Find the best car insurance in Singapore
Helping Singapore drivers compare insurers since 2014
- HL Assurance
- MSIG
- Allianz
- Sompo
- Etiqa
- DirectAsia
- Income
Get your quotes in minutes
Fill in one form, compare quotes from our insurers.
- 1
Enter your car
Make, model, year and no claim discount.
- 2
Add your details
Answer a few questions about you and how you drive, or use Singpass.
- 3
Pick a plan
See every insurer's price in one list and choose the plan you want.
How to read a plan card
Every plan uses this layout, whichever insurer it comes from.
Comprehensive
Illustrative, not a quote.
- Excess
- S$600
- Windscreen excess
- S$100
- Workshop
- Any workshop
- Cover
- Comprehensive
Annual premium
The insurer's price to insure. GST is included.
Excess
What you pay towards each claim. A higher excess usually lowers the premium.
Windscreen excess
What you pay on a windscreen claim, usually less than the main excess.
Workshop
Authorised workshops only, or any workshop you choose. Authorised workshop plans usually cost less.
Cover
How far the plan goes. The table below compares the three levels.
If an insurer doesn't publish a figure, the card says so.
Which car insurance cover do you need?
Three levels of cover, each adding to the one before. This is what each pays for.
| Cover | Injury to others | Damage to others' property | Fire and theft of your car | Accident damage to your car | Windscreen |
|---|---|---|---|---|---|
| ComprehensiveYour car and others'. | CoveredInjury to other people | CoveredDamage to other people's cars and property | CoveredYour car if it is stolen or catches fire | CoveredAccident damage to your own car | Usually coveredWindscreen damage, usually |
| Third party, fire and theftOthers', and yours for fire and theft. | CoveredInjury to other people | CoveredDamage to other people's cars and property | CoveredYour car if it is stolen or catches fire | Not coveredAccident damage to your own car | Not coveredWindscreen damage |
| Third party onlyOthers' only. | CoveredInjury to other people | CoveredDamage to other people's cars and property | Not coveredYour car if it is stolen or catches fire | Not coveredAccident damage to your own car | Not coveredWindscreen damage |
A general guide. The exact terms are in each insurer's policy wording.
Customize, choose and pay direct to insurers
You obtain various car insurance quotes real-time within minutes
By submitting your details online
Choose the quote you like
And add riders if any, to see the final price
An affiliated adviser retrieves the quote and sends you the insurer payment details
You pay direct to insurer once you confirm the quote is correct
Your insurer takes over
It issues your policy and handles any claims directly
Insurance Guru is fully owned by ALP Rocks Pte Ltd, which works with licensed financial adviser representatives (FARs) to arrange car insurance quotations from various insurers for you to choose
What sets your premium
Insurers weigh these differently, so the same driver gets different prices.
- No claim discount
- Builds each year you don't claim, up to 50%.
- Driver age and experience
- Younger and newly licensed drivers usually pay more.
- Car make, model and age
- Repair costs and theft risk vary by model.
- Workshop choice
- Authorised-workshop plans usually cost less than any-workshop plans.
- Named drivers
- Adding young or inexperienced drivers raises the premium.
- Excess
- A higher excess can lower the premium, but you pay more per claim.
Renewing in the next two months?
Have your renewal notice handy. It shows your NCD and current premium, so you can see whether switching saves you money.
Compare your pricesCar insurance questions, answered
How does Insurance Guru work?
Tell us your car and a few details once. We ask the insurers on our panel and show their prices side by side. Pick a plan and an affiliated adviser contacts you within 24 working hours.
Is it free to compare?
Yes. Comparing costs nothing and commits you to nothing. You pay only for the policy you choose.
Are the prices real?
Yes. Each price is quoted by the insurer's own system for your car and your details, and includes GST.
What do I need to get a quote?
Your car's make, model and registration year, your no claim discount, and a few details about you and how you drive. Singpass can fill most of them in.
How do I pay?
After you order, an affiliated adviser sends you the insurer's payment details, and you pay the insurer directly. Nothing is charged on this site.
Comprehensive, third party fire and theft, or third party only?
Third party only pays for injury and damage you cause to others. Third party fire and theft also covers your own car if it burns or is stolen. Comprehensive adds accident damage to your own car.
What is a no claim discount (NCD)?
A discount for claim-free driving: 10% for each year without a claim, up to 50% after five years. It belongs to you, not the car, so it moves with you when you switch insurer.
What is an excess?
The part of each claim you pay yourself before the insurer pays the rest. A higher excess usually means a lower premium. Windscreen claims have their own, smaller excess.
Authorised workshop or any workshop?
An authorised workshop plan repairs your car at the insurer's own panel of workshops. An any workshop plan lets you choose, and usually costs more.
Can I drive to Malaysia on my policy?
Most Singapore car policies cover West Malaysia and the part of southern Thailand within 80 km of the border. Check the plan's policy wording before you go.
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