Compare and Find the Best Car Insurance Quotes of 2025 Online in Singapore
Updated: 22 Oct 2025
Great Eastern Drive and Save Plus
Singlife Motor Standard
- Great promo rates for NSmen & civil servants.
- 30+ workshops, including brand authorised workshops.
- '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.
- Can lock premium for 2 years.
MSIG MotorMax
- Offers car loan protection of S$100,000 in the event of death (for MotorMax Plus policy only).
- 24-hour roadside assistance
- Covers towing cost up to S$500.
- Long-standing car insurer in Singapore with over 30 authorised workshops.
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)
- 'Young and inexperienced' driver age threshold is 24 years old. One of the lowest in the market.
- ‘Drive Less Save More’ add-on gives up to 30% yearly cash rebates for low mileage drivers.
- Fully digital - Quick and painless buying experience.
- S$50 daily payout if car stuck in workshop, up to 5 days.
- Fast claim payment. Submit 'Own Damage' repair claims up to S$5,000 online and receive payment in 30 minutes.
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.
Car insurance rates
These are the annual rates for a 20-year-old single male with 0 years of driving experience and no claims within the last three years.
These are the annual rates for a 35-year-old married male with at least three years of driving experience, 50% NCD, and no claims within the last three years.
These are the annual rates for a 70-year-old married male with at least three years of driving experience, 50% NCD, and no claims within the last three years.