Compare and Find the Best Car Insurance Quotes of 2025 Online in Singapore
Updated: 11 Dec 2025
MSIG MotorMax
- 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 included (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)
Singlife Motor Standard
Promo Code:
CAR20
- Same core own-damage and third-party cover as Lite, but with higher PA and medical limits (up to S$100,000 PA and S$2,500 medical expenses per policyholder)
- Any workshop allowed for repairs; if you use a non-approved workshop, excess is doubled, but there is no outright restriction
- Lower NCD penalty: NCD step-down of 10% per claim (instead of 30% on Lite), which is attractive in a claims scenario
- Enhanced ancillary cover vs Lite, including higher limits for medical, personal belongings, and better windscreen coverage (up to S$600 at non-approved workshops, unlimited at approved)
- 'Young and inexperienced' driver age threshold is 24 years old - One of the lowest in the market
- Great promo rates for NSmen & civil servants
- Additional excess for young/inexperienced driver (S$2,500) still applies to all three tiers
- Daily transport allowance and certain EV extensions may require optional add-ons (e.g., Loss of Use, extra PA cover)
HLAS Car Protect360
- 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
MSIG MotorMax Plus
- All the core cover of MotorMax plus higher PA limits: S$100,000 for policyholder and S$50,000 per authorised driver/passenger
- Any-workshop repair freedom, instead of being restricted to MSIG’s authorised panel
- Transport allowance of S$60 per day up to 10 days when the car is in repair; for EVs, up to 30 days if total loss due to battery-caused fire
- New-for-old replacement top-up for cars written off within 12 months: up to S$110,000 above market value for EVs and S$100,000 for other vehicles
- Loan protection benefit pays outstanding car loan up to S$100,000 if policyholder dies in an accident involving the insured vehicle
- EV-specific enhancements (e.g., emergency EV towing when battery runs flat; medical expenses for electric shock; lock and key replacement)
- Higher premium than MotorMax due to richer benefits. (Implied by benefit structure; actual rate is per quote)
- Same young/inexperienced driver excess of S$3,000 for non-policyholder drivers under 27 and/or <2 years’ license)
Singlife Motor Lite
Promo Code:
CAR20
- 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
- Standard PA and medical benefits for driver and passengers (PA up to S$50,000 / S$25,000 / S$25,000 across tiers; Lite is the entry tier but still provides PA plus S$500 medical)
- 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, S$1,000 personal belongings) compared to Standard/Prestige
Singlife Motor Prestige
Promo Code:
CAR20
- Top-tier cover with best ancillary benefits: PA up to S$100,000 plus higher medical expenses (S$5,000) and personal belongings limits than Lite/Standard
- Brand-new car replacement for 24 months (vs 12 months on Lite/Standard) if accident repair cost >70% of market value and car was bought new
- Any-workshop repairs with no additional young/inexperienced driver excess (table shows S$0 extra vs S$2,500 for Lite/Standard)
- Unlimited windscreen replacement with no windscreen excess when done at approved repairers
- Same low 10% NCD step-down plus access to NCD Protector and Loss-of-Use add-ons
- 'Young and inexperienced' driver age threshold is 24 years old - One of the lowest in the market
- Singlife’s Prestige Plan waives 'young and inexperienced driver' excess
- Great promo rates for NSmen & civil servants
- Can lock premium for 2 years
- Typically priced as a premium plan; may be less cost-efficient for older/low-value vehicles. (Pricing is quote-based; this is a structural trade-off of richer benefits)
- Still subject to policy excesses and standard exclusions (e.g., unauthorised drivers, illegal use) as detailed in the policy wording
Great Eastern Drive and Save Plus
- 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); authorised-workshop plans offer excess waiver if repairs are done at Great Eastern panel workshops
- Optional NCD Protector (from 50% NCD) and Loss-of-Use benefit (S$80/day up to 7 days)
- Additional 5% “safe driver” discount for demerit-free drivers in the past 3 years, on top of NCD
- 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)
TIQ Comprehensive
- Adjustable excess
- Unlimited windscreen cover (S$100 excess for each replacement)
- 30 minutes Claim Approval​ for own damage
- Personal Accident coverage is for policy holder only
- Does not cover emergency evacuation and repatration of Policyholder for accidents within geographic area (excluding Singapore)
Great EV Protect
Allianz Motor Protect
- Offers TPO, TPFT, and Comprehensive options with standard third-party limits (unlimited injury and S$5,000,000 property damage) and own-damage cover under Comprehensive
