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Find the best car insurance coverage at the most affordable price

Protect your vehicle with the most competitive car insurance offers and enjoy additional rewards such as S$280 petrol voucher or up to 28% discount* from top insurers like FWD, Singlife, AIG, Etiqa, and many others when you buy today.

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Compare the Best Comprehensive Car Insurance Plans
Find the perfect coverage that fits your needs from FWD, Singlife, AIG, MSIG, and other top insurers in Singapore.

FWD Comprehensive Car Insurance

Logo-Review-FWD-Travel-Insurance

From S$868.99 per year


Get Quote

Best For: Drivers With 50% NCD

  • FWD guarantees your 50% NCD for lifetime even after a claim, so you enjoy premium savings for life. 
  • Quick and easy to get quotes and apply. Complete purchase of your car insurance within minutes.
  • Covers anyone you trust to drive your car. 
  • Covers you when you drive in West Malaysia and parts of Thailand.

🏆 Best in Market Promo
Enter promo code SSCAR to get 25% off when you apply NOW! Valid till 29 Feb 2024. T&Cs apply. 
 



Plus, receive
SingSaver Exclusive Rewards when you apply now!

 

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C Apply

Lowest price anywhere - Best Deal Guarantee by SingSaver.



Personal Accident

  • S$30K / S$50K / S$75K 

Choice of Workshop

  • Authorised Workshop. 
  • Any Workshop available at additional cost. 

24-Hr Roadside Assistance

  • Available



Premiums based on a 30 year old married male driving a Honda Civic 1.0with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

Etiqa (Tiq) Comprehensive Car Insurance

Tiq_Etiqa_LogoLockUp-02-2
From S$913.25 per year


Get Quote

Best For: Young Drivers & Low Mileage Drivers

  • '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.

 


Use promo code TIQSINGSAVER to get 20% off and get up to S$310 cashback (fulfillment by Tiq). Valid till 29 Feb 2024. T&Cs apply.



Plus, receive SingSaver Exclusive Rewards when you apply now! ⬇️


A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C Apply

Lowest price anywhere - Best Deal Guarantee by SingSaver.

Personal Accident

  • S$50K

Choice of Workshop

  • Authorised Workshop

24-Hr Roadside Assistance

  • Available as an add-on.
Premiums based on a 30 year old married male driving a Honda Civic 1.0 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

Singtel Car Protect



From S$812.24 per year


Get Quote

Best For: Affordable & Comprehensive Coverage

  • Up to S$120K PA coverage – among the highest in the market
  • As low as S$0 repair excess
  • Up to S$80 off a set of 4 new tyres/rims
  • Covers damage to someone’s property of up to S$5,000,000, and unlimited coverage for death or injury to third parties.
  • Coverage is automatically extended to unnamed drivers.
  • Covers you when  West Malaysia, and the parts of Thailand.

 🏆 Best in Market Promo

Receive up to S$280 petrol vouchers with any plan purchased. Gift fulfilled by Singtel. Valid till 29 Feb 2024. T&C Apply

 


 

Plus, receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C apply

 

Personal Accident

  • S$120K for main drivers
  • S$50k coverage for authorised drivers

Choice of Workshop

  • Authorised Workshop 
  • Any Workshop is available in  higher-tiered plan type

24-Hr Roadside Assistance

  • Not Available
Premiums based on a 30 year old married male driving a Toyota Wish 1.8 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

MSIG Motor Comprehensive

MSIG_logo-e1549984631366
From S$1,046.76 per year


Get Quote

Best For: Scope of Benefits

  • 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.



 Get up to $70 PayNow. Valid till 29 Feb 2024. T&Cs apply.  Plus, get up to $120 e-vouchers (Fulfillment by MSIG) when you apply NOW! Valid till 19 Mar 2024. T&Cs apply. 

 


 

Plus, receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&Cs apply.

