# Car insurance: Toyota Isis, 3 years old, 50% no-claim discount

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

## Assumptions

- Toyota Isis
- 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 |
| --- | --- | --- | --- | --- |
| HL Assurance | Car Protect360 Comprehensive | S$806.41 | S$1,200.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$852.28 | S$600.00 | 20 Oct 2026 |
| MS First Capital | Comprehensive | S$927.40 | S$500.00 | 20 Oct 2026 |
| FWD | Drivo Classic | S$1,018.43 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,018.43 | S$600.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,096.07 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Advantage | S$1,171.21 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,171.21 | S$600.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,273.04 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,273.04 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,294.07 (estimate) | S$600.00 | 22 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,339.45 | S$500.00 | 18 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 Isis in short

For the driver above, HL Assurance is cheapest for the Toyota Isis today, at S$806.41 for its Car Protect360 Comprehensive plan. 8 insurers price it; the dearest of them, UOI, asks at least S$1,339.45, S$533.04 (66% 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$1,666.12, 107% more. Against 6 similar cars (below) it costs 13% less than their average lowest price of S$932.14; none of them is cheaper to insure.

## How the Toyota Isis 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$806.41 (as at 20 Oct 2026) |  | 8 | HL Assurance |
| The same driver with no NCD (0%) | S$1,666.12 (as at 20 Oct 2026) | S$859.71 more | 8 | Sompo |
| The same driver with 20% NCD | S$1,333.71 (as at 20 Oct 2026) | S$527.30 more | 8 | Sompo |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,425.81 (as at 20 Oct 2026) | S$619.40 more | 8 | FWD |
| Driver aged 65, 20 years’ driving, 50% NCD | S$931.36 (as at 20 Oct 2026) | S$124.95 more | 7 | Sompo |
| A new car (registered this year) | S$857.87 (as at 20 Oct 2026) | S$51.46 more | 8 | HL Assurance |
| A car 8 years old | S$789.25 (as at 20 Oct 2026) | S$17.16 less | 8 | HL Assurance |

## The Toyota Isis on our quote form

We priced the Toyota Isis (1,998cc), the version most of our insurers quote.

Versions on the form:

- [Toyota Isis](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-isis&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 Isis 1.8  LX CNG](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-isis-1-8-lx-cng&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) (1,794cc)
- [Toyota Isis 1.8 L X-SELECTION](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-isis-1-8-l-x-selection&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) (1,794cc)

## Insurers with no online price for the Toyota Isis

- AIG: This insurer has no online price for this car model yet.
- Allianz: 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.
- ERGO: This insurer has no online price for this car model yet.
- Etiqa: This insurer has no online price for this car model yet.
- India International: 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.

## The Toyota Isis 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 Isis

With a 1,998cc engine, above 1,600cc, the Toyota Isis 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-isis&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-isis