Find The Best Car Insurance Quotes in Singapore

Protect your vehicle with the most competitive car insurance offers and enjoy additional rewards such as S$280 petrol voucher or up to 23% 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.

Great EV Protect

Great_Eastern_logo

From S$2,749.00 per year


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Best For: Electric Vehicles

  • For Electric Vehicles only
  • Covers any driver as long as authorised by you. 
  • Covers home content for damage as a result of fire caused by your charging station.
  • Covers outpatient medical expenses due to electric shock whilst charging your vehicle. 

Receive $300 worth of SP Mobility Charging Credits when you apply NOW! (Fulfillment by Great Eastern). T&Cs apply. 

 


 

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

Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 2024. T&Cs apply. 



Personal Accident

  • S$120K

Choice of Workshop

  • Any Workshop 

24-Hr Roadside Assistance

  • Available



Based on a 35 year old married male driving a Tesla Model 3 78 kwh with 50% NCD, a clean driving record and with 10 years of driving experience

FWD Comprehensive Car Insurance

Logo-Review-FWD-Travel-Insurance

From S$769.53 per year


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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
Use the promo code CAR10 to get a 10% discount when you buy NOW! Valid till 31 May 2024. T&Cs apply.




Plus, receive
SingSaver Exclusive Rewards when you apply now!

 

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



Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 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$703.62 per year


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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 31 May 2024. T&C Apply

 


 

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

Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 2024. T&Cs 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
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 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$659.53 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

Use promo code AIGSS5 to get 5% discount and S$150 PayNow (min premium $800) (Fulfillment by SS). Valid till 31 May 2024. T&Cs apply. Also, receive S$50 worth of Dairy Farm vouchers when you register AIG's On the Go app (Fulfilment by AIG). Valid till 31 May 2024. T&Cs apply.

 


 

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


Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 2024. T&Cs apply. 

Lowest price anywhere - Best Deal Guarantee by SingSaver

 

Personal Accident

  • Not available 

Choice of Workshop

  • Authorised Workshop 

24-Hr Roadside Assistance

  • Not available
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 with 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$808.25 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$300 cashback (fulfillment by Tiq). Valid till 31 May 2024. T&Cs apply



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


Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 2024. T&Cs 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.
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 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$784.45 per year


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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 S$120 e-vouchers (Fulfillment by MSIG) when you buy now! Valid till 28 July 2024. T&Cs apply.

 


 

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

Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 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
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 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$415.86 per year


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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 31 May 2024. T&Cs Apply. 



Receive SingSaver Exclusive Rewards when you apply now! ⬇️

Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 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.
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 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$967.22 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! ⬇️

Unlock an exclusive chance to win S$500 worth of FREE PARKING when you buy now! Promotion ends 30 June 2024. T&Cs 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
Based on a 35 year old married male driving a 2020 Toyota Corolla Altis 1.6 with 50% NCD, a clean driving record, 10 years of driving experience with 0 claims in the last 3 years

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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 $250 car petrol vouchers plus a *chance to win $500 worth of free parking 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*

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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

Apply
Great EV Protect
Great EV Protect
S$ 900 S$120,000 Up to Market Value
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

Apply
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_

How to Compare Car Insurance policy?

 

When selecting a car insurance policy, it's essential to consider several factors to ensure you get the coverage that meets your needs. Here are some key things to look out for:

Coverage options

Understand the types of coverage offered by the policy, including liability, collision, comprehensive, uninsured/underinsured motorist and personal injury protection. Choose coverage that aligns with your needs and risk tolerance.

Deductibles

Evaluate the deductibles for each type of coverage. A higher deductible typically means lower premiums but requires you to pay more out of pocket in the event of a claim.

Policy Limits

Check the policy limits to ensure they provide adequate coverage for your vehicle and assets. Consider factors such as the value of your car, your financial situation and potential liability in case of an accident.

