10 Best Car Insurance Products in Singapore of 2026
Updated: 13 Aug 2026
Written bySingSaver Team
Team
⚡ Quick Answer
| Product Name | 24hr Roadside Assistance | Coverage for Named Drivers | Towing |
|---|---|---|---|
| MSIG MotorMax | Included | NA | S$500 |
| HLAS Car Protect360 | Included | Yes | S$500 |
| UniCar Comprehensive Plus | Not covered | - | S$500 |
Choosing the right car insurance can be a crucial decision for any driver in Singapore. With a myriad of options available, it's essential to find a policy that offers the best coverage, excellent customer service, and competitive pricing.
This guide will help you navigate the complexities of car insurance and compare different providers to find the best fit for your needs. At SingSaver, our recommendations are based on thorough research, ensuring you make informed decisions about your car insurance coverage.
The following section will delve deeper into the selected insurers, highlighting their key features, coverage options, pricing, and what makes them stand out in their respective category.
Best car insurance products in Singapore
To help you quickly identify the best car insurance in Singapore for your specific needs, we've categorised the top providers based on their strengths:
10 best car insurance products in Singapore
Before we dive into the detailed reviews, it's important to understand why you can trust SingSaver and how we choose the best car insurance products:
Now, let's explore the 10 best car insurance products in Singapore based on our evaluation process and strict editorial guidelines:
(Replaces the bullet list & replaces the old "Honourable Mentions" table)
SingSaver’s 10 Best Car Insurance Products Comparison (2026)
| # | Insurer / Plan | Best For | Workshop Choice | Personal Accident | Key Benefit |
| 1 | MSIG MotorMax | Roadside Assistance & Emergency | Authorised Workshops | Up to S$50,000 | 24/7 accident hotline & S$500 towing cover |
| 2 | Singlife Motor Lite | New & Young Drivers | Approved Repairers | Optional Add-on | Lowest young-driver age cutoff (24 yrs) |
| 3 | HLAS Car Protect360 | Comprehensive Value | Any / Approved | Up to S$20,000 | Up to S$1,000 medical expenses cover |
| 4 | Great Eastern Drive & Save Plus | High-Value Coverage | Authorised / Any | Up to S$120,000 | Market-leading PA coverage benefit |
| 5 | Etiqa (Tiq) Auto Insurance | Fast & Digital Claims | Authorised / Any | Up to S$50,000 | Instant automated claims & fast payout |
| 6 | ECICS Private Motor | Budget-Conscious Drivers | Appointed Panel | Optional Add-on | Free NCD protection & excess waivers |
| 7 | AIG Complete Auto | Flood & Disaster Protection | Authorised Workshops | Up to S$50,000 | Express "Act of God" & natural disaster cover |
| 8 | DirectAsia Car Insurance | Customizable Tiers | Flexible / Preferred | Up to S$100,000 | Custom excess & driver profile options |
| 9 | UOI Car Insurance | Reliable Traditional Protection | Authorised / Any | Up to S$50,000 | Strong third-party property cover & reliable claims |
| 10 | AIG Auto Plus | Premium Vehicle Owners | Authorised Workshops | Up to S$100,000 | Transport allowance & loan protection options |
(Note: The old "Honourable Mentions" section at the end of the article has been removed to prevent duplicate content.)
#1 MSIG: Best for Roadside Assistance & Emergency Support
- Comprehensive cover for own vehicle up to market value, plus third-party bodily injury (unlimited) and third-party property damage up to S$5,000,000
- Built-in personal accident (PA) benefits of S$20,000 for policyholder and S$10,000 per authorised driver/passenger, plus medical expenses up to S$1,000 per person
- 24-hour Automobile and Medical Assistance services hotline available (towing, roadside help, accident and police report notification, etc.)