 

Personal Accident

  • S$20K / S$100K 

Choice of Workshop

  • Authorised Workshop 
  • Any Workshop is available in  higher-tiered plan type

24-Hr Roadside Assistance

  • Available
Premiums based on a 30 year old married male driving a Toyota Wish 1.8 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

Allianz Motor Protect

allianz-logo
From S$1,924.13 per year


Get Quote

Best For: Courtesy Car & Post-accident Repair Works Guarantee

  • Lifetime warranty on repairs
  • Complimentary courtesy car for up to 10 days per accident/breakdown.
  • NCD protector add-on available for drivers with 30% NCD and above. 
  • Third party only and Third Party, Fire & Theft plans also available. 
  • Both third party plans cover: Up to S$5,000,000 third party property damage, unlimited third party injury/death and legal representation up to S$3,000.

Receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C Apply

Lowest price anywhere - Best Deal Guarantee by SingSaver.

Personal Accident

  • Available as an add-on 

Choice of Workshop

  • Authorised Workshop

24-Hr Roadside Assistance

  • Available
Premiums based on a 30 year old married male driving a Honda Civic 1.5iT - SED with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

AIG Car Insurance

AIG logo-1
From S$821.32 per year

 

Get Quote

Best For: Protection From Collision

  • Collision-Only Plan covers collision-based accidents at a lower premium.
  • Covers third-party property damage of up to S$5,000,000, and unlimited coverage for death or injury to third parties 
  • Car Insurance Complete Plan adds additional coverage for theft, flood, windscreen/windows and riots.
  • You can limit coverage to drivers aged 30, 35, or 40 years old and above and pay a lower premium. 
  • You can also select your expected mileage and enjoy a lower premium

🌟SingSaver Exclusive Promo

Enter promo code AIGSS5 to get 5% off and up to S$128 PayNow (min. premium S$600) when you apply NOW! Valid till 29 Feb 2024. T&Cs Apply

Also receive S$50 worth of Shell e-vouchers when you register AIG's On the Go app (Fulfillment by AIG). Valid till 29 Feb. T&Cs apply.

 


 

Plus, receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C Apply

Lowest price anywhere - Best Deal Guarantee by SingSaver

 

Personal Accident

  • Not available 

Choice of Workshop

  • Authorised Workshop 

24-Hr Roadside Assistance

  • Not available
Premiums based on a 30 year old married male driving a Honda Civic 1.4 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

Singlife Car Insurance

Singlife-with-Aviva-Logo18
From S$1,050.22 per year


Get Quote

Best For: NSmen & Civil Servants, and Workshop Choices

  • 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 Standard Plan preserves your NCD. It reduces NCD by 10% after claim (vs 30% for other insurers).
  • Singlife’s Prestige Plan waives ‘young and inexperienced driver’ excess.
  • Can lock premium for 2 years.

 

Enter promo code CAR23 to get 23% off (for new businesses and annual plan only) when you apply NOW! Valid till 29 Feb 2024. T&Cs Apply. 



Receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&Cs apply. 

 

Personal Accident

  • S$50K / S$100K 

Choice of Workshop

  • Authorised Workshop 
  • Any Workshop is available in  higher-tiered plan type

24-Hr Roadside Assistance

  • Not available for Motor Lite plan type. Available for other plan types.
Premiums based on a 30 year old married male driving a HONDA CIVIC 1.5 EXI 4A 1493cc with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

HLAS Car Insurance

hlas_header_logo_20151215-1
From S$1,008.02 per year


Get Quote

Best For: Choice of Workshop & Car Servicing

  • Flexibility to choose between going to your choice of car workshop or HLAS’ quality workshops that come with reduced excess and premiums.
  • 9-month repair warranty for repairs done at HLAS approved workshop.
  • S$50 daily transport allowance, up to a limit of S$1,000 if repairs take 3 days or more.
  • 25% discount plus a choice of free car servicing, air-con treatment or paint protection.

 

Receive SingSaver Exclusive Rewards when you apply now! ⬇️

A S$20 petrol voucher and an exclusive chance to win a year's FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C apply

Personal Accident

  • Available as an add-on

Choice of Workshop

  • Authorised Workshop

24-Hr Roadside Assistance

  • Available
Premiums based on a 30 year old married male driving a Toyota Wish 1.8 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

Share your car details

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Get an exact car insurance quote

Why compare and buy car insurance from SingSaver?

Get 6 different customised quotes in real time
Find and compare 6 car insurance plans in real-time, specially customised based on your needs.