Policy Exclusions and Limitations

Read the policy carefully to understand any exclusions or limitations that may affect coverage, such as restrictions on driving other vehicles or coverage for specific types of damage.

Discounts

Look out for available discounts for factors such as safe driving, multiple policies, anti-theft devices, or bundling insurance with other products from the same provider. Taking advantage of discounts can help lower your premiums.

Customer Reviews and Ratings

Take the time to research customer reviews and ratings for the insurance company. Positive reviews indicate a reliable insurer with good customer service.

Additional Benefits

Additional benefits or optional coverage may be offered by the policy, such as roadside assistance, rental car reimbursement or accident forgiveness. Assess whether these extras are worth the additional cost.

Claims Process

Understand the insurer's claim process, including how to file a claim, timeframes for resolution, and any requirements for documentation or evidence.

Premiums Cost

Compare premiums from different insurers while considering the level of coverage and benefits provided. The cheapest policy may not always offer the best value if it lacks essential coverage or has poor customer service.

Additional Benefits

Additional benefits or optional coverage may be offered by the policy, such as roadside assistance, rental car reimbursement or accident forgiveness. Assess whether these extras are worth the additional cost.

Claims Process

Understand the insurer's claim process, including how to file a claim, timeframes for resolution, and any requirements for documentation or evidence.

Premiums Cost

Compare premiums from different insurers while considering the level of coverage and benefits provided. The cheapest policy may not always offer the best value if it lacks essential coverage or has poor customer service.

By carefully evaluating these factors, you can choose a car insurance policy that provides adequate coverage and peace of mind on the road.


Flexible Excess Car Insurance: Coverage That You Can Choose

Product

Claim Excess

Personal Accident Coverage

Third Party Coverage

Apply
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
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.

What is NCD in Car Insurance?

No Claim Discount (NCD) is a reward for safe driving habits. NCD serves to decrease the premium for subsequent policy renewals, incentivising careful driving behaviour. Below is a table illustrating how NCD is calculated by most insurers in the industry for Private Car policies. 

Number of Accident-Free Years

Percentage of NCD Awarded

One year

10%

Two consecutive years

20%

Three consecutive years

30%

Four consecutive years

40%

Five or more consecutive years

50%

 


Essential Car Insurance Picks for Emergencies

Product

Personal Accident Coverage

Choice of Workshop

Towing

Courtesy Car

24 hr Roadside Assistance

Apply
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

Types of Coverage

Car insurance policies typically offer a variety of coverages to protect you and your vehicle from various risks. Some common types of coverages include:

Liability Coverage

This covers bodily injury and property damage that you may cause to others in an accident where you are at fault. It typically includes both bodily injury liability and property damage liability.

Collision Coverage

This covers damage to your own vehicle in the event of a collision with another vehicle or object, regardless of fault.

Comprehensive Coverage

This covers damage to your vehicle from non-collision incidents such as theft, vandalism, fire, falling objects or natural disasters.

Uninsured/Underinsured Motorist Coverage

This covers you if you are involved in an accident with a driver who doesn't have insurance (uninsured) or doesn't have enough insurance to cover the damages (underinsured).

Personal Injury Protection or Medical Payments Coverage

This covers medical expenses for you and your passengers if injured in an accident, regardless of fault.

Rental Reimbursement Coverage

This covers the cost of renting a vehicle while your car is being repaired due to a covered claim.

Roadside Assistance/Towing Coverage

This covers the cost of towing your vehicle to a repair shop or providing other roadside assistance such as tire changes, jump starts or fuel delivery.

The specific coverages and limits offered can vary depending on the insurance company and the policy you choose. It's important to review your policy carefully and consider your individual needs when selecting coverages.


Best Car Insurance for Different Workshop Options

Product

Choice of Workshop

Towing

Courtesy Car

24 hr Roadside Assistance

Apply
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!

  • Score an exclusive chance to win FREE PARKING* worth $500! Valid till 30 June 2024. T&C apply.
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