- Lifetime warranty on repairs at authorised workshops for as long as the policy remains in force
- New-for-old replacement if car is damaged beyond repair within 24 months of first registration (replacement or cash equivalent)
- Complimentary courtesy car or daily transport allowance (S$50/day up to 10 days) for comprehensive plan, plus taxi reimbursement and towing up to S$500 per accident/breakdown
- Optional NCD Protector, any-workshop repairs, and PA/medical add-ons (S$50,000 for policyholder and S$25,000 per passenger; med up to S$1,000 per passenger)
- By default, Comprehensive repairs must be done at assigned workshops unless the any-workshop optional cover is purchased
- Only one of courtesy car or daily transport allowance can be claimed per accident
Direct Asia Comprehensive
- 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
ECICS Private Motor
- Comprehensive, TPFT and TPO options with standard limits: own-damage up to market value, third-party property up to S$5,000,000, third-party bodily injury unlimited
- Free NCD Protector from NCD 10% upwards, which is unusually generous; NCD can be protected even at low levels
- “Comprehensive Family NCD Builder” - all named drivers earn up to 10% extra “Family NCD” per year of claim-free driving (capped at 50%), encouraging safe driving among household drivers
- Ancillary benefits: PA for insured/named driver up to S$50,000; medical expenses up to S$500 each; unlimited windscreen/sunroof/moonroof cover; towing S$300
- Strong EV enhancements (charger liability cover S$100,000; charger damage S$10,000; EV-focused roadside assistance add-on)
- Standard excess of S$750 (or as specified) plus additional excesses for unnamed drivers and young/inexperienced drivers (under 26 and/or <2 years’ licence) of S$3,000
- 24/7 roadside assistance, Loss-of-Use, courtesy car, any-workshop, enhanced PA/med, and “New for Old” are optional add-ons, not built-in
AIG Complete
- AIG’s Complete plan covers damage or loss to your vehicle due to collision, fire, theft, natural disasters / “Acts of God”, and even civil commotions, on top of the usual third-party liability
- Standard NCD structure with protected NCD options (via separate endorsement/plan), plus clear NCD rules including non-reporting penalties and court-determined fault thresholds
- Policy wording explicitly covers a broad list of accidental causes (collision, overturning, theft/robbery, falling objects, external explosion, fire, lightning, etc.)
- Limit coverage to drivers aged 30, 35, or 40 years old and above and pay a lower premium
- Select your expected mileage upfront and enjoy a lower premium.
- Full benefits (e.g., PA, medical, any-workshop rights) may be configured differently by distributor/variant; you must refer to the specific Complete policy schedule for limits and optional covers chosen
- NCD can be reduced or cancelled not just by claims but also by failure to comply with reporting requirements (e.g., non-reporting of accidents within stipulated time)
AIG Collision Only
- Focused cover for damage to your own car only when there is a collision with another vehicle, complementing mandatory third-party liability cover
- May cost less than full comprehensive cover while still protecting against at-fault collision repairs, depending on underwriting and usage. (Premiums are quote-based)
- Limit coverage to drivers aged 30, 35, or 40 years old and above and pay a lower premium
- Pre-select your expected mileage and enjoy a lower premium
- No cover for non-collision perils such as fire, theft, flood, falling objects or vandalism - those are only covered under Complete
- Not suitable if the owner is concerned about total-loss scenarios from non-collision events (e.g., car stolen or written off by flood)
Etiqa Third Party Only Private Car Insurance
- No frills coverage - THIRD PARTY COVERAGE ONLY
- Covers death or bodily injury to third party, loss or damage to third party property
- Covers up to S$2,000 for legal costs and expenses
- Only covers Third party property damages, legal costs, death and injuries
- No coverage for windscreen
- Does not cover emergency evacuation and repatration of Policyholder for accidents within geographic area (excluding Singapore)
Need help to decide? Contact us and our licensed insurance brokers will reach out within 24 hours.
Compare car insurance rates by companies
At SingSaver, we've curated the top picks for car insurance companies in Singapore to help you find the perfect plan. We offer a wide range of options, from comprehensive coverage to third-party only, to suit every need and budget. Check out these coverage rates for a married male with at least three years of driving experience, 50% NCD, and 0 claims:
Average monthly rates
The prices below are the starting rates, which also means that the actual cost of your car insurance plan may increase depending on your individual coverage and other factors.