Get the best discounts and 1 year of petrol vouchers
Enjoy up to 28% discount or $280 vouchers plus a *chance to win 1 year's worth of petrol vouchers when you buy today.

Best Price Guarantee
If you find a better deal elsewhere, we will double the difference and reward you with Grab vouchers*

🛡️ By SingSaver Insurance Brokers Pte. Ltd.

Get in touch with our dedicated Insurance Specialists

Spoilt for choice? Call our specialists at +65 3138 2648 or Leave us an enquiry and we will get back to you in 24 hours!
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Car Insurance Plans based on your Car Model

Your Needs Are Unique – Your Car Insurance Should Be Too

 Let SingSaver guide you to the best car insurance plans in Singapore that fit your distinctive driving requirements

Top Car Insurance Plans for Your Electric Vehicle

Got the latest Tesla, BYD or Honda Ioniq? Charge up your savings with the latest car insurance policies tailored for EV owners

Product

Claim Excess

Personal Accident Coverage

Third Party Coverage

FWD Classic
FWD Classic
S$0 to S$2500 (adjustable) S$30,000 S$ 5000000
MSIG MotorMax Plus
MSIG MotorMax Plus
S$500 to S$1500 S$100,000 S$ 5000000
Singlife Motor Lite
Singlife Motor Lite
S$300 to S$2500 (adjustable) NA S$ 5000000
2-CARINSURANCE

How are premiums calculated for Electric Vehicles?

In Singapore, insurance premiums for electric vehicles (EVs) are influenced by the vehicle's value, repair costs, battery coverage, the driver's risk profile, safety features, usage patterns, and government incentives.

EVs often have higher initial purchase prices and specialized repair needs, particularly concerning the battery, which can increase premiums.

However, factors like advanced safety features and incentives aimed at promoting EV adoption can offset some costs. 

Top Car Insurance Plans For Cars That Have Multiple Drivers

If you own a car that is used by more than 1 family member, consider getting a car insurance plan that covers not just you, but all of them too.  All drivers get to enjoy full coverage but it is good to note that additional excess applies to 'Young & Inexperienced Drivers'

Product

Additional Excess for Young Drivers

Authorised Drivers

24hr Roadside Assistance

MSIG MotorMax Plus
MSIG MotorMax Plus
S$3,000 for drivers under 27 Any Driver
Yes
FWD Executive
FWD Executive
S$2,500 for drivers under 27 Any Driver Yes
FWD Prestige
FWD Prestige
S$2,500 for drivers under 27 Any Driver Yes
Singlife Motor Prestige
Singlife Motor Prestige
S$0 for young and inexperienced drivers Any Drivers Yes
Singtel CarProtect (Premium)
Singtel CarProtect (Premium)
S$2,500 for drivers under 26 Any Driver Yes
Singtel CarProtect (Essential)
Singtel CarProtect (Essential)
S$2,500 for drivers under 26 Any Driver Yes

Understanding Named and Unnamed Drivers: Who Gets Covered?

Most car insurance policies require any additional drivers to be named in the policy. These “Named Drivers’ receive full coverage when driving the insured vehicle. Doing so increases premiums, especially for young or inexperienced drivers who are deemed to be high risk.


“Unnamed Drivers”, who are not specifically listed in the policy, will only get lower insurance coverage and must pay a higher excess for damages or claims.

What is the difference between named and un-named drivers_

Flexible Excess Car Insurance: Coverage That You Can Choose

Product

Claim Excess

Personal Accident Coverage

Third Party Coverage

TIQ Comprehensive
TIQ Comprehensive
S$0 to S$2500 (adjustable) S$50,000 S$ 30000
FWD Classic
FWD Classic
S$0 to S$2500 (adjustable) S$30,000 S$ 5000000
Singlife Motor Lite
Singlife Motor Lite
S$300 to S$2500 (adjustable) NA S$ 5000000
Allianz Motor Protect
Allianz Motor Protect
S$0 to S$2000 (adjustable) S$50,000 S$ 5000000
HLAS Car Protect360
HLAS Car Protect360
S$0 to S$1500 (adjustable) S$20,000 S$ 5000000
What is the difference between any and authorised workshops

What is the Difference between 'Any' and 'Authorised' Workshops?

Authorised Workshops are pre-approved by the insurer and generally more cost-effective due to agreements with the workshops for affordable services.

