highlander 2.5 Hybrid
- 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$841.31 | S$600.00 | 20 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,012.84 | S$2,000.00 | 21 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$1,038.02 | S$1,200.00 | 20 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$1,063.03 | S$2,500.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$1,157.22 | S$500.00 | 23 Oct 2026 |
| Singlife | Motor Lite | S$1,280.16 | S$3,000.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,364.49 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,364.49 | S$600.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,369.97 | S$3,000.00 | 22 Oct 2026 |
| Singlife | Motor Standard | S$1,471.46 | S$2,500.00 | 20 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,527.14 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Advantage | S$1,572.43 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,572.43 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,741.79 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,741.79 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Prestige | S$2,015.89 | 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 Highlander in short

For the driver above, India International is cheapest for the Toyota Highlander today, at S$841.31 for its Comprehensive (any workshop or authorised workshops) plan. 9 insurers price it; the dearest of them, QBE, asks at least S$1,369.97, S$528.66 (63% 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$1,909.68, 127% more. Against 6 similar cars (below) it costs 13% less than their average lowest price of S$970.42; 3 of them are cheaper to insure.

## How the Toyota Highlander 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$841.31 (as at 20 Oct 2026) |  | 9 | India International |
| The same driver with no NCD (0%) | S$1,909.68 (as at 20 Oct 2026) | S$1,068.37 more | 9 | Singlife |
| The same driver with 20% NCD | S$1,416.93 (as at 20 Oct 2026) | S$575.62 more | 9 | India International |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,645.77 (as at 20 Oct 2026) | S$804.46 more | 9 | India International |
| Driver aged 65, 20 years’ driving, 50% NCD | S$841.31 (as at 20 Oct 2026) | the same | 8 | India International |
| A new car (registered this year) | S$866.76 (as at 20 Oct 2026) | S$25.45 more | 9 | India International |
| A car 8 years old | S$770.30 (as at 20 Oct 2026) | S$71.01 less | 9 | India International |

## The Toyota Highlander on our quote form

We priced the Toyota Highlander 2.5 Hybrid (2,487cc), the version most of our insurers quote.

## Insurers with no online price for the Toyota Highlander

- AIG: This insurer has no online price for this car model yet.
- 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.
- Great Eastern: This insurer has no online price for this car model yet.
- Liberty: This insurer has no online price for this car model yet.
- MS First Capital: 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.

## The Toyota Highlander against similar cars

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

| Car | Engine | Lowest price | Insurers |
| --- | --- | --- | --- |
| [Honda Odyssey](https://shentonbrokers.com/prices/car/honda-odyssey) | 2,354cc | S$811.71 (as at 20 Oct 2026) | 17 |
| [Mitsubishi Outlander](https://shentonbrokers.com/prices/car/mitsubishi-outlander) | 2,360cc | S$861.03 (as at 20 Oct 2026) | 17 |
| [Audi RS 3 Sedan](https://shentonbrokers.com/prices/car/audi-rs-3-sedan) | 2,480cc | S$1,310.08 (as at 20 Oct 2026) | 3 |
| [Audi RS 3 Sportback](https://shentonbrokers.com/prices/car/audi-rs-3-sportback) | 2,480cc | S$1,310.08 (as at 20 Oct 2026) | 4 |
| [Chevrolet Captiva](https://shentonbrokers.com/prices/car/chevrolet-captiva) | 2,384cc | S$764.82 (as at 20 Oct 2026) | 17 |
| [Chevrolet Malibu](https://shentonbrokers.com/prices/car/chevrolet-malibu) | 2,400cc | S$764.82 (as at 20 Oct 2026) | 15 |

## COE for the Toyota Highlander

With a 2,487cc engine, above 1,600cc, the Toyota Highlander 2.5 Hybrid 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-highlander-2-5-hybrid&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-highlander