How to compare car insurance quotes
To make the process of choosing and comparing car insurance quotes easier, follow the tips below.
Gathering the right information
Just as you would have the information about your property when looking for home insurance quotes, you also need certain details for your auto insurance. So, before you start comparing quotes, it's important to gather the necessary information about yourself and your vehicle.
Driver details
- Age, occupation, and marital status
- Driving experience
- NCD status
- Past accidents or claims
Vehicle details
- Make, model, and manufacture year
- Purchase year
- Mileage
- Current market value of the car
- Current car insurance provider (if applicable)
Choosing the right coverage
There are two main types of car insurance coverage in Singapore:
- Third-Party Only: This is the most basic and affordable type of coverage, which only covers damage or injury you cause to others. Also, it doesn't cover damage to your own vehicle.
- Comprehensive: This is the most extensive type of coverage, which covers damage to your own vehicle as well as damage or injury you cause to others. It also includes additional benefits like fire and theft coverage, and coverage for natural disasters.
Remember, the right type of coverage depends on your individual needs and circumstances. For instance, third-party-only coverage is a budget-friendly option that suits drivers with older vehicles, where comprehensive coverage may not be cost-effective. On the other hand, comprehensive coverage offers extensive protection and peace of mind, especially for those with newer or more expensive vehicles.
Take a moment to determine your ideal coverage levels. The default options presented in online quotes might not align with your needs, so consider customising your quotes by adjusting liability limits and adding optional coverages like comprehensive and collision.
Conduct quote comparisons using SingSaver's comparison tool
When comparing car insurance quotes, ensure consistency across all options. Make sure you're comparing apples to apples and ensure that the quotes you're comparing have similar coverage limits and benefits. This practice enables informed decision-making based on a true assessment of value.
Consider these other key factors:
- Claim excess and deductibles: The excess is the amount you have to pay out of pocket in the event of a claim. Choosing a higher excess can lower your premium, but make sure you can afford to pay it if you need to make a claim.
- Additional benefits: Some policies may include additional benefits like roadside assistance, loss of use coverage, and medical expenses coverage.
To make the process of comparing car insurance quotes easier, we've created a comparison tool that allows you to compare quotes from different providers and find the best deal for your needs.
- Enter your car details: Start by entering your car brand, model, and year of manufacture.
- Customise the filters: Next, customise the filters based on your personal details, such as gender, marital status, age, driving experience, NCD, and the number of claims in the last three years.
- Update and compare: Once you've entered your details and customized the filters, click "Update Quote" to generate a list of personalised car insurance quotes. Compare the quotes side-by-side to find the best deal for your needs.
Know the insurance provider
When comparing car insurance quotes, don't just focus on the premium price. Research the insurance provider’s reputation for customer service and claims processing. While at it, read online reviews and check independent ratings to get an idea of the insurance provider’s reliability and customer satisfaction.
Additionally, ensure the companies offer the features that are important to you. For instance, if you prefer online claims filing, check if their website or app supports this functionality.
Evaluate the overall value
If you're also looking for other insurance policies, such as home insurance, explore bundling options with your car insurance. Opting for a multi-policy approach with a single insurance provider’s can often reveal opportunities for discounts and streamline policy management.
However, it's still wise to compare prices and coverage from separate companies to ensure you're getting the best overall value.
Saver-savvy tip
If you're not a fan of phone calls, compare car insurance quotes online and get personalised quotes from insurance provider’s without having to pick up the phone. This allows you to find the best coverage at the best price, all from the comfort of your own home (and without the dreaded hold music!).
Don't assume your current insurance policy remains the best option, especially if you've moved or your circumstances have changed. Proactively comparing rates from different insurance provider’s can uncover significant savings opportunities, potentially leading to better coverage for a fraction of the cost. Take charge of your insurance journey and ensure you're getting the most value for your money.
When comparing insurance quotes, pay close attention to the policy term. Don't get caught out by shorter terms that appear cheaper upfront! Always ensure you're comparing quotes for the same coverage period to make a fair and accurate decision.