Choosing any workshop may cost more as the insurer cannot control pricing. For owners of older vehicles who are less concerned about repair locations, an authorised workshop is often more economical. Check if the insurer's authorised workshops are conveniently located to avoid unnecessary travel for repairs.

Essential Car Insurance Picks for Emergencies

Product

Personal Accident Coverage

Choice of Workshop

Towing

Courtesy Car

24 hr Roadside Assistance

MSIG MotorMax Plus
MSIG MotorMax Plus
S$100,000 Any Workshop Up to S$ 500 Yes Yes
Singlife Motor Standard
Singlife Motor Standard
S$50,000 Any Workshop Excess halved if repaired at Authorised Workshop Included Yes Yes
Singlife Motor Prestige
Singlife Motor Prestige
S$100,000 Any Workshop Included Yes Yes
Singtel CarProtect (Premium)
Singtel CarProtect (Premium)
S$120,000 Any Workshop Up to S$ 300 Yes Yes
HLAS Car Protect360
HLAS Car Protect360
S$20,000 Any Workshop Excess halved if repaired at Authorised Workshop Included Yes Yes

Best Car Insurance for Different Workshop Options

Product

Choice of Workshop

Towing

Courtesy Car

24 hr Roadside Assistance

FWD Executive
FWD Executive
Authorised Workshop Up to S$ 400 Yes Yes
Singlife Motor Prestige
Singlife Motor Prestige
Any Workshop Included Yes Yes
Singtel CarProtect (Premium)
Singtel CarProtect (Premium)
Any Workshop Up to S$ 300 Yes Yes

Score some awesome SingSaver Add-on Deals when you make a purchase through our links!

  • Kickstart with a S$20 petrol voucher. Valid till 31 Mar 2024. T&C Apply
  • Top it up with an exclusive chance to win a year's worth of  FREE PETROL worth $5,200! Valid till 31 Mar 2024. T&C apply.
  • What's more?! Snag the ultimate bargain by purchasing through us and lock in the unbeatable deal. Discover more about our unbeatable Best Deal Guarantee.
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2-CARINSURANCE

Unsure How to Renew Your Car Insurance? Here's How

1. Check for Road Tax Renewal

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Before renewing your road tax, ensure your car insurance duration aligns with or extends beyond your road tax period. This is crucial, especially when buying a second-hand car, as the previous owner's insurance may have lapsed. Review and adjust your insurance to avoid any road tax renewal issues.

2. Select the Right Insurance Package

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Choose the appropriate car insurance package for your needs. Consider factors like car age and usage to decide which plan best suits your needs and budget, balancing the cost with the level of protection. Make sure you shop around to find the cheapest car insurance quotes.

3. Understand Workshop Options

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Check whether your insurance plan limits you to certain workshops or allows freedom of choice. While premium plans often offer the flexibility to choose your workshop, assess if the extra cost is justified for your needs. This can help avoid unpleasant surprises during repair claims.

4. Know Your Excess Amount

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Examine your policy's excess, particularly for windscreen repairs and for young or inexperienced drivers. Excess is the amount you pay out of pocket in a claim, which can vary significantly. Understanding this can help you anticipate potential costs in the event of an accident or damage.

5. Consider NCD Protector

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Look into adding an NCD (No-Claims Discount) Protector to your policy. This feature can safeguard your NCD in the event of a claim, preventing a significant increase in your subsequent premium. It's a valuable tool, especially for drivers with a clean accident record, helping maintain lower insurance costs over time.

Car Insurance Updates and Articles


Our articles will get you up to speed in no time!
Frequently Asked Questions (FAQs)

Is car insurance mandatory in Singapore?

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Yes, if you purchase a car in Singapore, you'll need a car insurance plan for it. Your vehicle has to be insured for the entire road tax renewal period before its road tax can be renewed. The policy must at least cover third-party liability for deaths and bodily injury.

What must I look out for when purchasing and comparing car insurance?

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Coverage — there are 3 different types of car insurance offered in Singapore depending on how much coverage you want for your car: Third Party Only (TPO), Third Party, Fire and Theft (TPFT), and Comprehensive plans. Find a plan that is able to meet your coverage needs and budget.

