The 10 Best Car Insurance in Singapore

Compare Singapore car insurers for value, claims support, workshop choice and everyday ease.

Reviewed by our editors · Updated July 2026 · How we rank

Our verdict: DirectAsia Insurance is the best car insurance in Singapore right now - best overall for transparent, customisable motor cover. Budget Direct Insurance runs it closest.

Car insurance in Singapore is not just about finding the cheapest premium. Drivers should compare excess, named-driver rules, NCD protection, workshop restrictions, towing support, windscreen cover and how claims are handled after an accident.

The strongest providers balance transparent online quotes with reliable claims help, clear policy wording and practical local support. This ranking favours insurers with real motor products, accessible Singapore service channels and a track record that suits everyday private-car owners.

01
DirectAsia Insurance
89/100
Direct online motor insurer with customisable car plans and a strong focus on value.
16 Raffles Quay, #29-01 Hong Leong Building, Singapore 048581
directasia.com
$ price range
“Best overall for transparent, customisable motor cover.” - our editors
THEBESTSG STAFF REVIEW
DirectAsia is one of the clearest choices for drivers who want to tune their cover without sitting through agent-heavy sales. The online quote journey, NCD60 proposition and low-mileage option make sense for careful drivers who want savings without dropping to bare-bones third party cover. Its motor focus also shows in the way claims and optional benefits are presented. The trade-off is that drivers who prefer a traditional adviser relationship may find the direct model less personal.
Why DirectAsia Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned the top spot for its motor-first positioning, transparent direct model, useful NCD and low-mileage savings, and strong fit for Singapore drivers who compare policies online.
DirectAsia Insurance is a Singapore motor and travel insurer under Auto & General Insurance (Singapore) Pte. Limited. Its car insurance is built around online quotes, direct policy management and flexible cover choices, including comprehensive, third party fire and theft, and third party only options. The brand highlights NCD60 for eligible long-term safe drivers, low-mileage savings and optional benefits such as breakdown assistance and loss-of-use cover. Its Singapore team is locally based, and customers can reach a dedicated care hotline, claims hotline and service counter at Raffles Quay.
THE EDITORS' SCORECARD - 89/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility18/20
Value for Money18/20
Innovation17/20
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02
Budget Direct Insurance
88/100
Value-focused car insurer with direct pricing, online quotes and verified customer reviews.
16 Raffles Quay, #29-01 Hong Leong Building, Singapore 048581
budgetdirect.com.sg
$ price range
“Best for drivers shopping hard on price.” - our editors
THEBESTSG STAFF REVIEW
Budget Direct is strong for drivers who are price-sensitive but still want a proper Singapore insurer behind the policy. Its modular approach is useful: start with core cover, then add only what you need. The large volume of published customer feedback is also helpful when assessing service consistency. The honest limitation is that the value model requires you to read the options carefully, because the cheapest setup may not include every benefit a family driver expects.
Why Budget Direct Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It ranks highly for genuine value, strong digital self-service, clear motor product segmentation and a large base of verified customer feedback.
Budget Direct Insurance is another Auto & General Insurance (Singapore) brand, offering car, motorcycle, commercial vehicle and travel insurance directly to consumers. Its car insurance proposition centres on lower premiums, online quotation, optional covers and a no-agent-commission model. The website publishes customer review data and says its car insurance customers reported average savings after switching, based on survey responses. Customers can contact separate hotlines for policy purchases, servicing and 24-hour claims assistance, and can manage policies through its online Policy Manager.
THE EDITORS' SCORECARD - 88/100
Unique Service Proposition18/20
Quality of Service18/20
Accessibility18/20
Value for Money17/20
Innovation17/20
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03
Income Insurance
87/100
Established local insurer with Drivo plans, Orange Force assistance and broad cover options.
income.com.sg
$$ price range
“Best mainstream insurer for accident response support.” - our editors
THEBESTSG STAFF REVIEW
Income remains one of the safest mainstream picks for drivers who want an established local name and a structured claims ecosystem. Orange Force is the main reason many Singapore motorists keep it on their shortlist, especially those who want guided help after an accident. The plan ladder is also clear, with workshop flexibility available at the higher tier. The trade-off is price: drivers focused purely on the lowest premium may find direct insurers sharper.
Why Income Insurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for its established Singapore presence, comprehensive Drivo structure, Orange Force accident support and practical add-ons for everyday family drivers.
Income Insurance offers Drivo Car Insurance for private-car owners in Singapore. The product includes comprehensive accident cover, unlimited windscreen cover, third-party property damage cover up to $5,000,000, personal accident benefits and towing support. A key differentiator is Orange Force, Income's accident response team, which provides accident assistance in Singapore. Drivers can choose among Classic, Advantage and Premium plans, with Premium allowing repairs at a preferred workshop. Optional benefits include NCD protection, excess waiver cover, daily transport allowance and roadside assistance and wellness cover.