How to estimate your car insurance costs
Estimating your car insurance costs in Singapore can be tricky, as several factors influence the final premium:
- Car model and age: The type of car you drive and its age significantly impact the cost. For instance, newer, more expensive cars generally attract higher premiums due to their higher value and repair costs.
- Driver's age and experience: Younger and less experienced drivers typically pay higher premiums due to their higher risk profile. But as you gain more driving experience and maintain a clean driving record, your premiums may decrease.
- No Claim Discount (NCD): NCD is a valuable discount awarded to drivers with a history of no claims. The discount increases for each consecutive year of no claims, up to a maximum of 50%. Also, maintaining a good NCD can significantly lower your premiums.
- Coverage type: The type of coverage you choose also affects the cost. Comprehensive coverage, which offers the most extensive protection, is typically more expensive than third-party-only coverage.
- Other factors: Additional factors such as your driving history, the excess amount you choose, and any optional add-ons like roadside assistance can also influence the final cost.
Ways to get a quote for your car insurance
You can get car insurance quotes through various methods, each with specific advantages and disadvantages.
Direct quotation online or via phone
Getting instant car insurance quotes is a breeze with SingSaver's user-friendly platform. Simply enter your vehicle and driver details, and we'll generate personalised quotes from multiple insurance providers, including Allianz, AIG, DirectAsia, MSIG, and more. And if you need comprehensive and collision coverage, you can also customise your coverage options to see how they impact your quote.
Pros:
- Get instant quotes from multiple insurance providers and buy your car insurance online without making multiple phone calls or entering your information repeatedly.
- Compare quotes and apply for car insurance online from the comfort of your own home.
- Customise your coverage options to fit your specific needs and budget.
Cons:
- You may not have access to all insurance providers in the market, as some smaller insurance providers may not be available on SingSaver's platform.
Using an insurance comparison website
For a streamlined approach, consider using online comparison platforms to explore multiple car insurance quotes simultaneously.
SingSaver, for example, offers a user-friendly tool that allows you to input your car details and customise filters based on your personal information to generate personalised quotes. Simply enter your details and vehicle information, and the platform will match you with suitable car insurance providers. Keep in mind that you might need to visit individual insurance providers’; websites for a final personalised quote.
Pros:
- Online comparison platforms save you time by allowing you to check out several companies at once.
- These platforms are ideal for users who prefer to compare and purchase car insurance online instead of making phone calls.
- Comparison sites often pre-fill some of your information with insurance providers, saving you from repetitive data entry.
Cons:
- Depending on your individual circumstances and the platform's partnerships, you may not see quotes from all available insurance providers in the market.
- Be prepared for potential follow-up phone calls or emails from insurance providers, as comparison sites often share your information with their partners.
- Some platforms may partner with a limited number of carriers, which could restrict your choices.
Using an insurance broker
An independent insurance agent can offer a wider range of car insurance options from multiple insurance providers. They can help you compare quotes, find the best policy for your needs, and show you how to buy car insurance efficiently. However, traditional brokers may charge a fee for their services.
SingSaver:
- Our online comparison tool is completely free to use, allowing you to save on broker fees.
- Get instant quotes from multiple insurance providers without having to wait for a broker to get back to you.
- Enjoy exclusive discounts and promotions on car insurance plans when you apply through SingSaver.
- Our objective car insurance reviews and comparisons help you make informed decisions without any pressure from a broker.
Traditional brokers:
- Unlike SingSaver, a traditional broker may charge a fee for their services.
- It may take some time for brokers to gather quotes from different insurance providers.
- Access to exclusive discounts and promotions may be limited when using a traditional broker.
- There is also a risk of potential bias towards certain insurance providers or insurance products.
MORE: How to buy car insurance
Car insurance rates vs. quotes
It's important to understand that advertised car insurance rates are often just estimates and may differ from the final quote you receive. While these rates provide a general idea of what you might pay, they don't consider your unique circumstances.
Several factors can influence your final car insurance premium, including your claim history, vehicle modifications, and even your occupation. For example, if you've made multiple claims in the past or have modified your vehicle with performance-enhancing parts, your premium could be higher than the advertised rate.
However, SingSaver's comparison tool helps bridge this gap by considering your personal details and providing more accurate quotes tailored to your specific situation. By inputting your information, such as your age, driving experience, NCD, and claim history, our tool can generate quotes that more closely reflect the actual premium you'll pay. At the same time, this personalised approach ensures you get a realistic estimate and can make informed decisions about your car insurance coverage.