Premiums — the premiums are affected by your driver profile, driving experience, make and model of your car, claim history, excess and coverage amount. Do ensure you shop around to find the lowest premiums!

Excess - check how much excess you'll need to pay out-of-pocket in the event of an accident. Ensure it's an amount your comfortable with paying!

What is the average cost of car insurance in Singapore?

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On average, the cost for annual car insurance premiums usually falls between S$700 and S$1,000.

This range is reflective of the typical market rates in Singapore. It is a good baseline to consider when budgeting for your car insurance each year.

How can I purchase car insurance in Singapore?

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Deciding whether to buy car insurance directly from an insurer or through a broker comes down to personal preference.

 

If you prefer to auto-renew, buying directly from your existing insurer or agent will allow you to do that. However, it limits you from understanding what are the other insurance provider plans and deals out there. 

 

This is where we can help. Our car insurance comparison tool can help you find, compare and evaluate the best plan that fits your needs, plus offer unique deals and rewards that you cannot find elsewhere.

 

We even provide customer support to help with your paperwork, especially if you're switching insurance providers. 

Which car insurance is the best and cheapest?

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There is no one-size-fits-all car insurance plan, as every driver has their own needs in terms of coverage preference and budget they're willing to pay. It's always best to look around for the plan that is best tailored to your needs, and one that offers affordable premiums.

What car insurance is best for new drivers?

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Premiums and excess are usually a lot higher for new or young drivers. You also don’t enjoy the cost savings of NCD just yet. If you’re new to driving, it’s best to get a comprehensive plan that covers all possible damages in the event of an accident within your budget.

What is Usage-Based Car Insurance (UBI)?

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Usage-Based Insurance (UBI) calculates your car insurance premium based on the actual distance you drive.

 

This is tracked through a device in your car or by submitting photos of your odometer reading. It's a privacy-friendly option that can lead to savings, especially for less frequent drivers.

How do I file a car insurance claim?

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Filing a car insurance claim typically involves a few key steps including: -

  • If safe, keep your car stationary after an accident.
  • Immediately contact your insurer's assistance hotline
  • Take detailed photos of the accident scene.
  • Exchange contact information with the other driver involved.
  • Have your car repaired at an approved workshop

What happens when I cancel my car insurance?

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Cancelling your car insurance policy can vary based on your insurer's terms. Typically, if you cancel before renewal, you might only get about 70% of the unused premium back, with the insurer retaining around 30%.

 

It's often better to wait until renewal time to switch insurers penalty-free. Additionally, be aware that insurers can also choose to cancel your policy, sometimes without a refund, in cases of suspected fraud or illegal modifications.

How do I renew my car insurance?

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Renewing your car insurance in Singapore is a simple process. Here are the steps you need to take: 

1. Gather Documents
Gather the documents required by your insurance policy provider. These documents may include your vehicle registration details, driver's licence, and other relevant documents. 

2. Obtain a Car Insurance Renewal Quotation
Contact your insurance provider to obtain a car insurance renewal quotation. The insurer will then provide you with a renewal quotation based on your current policy and payment history. 

3. Compare Quotes
Compare the different car insurance renewal quotations from multiple providers and select the best one for you. 

4. Payment
Make the payment for your car insurance renewal. Depending on the policy, you may be able to pay using cash, cheque, or credit card. 

5. Processing Time
Once the payment is made, your car insurance renewal will be processed and the policy will be updated. 

6. Completion
Your car insurance policy documents will be sent to you via email or post. 

With these steps, you can easily renew your car insurance in Singapore and keep your vehicle protected.

Must I include my children who has just gotten their driving licence as named drivers?

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It is not mandatory for you to add your children as named drivers under your car insurance.

Adding a young and inexperienced driver as a named driver will incur higher insurance premiums as he is deemed as a ‘high-risk driver’ in the insurer’s eyes, and is more likely to get into an accident compared to an experienced driver.

Though adding him would mean higher premium prices, it is highly recommended that you include him anyway because unnamed drivers in an accident will result in a higher excess.

Ultimately, it is up to you to weigh your options and decide which is more worth it.

Have any additional questions?
Send us a line or two regarding your car insurance needs
or email us at insurance_enquiry@singsaver.com.sg