# Car insurance: Toyota RAV4 2.4, 3 years old, 50% no-claim discount

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

## Assumptions

- Toyota RAV4 2.4
- 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$764.82 | S$600.00 | 20 Oct 2026 |
| HL Assurance | Car Protect360 Comprehensive | S$872.39 | S$1,200.00 | 20 Oct 2026 |
| ERGO | SMART Comprehensive | S$895.62 | S$500.00 | 23 Oct 2026 |
| Etiqa | Private Car Insurance – Comprehensive (Authorised Workshop) | S$938.12 | S$2,500.00 | 20 Oct 2026 |
| Sompo | Comprehensive Cover – Authorised Workshop Plan | S$975.20 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Lite | S$1,049.05 | S$3,000.00 | 20 Oct 2026 |
| Great Eastern | Drive and Save Plus Comprehensive (Authorised Workshop) | S$1,070.95 | S$600.00 | 20 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value plan | S$1,098.76 (estimate) | S$800.00 | 21 Oct 2026 |
| Allianz | Allianz Motor Protect Comprehensive | S$1,114.13 | S$2,000.00 | 21 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Value Plus plan | S$1,138.64 (estimate) | S$800.00 | 21 Oct 2026 |
| ERGO | ENHANCED Comprehensive | S$1,139.59 | S$500.00 | 23 Oct 2026 |
| FWD | Drivo Classic | S$1,158.66 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Classic | S$1,158.66 | S$600.00 | 20 Oct 2026 |
| Singlife | Motor Standard | S$1,205.80 | S$2,500.00 | 20 Oct 2026 |
| UOI | UniCar Comprehensive Value | S$1,232.23 | S$500.00 | 18 Oct 2026 |
| FWD | Drivo Advantage | S$1,332.46 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Advantage | S$1,332.46 | S$600.00 | 20 Oct 2026 |
| Liberty | Comprehensive Preferred Plan | S$1,355.16 (estimate) | S$600.00 | 22 Oct 2026 |
| MS First Capital | Comprehensive | S$1,361.87 | S$500.00 | 20 Oct 2026 |
| FWD | Drivo Premium | S$1,448.33 | S$600.00 | 20 Oct 2026 |
| Income | Drivo Premium | S$1,448.33 | S$600.00 | 20 Oct 2026 |
| QBE | Private Motor Prestige Comprehensive | S$1,470.91 | S$3,000.00 | 22 Oct 2026 |
| DirectAsia | Car Insurance – Comprehensive, Flexible plan | S$1,585.30 (estimate) | S$800.00 | 21 Oct 2026 |
| Singlife | Motor Prestige | S$1,651.95 | 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 RAV4 in short

For the driver above, India International is cheapest for the Toyota RAV4 today, at S$764.82 for its Comprehensive (any workshop or authorised workshops) plan. 15 insurers price it; the dearest of them, QBE, asks at least S$1,470.91, S$706.09 (92% 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$1,098.76, 44% more. Against 6 similar cars (below) it costs 21% less than their average lowest price of S$970.42; none of them is cheaper to insure.

## How the Toyota RAV4 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$764.82 (as at 20 Oct 2026) |  | 15 | India International |
| The same driver with no NCD (0%) | S$1,098.76 (as at 21 Oct 2026) | S$333.94 more | 15 | DirectAsia |
| The same driver with 20% NCD | S$1,098.76 (as at 21 Oct 2026) | S$333.94 more | 15 | DirectAsia |
| Driver aged 27, 3 years’ driving, 30% NCD | S$1,098.76 (as at 21 Oct 2026) | S$333.94 more | 15 | DirectAsia |
| Driver aged 65, 20 years’ driving, 50% NCD | S$764.82 (as at 20 Oct 2026) | the same | 14 | India International |
| A new car (registered this year) | S$787.96 (as at 20 Oct 2026) | S$23.14 more | 15 | India International |
| A car 8 years old | S$700.28 (as at 20 Oct 2026) | S$64.54 less | 15 | India International |

## The Toyota RAV4 on our quote form

We priced the Toyota RAV4 2.4 (2,362cc), the version most of our insurers quote.

Versions on the form:

- [Toyota RAV4 2.0](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-rav4-2-0&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) (1,987cc)
- [Toyota RAV4 2.4](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-rav4-2-4&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 Rav4 2.5](https://shentonbrokers.com/quote/car?brand=toyota&model=toyota-rav4-2-5&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) (2,487cc)

## Insurers with no online price for the Toyota RAV4

- 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.
- ECICS: ECICS does not list this model on its online quote.

## The Toyota RAV4 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 RAV4

With a 2,362cc engine, above 1,600cc, the Toyota RAV4 2.4 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-rav4-2-4&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

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-rav4