- Accident repairs must be done at MSIG authorised workshops; no “any workshop” option under MotorMax itself
- No transport allowance, new-for-old replacement, or loan protection benefits - those are only available on MotorMax Plus
- Standard excess plus an additional S$3,000 young/inexperienced driver excess (non-policyholder under 27 and/or <2 years’ license)
#2 Singlife car insurance: Best for new or young drivers
- Comprehensive cover up to market value including COE; unlimited cover for manufacturer-fitted accessories/audio
- Unlimited third-party bodily injury (including passengers) and up to S$5,000,000 for third-party property damage
- Same geographical cover as higher tiers: Singapore, West Malaysia and Peninsula Thailand up to 80km from the border
- 'Young and inexperienced' driver age threshold is 24 years old - One of the lowest in the market
- Great promo rates for NSmen & civil servants
- Can lock premium for 2 years
- Repairs only at Singlife approved repairers; no free choice of workshop under Motor Lite
- Steeper NCD step-down of 30% per claim versus 10% for Standard/Prestige - materially more punitive after a fault claim
- Lower ancillary limits (e.g., S$500 medical, personal belongings) compared to Standard/Prestige
#3 HLAS car insurance : Best for Comprehensive Coverage
- Up to S$1,000 in medical expenses
- 24/7 Roadside Assistance
- Windscreen excess waived if the repairs on Windscreen or windows of the Insured Vehicle are carried out at appointed or approved windscreen repairer
- Young and/or Inexperienced Driver excess of S$3,000
- Daily transport allowance applicable only if repairs exceeds 3 days
#4 Great Eastern car insurance: Best for High Value Coverage
- Comprehensive and TP/TPFT/TPO options; comprehensive plans cover own damage (accident, fire, theft), third-party injury (unlimited) and property damage up to S$5,000,000
- Personal accident cover up to S$120,000 (one of the higher figures in market) plus S$1,000 medical reimbursement for driver and passengers
- Choice between Comprehensive (Authorised Workshop) and Comprehensive (Any Workshop); offer $500 excess waiver for first repairs done at Great Eastern panel workshops
- Optional NCD Protector and Loss-of-Use benefit (S$80/day up to 7 days)
- For Comprehensive (Authorised Workshop) and TP/TPFT plans, accident repairs must be done at authorised workshops only
- Unnamed drivers face additional excess (up to S$2,500 for <26 or >69 yrs / <3 years licence)
#5 TIQ car insurance: Best for Fast & Reliable Claims Assistance
- Adjustable excess
- Unlimited windscreen cover (S$100 excess for each replacement)
- Claims approval of up to $5,000 within 30 minutes for own damage (at Etiqa's authorised workshops)
- Personal Accident coverage is for policy holder only
- Does not cover emergency evacuation and repatration of Policyholder for accidents within geographic area (excluding Singapore)
>> SingSaver's Take: Full review
#6 Allianz Motor Protect: Best for Lifetime Repair Warranty & Courtesy Car
Allianz Motor Protect
SingSaver's take
- Lifetime warranty on repairs done at authorised workshops, covering any workmanship defects at no extra cost
- Complimentary 24/7 roadside assistance for all policyholders
- Free courtesy car provided while your vehicle is under repair, if your insured car is 2 years old or less and deemed beyond repair
- Flexible excess options, allowing you to adjust premiums to your risk tolerance
- Third-Party Only tier available with up to S$5,000,000 property damage cover and unlimited death/injury cover, for drivers who don't need comprehensive protection
- Repairs at non-panel workshops may forfeit the lifetime warranty benefit
#7 AIG Complete: Best for Natural Disaster & "Act of God" Coverage
AIG Complete
SingSaver's take
- Covers vehicle damage or loss caused by collision, fire, theft, and natural disasters/"Acts of God" — broader disaster coverage than many standard comprehensive plans
- Both Comprehensive and Collision-Only plan tiers available, letting you scale coverage to your budget
- Unlimited windscreen/window cover included
- Standard NCD structure with protected NCD options available via separate endorsement
- Offers mileage-based and age-based premium discounts (e.g., limiting coverage to drivers above a set age for a lower premium)
- Full benefits (PA, medical, any-workshop rights) may vary by distributor/variant — always check the specific policy schedule
#8 Direct Asia Comprehensive: Best for Optional Coverage Flexibility
Direct Asia Comprehensive
SingSaver's take
- Comprehensive cover as a base, with optional extensions like Loss of Use, Modification Cover, and 24-Hour Breakdown Assistance
- Fully digital application and quote process, appealing to drivers who prefer self-service over agent-based buying
- Competitive premiums, frequently appearing among the lower-cost comprehensive options in the market
- Modification Cover add-on is particularly useful for drivers with non-factory vehicle modifications, which many standard policies exclude by default
- As with most budget-friendly insurers, full benefit limits should be checked against the specific plan variant chosen
#9 ECICS Private Motor: Best for Budget-Conscious Drivers
ECICS Private Motor
SingSaver's take
- Free NCD protection and a free excess waiver included as standard, rather than as a paid add-on
- Recognises your NCD Protector status even if you're switching from another insurer to ECICS
- Free personal accident coverage bundled in
- Lifetime repair and paintwork guarantee on authorised repairs
- Consistently among the lowest-premium comprehensive options in SingSaver's own comparisons, alongside Singlife and MSIG
- As a smaller insurer, workshop network and digital self-service tools may be less extensive than larger players
#10 Singtel Car Protect: Best for Affordable Any-Workshop Coverage
Singtel Car Protect
SingSaver's take
- Underwritten by Great Eastern General Insurance, combining Singtel's distribution with an established insurer's backing
- Offers the flexibility to get repairs done at your preferred workshop, not just an authorised panel
- High personal accident coverage relative to its price point
- Frequently one of the cheapest comprehensive plans in the market, appealing to cost-conscious drivers who still want comprehensive protection
- Refer-a-friend petrol voucher perk available
- As with any insurer new to the car insurance space relative to legacy players, claims turnaround should be compared against more established insurers before committing
5 other to consider
6. ECICS Private Motor: Best for Cost Savings & Excess Waivers
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Personal Accident Coverage: Optional Add-on
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Towing Allowance: S$300
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Courtesy Car / Transport Allowance: Optional
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SingSaver Take:
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✅ Free NCD Protection and Excess Waiver options included on selected tiers.