What Reddit users are saying about car insurance
We checked out Reddit forums to get insights from Singaporean drivers about their car insurance experiences. Also, many express frustration with rising premiums and the complexities of comparing policies.
Here are some common tips and observations from Reddit users:
- Shop Around Regularly: Don't just auto-renew your existing car insurance policy, instead, compare quotes from different insurance providers can help you find better deals and potentially save money. (Remember, SingSaver offers a free comparison tool!)
- Negotiate Premiums: Some users have successfully negotiated lower premiums by contacting insurance providers directly or leveraging quotes from competitors.
- Choose the Right Excess: Consider your financial situation and risk tolerance when selecting your excess amount. A higher excess can lower your premium but means you'll pay more out-of-pocket in the event of a claim.
- Check for Hidden Fees: Be wary of hidden fees, such as administrative charges or cancellation fees, which can inflate the overall cost of your insurance.
- Review Policy Exclusions: Carefully review the policy wording to understand what is and isn't covered. Some common exclusions include damage caused by modifications or illegal activities.
The information provided in this article is based on a combination of desk research, analysis of publicly available data, and insights drawn from reputable sources in the car insurance industry. SingSaver consults a variety of resources, including insurance provider websites, policy documents, industry reports, and consumer reviews, to ensure the accuracy and comprehensiveness of our content. We also strive to keep our information up-to-date by regularly reviewing and updating our articles to reflect the latest trends and changes in the car insurance market.
While we strive to provide accurate and comprehensive information, the car insurance landscape is constantly evolving. Therefore, we encourage you to conduct your own research and compare quotes from different insurance providers before making a decision.
Frequently asked questions about car insurance
- Comprehensive Analysis: We thoroughly analyse coverage options, pricing, claim processes, and customer reviews for each insurer.
- Policy Flexibility: We assess the flexibility of policies, including workshop choices, optional add-ons, and customisation options.
- User Experience: We consider the ease of use of online platforms and the overall customer experience with each insurer.
- Direct Quotes: We collect car insurance quotes directly from major insurers in Singapore, ensuring our comparisons are based on the latest pricing and policy details.
- Real User Feedback: We incorporate feedback from real users, including insights from online reviews, forums, and social media, to provide a comprehensive view of each insurer.
Car insurance costs in Singapore vary based on factors like your car's model and age, your driving experience, and the type of coverage you choose. Generally, premiums can range from a few hundred to several thousand dollars per year.
When comparing car insurance, consider the coverage, benefits, claim excess, premium price, and the insurer's reputation for customer service and claims processing.
Yes, car insurance is mandatory in Singapore. At the very least, you must have third-party coverage to legally drive your vehicle.
There are three main types of car insurance in Singapore, namely, third-party only, third-party fire and theft, and comprehensive insurance.
The amount of car insurance you need depends on your individual needs and circumstances. So, consider factors like your driving habits, vehicle value, and budget to determine how much car insurance coverage you need.
For new drivers, it's recommended to opt for comprehensive coverage with a reputable insurer that offers additional benefits like roadside assistance and a good claims process.
Usage-based insurance (UBI) is a type of car insurance where your premium is calculated based on your actual driving behaviour, such as mileage, speed, and braking habits.
High car insurance quotes can be attributed to various factors, including your age, driving history, and the type of vehicle you own. Comprehensive coverage, living in high-risk areas, and modifications to your car can also increase costs. However, when you understand these factors, you can explore options to potentially lower your car insurance premiums.
Using online comparison tools like SingSaver's is the fastest way to compare car insurance quotes from multiple insurers in Singapore.
At SingSaver, we're committed to providing accurate and unbiased car insurance comparisons to help you make informed decisions. To ensure our information is up-to-date and reliable, we use a rigorous evaluation method:
Our data sources:
SingSaver is an independent comparison platform that ensures recommendations are unbiased and objective. This commitment to transparency also means that insurance providers cannot pay to alter their rankings or reviews on our platform.
Furthermore, we continuously monitor and update our information to reflect changes in pricing, promotions, and policy details, ensuring our comparisons are always accurate and relevant. Our rigorous methodology and commitment to transparency ensure that you can trust SingSaver to provide reliable and unbiased car insurance comparisons, empowering you to make informed decisions about your coverage.