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✅ Competitive pricing for standard Japanese/Korean sedan models.
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❌ Smaller panel of appointed workshops compared to major tier-1 insurers.
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7. AIG Complete Auto: Best for Flood & Disaster Protection
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Personal Accident Coverage: S$50,000
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Towing Allowance: S$500
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Courtesy Car / Transport Allowance: S$80 / day
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SingSaver Take:
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✅ Explicit coverage against "Act of God" risks including flash floods and falling trees.
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✅ High third-party property damage limit of up to S$5,000,000.
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❌ Higher baseline premiums for young drivers under 25.
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8. DirectAsia Car Insurance: Best for Customizable Policy Add-ons
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Personal Accident Coverage: Up to S$100,000 (Add-on)
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Towing Allowance: S$300
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Courtesy Car / Transport Allowance: Up to 10 days
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SingSaver Take:
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✅ Pay only for what you need with modular add-ons (NCD60, PA, workshop choice).
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✅ Offers NCD60 (extra 10% discount for drivers with 5+ claim-free years).
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❌ Base policy is bare-bones unless key add-ons are included.
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9. UOI Car Insurance: Best for Reliable Traditional Protection
(New replacement product featuring United Overseas Insurance)
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Personal Accident Coverage: S$50,000
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Towing Allowance: S$500
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Courtesy Car / Transport Allowance: S$50 / day
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SingSaver Take:
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✅ Backed by UOB Group; offers reliable claims processing and dedicated support.
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✅ Comprehensive legal liability protection for third-party injury and property damage.
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✅ Medical expense cover for driver and passengers up to S$1,000.
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❌ Digital experience is basic compared to tech-first insurers like Tiq or Singlife.
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10. AIG Auto Plus: Best for Premium Vehicle Owners
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Personal Accident Coverage: Up to S$100,000
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Towing Allowance: Unlimited
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Courtesy Car / Transport Allowance: S$100 / day
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SingSaver Take:
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✅ Dedicated concierge services and generous daily transport allowances during repair.
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✅ High repair quality standards at authorized distributor workshops.
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❌ Premium pricing tier aimed primarily at high-value or continental cars.
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The best car insurance products according to Reddit users in Singapore
Reddit is a popular online platform where users engage in discussions and share their experiences on various topics, including car insurance in Singapore. To provide a glimpse into real customer perspectives, we've analysed relevant Reddit threads and summarised key takeaways:
Reddit users in Singapore demonstrate a strong price-consciousness when discussing car insurance, often focusing on finding the cheapest options without compromising necessary coverage. Many conversations highlight a preference for online comparison tools and self-service platforms, enabling users to conduct independent research and compare quotes efficiently. The overall sentiment emphasises the importance of value for money, with users actively seeking insurers that offer a balance of comprehensive coverage, competitive pricing, and valuable benefits.
This highlights the importance of thorough research and comparison shopping when choosing car insurance in Singapore. While individual experiences can vary, Reddit provides valuable insights into customer sentiment and can help you make a more informed decision.
Note: These insights are based on anonymous user experiences and should be considered alongside other research and due diligence.
SingSaver Tips
Tips for getting the best car insurance prices
Here are some actionable tips to help you find the best auto insurance at the most affordable price:
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Compare quotes: Use online comparison tools like SingSaver to get car insurance quotes from multiple insurers.
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Drive safely: Maintain a clean driving record to earn NCD and lower your premiums.
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Consider lower coverage for older cars: Comprehensive coverage might not be cost-effective for older vehicles.
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Maintain good credit: A good credit score can sometimes lead to lower insurance premiums.
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Increase your excess: Opt for a higher excess to reduce your premium, but be prepared to pay more in case of a claim.
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Look for discounts: Many insurers offer discounts for safe driving, bundling policies, installing security features, and more, but make sure to be aware of car insurance fraud.
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Consider add-ons or optional benefits: Some insurers offer travel insurance as an add-on to your car insurance policy. Here are 10 Tips To Buying The Right Travel Insurance in Singapore.
About the author
SingSaver Team
At SingSaver, we make personal finance accessible with easy to understand personal finance reads, tools and money hacks that simplify all of life’s financial decisions for you.