THE EDITORS' SCORECARD - 87/100
Unique Service Proposition17/20
Quality of Service19/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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04
AIG Singapore
86/100
Global insurer offering complete and collision-only car plans with strong claims messaging.
aig.sg
$$$ price range
THEBESTSG STAFF REVIEW
AIG is a good fit for drivers who prefer a global insurer and want a more structured, claims-led product. Its Complete and Collision Only split is useful for comparing protection levels, and the lifetime repair guarantee is a confidence signal for workshop repairs. The online quote flow is detailed, which helps underwriting accuracy. The trade-off is that eligibility rules can be stricter, and not every vehicle or driver profile will get the smoothest quote online.
Why AIG Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned its position for recognised brand strength, clear plan choices, claims confidence signals and 24-hour accident support for private-car drivers.
AIG Singapore offers car insurance through AIG Asia Pacific Insurance Pte. Ltd. Its private car plans include AIG Car Insurance Complete and Collision Only, with online quote and purchase support. The Complete plan covers accidental damage, fire, theft and third-party liability, while Collision Only narrows own-damage cover to collisions with another vehicle. AIG highlights fast claims handling, a policy lifetime repair guarantee and a 24-hour auto accident emergency hotline. The product also includes workshop-based repair arrangements, towing benefits and options such as mileage and age-condition selections during quotation.
THE EDITORS' SCORECARD - 86/100
Unique Service Proposition17/20
Quality of Service18/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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05
Etiqa Insurance Singapore
85/100
Maybank Group insurer with motor coverage, digital servicing and a central service office.
23 Church Street, #01-01 Capital Square, Singapore 049481
etiqa.com.sg
$$ price range
THEBESTSG STAFF REVIEW
Etiqa is a sensible shortlist pick for drivers who want a regional insurer with banking-group backing and multiple service channels. The customer-care setup is practical: hotline, WhatsApp, mobile app, live chat and appointment-based visits cover most servicing preferences. Its central office is also convenient for CBD users. The trade-off is that its motor proposition is less prominently packaged than motor specialists, so drivers may need to compare policy wording closely before choosing a plan.
Why Etiqa Insurance Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It stands out for reputable group backing, accessible support channels, dedicated motor claims contact and a convenient Singapore office for policy servicing.
Etiqa Insurance Singapore is a licensed general and life insurer and a member of the Maybank Group. Its Singapore site lists Motor Insurance under personal products, with supporting channels for customer care, motor claims and policy services. Customers can contact Etiqa by hotline, WhatsApp service, live chat, the Etiqa+ SG mobile app or appointment-based office visits at Capital Square. Its published service process includes complaint acknowledgement and response timelines, and motor claims have a dedicated public contact route through the claims section.
THE EDITORS' SCORECARD - 85/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money17/20
Innovation17/20
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06
MSIG Insurance Singapore
84/100
Established general insurer with motor cover, workshop locator and roadside assistance.
4 Shenton Way #21-01 SGX Centre 2, Singapore 068807
msig.com.sg
$$ price range
THEBESTSG STAFF REVIEW
MSIG is the kind of insurer that appeals to drivers who value institutional reliability over flashy quote mechanics. Its motor support is practical, with roadside assistance for comprehensive private car policyholders and a workshop locator that matters after an accident. The Shenton Way customer centre is useful for people who still want face-to-face support. The trade-off is that its online motor buying path is less prominent than direct insurers, so quote comparison can feel less immediate.
Why MSIG Insurance Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was chosen for solid general-insurer reputation, motor roadside assistance, accessible claims resources and a physical customer centre in the CBD.
MSIG Insurance Singapore is a long-established general insurer offering personal and commercial insurance, including motor products. Its support pages list motor insurance emergency help, including 24-hour roadside assistance for comprehensive private motor car policyholders, plus claims hotlines and a workshop locator. The customer centre is at SGX Centre 2 on Shenton Way, with published operating hours on weekdays. MSIG also provides customer and partner portals, payment options, claims resources and online support forms for enquiries, feedback and policy updates.
THE EDITORS' SCORECARD - 84/100
Unique Service Proposition17/20
Quality of Service17/20
Accessibility17/20
Value for Money16/20
Innovation17/20
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07
Allianz Insurance Singapore
83/100
Global insurer offering Allianz Motor Protect and Electric Motor Protect in Singapore.
79 Robinson Road #09-01, Singapore 068897
allianz.sg
$$ price range
THEBESTSG STAFF REVIEW
Allianz is a strong option for drivers who prefer a globally recognised insurance name and want both conventional and electric motor coverage under one brand. The separate Electric Motor Protect listing is useful as more Singapore drivers move to EVs. Its Robinson Road office and phone support are straightforward. The trade-off is that its local motor proposition is newer and less review-rich than long-running direct motor brands, so buyers should compare excess, workshops and claims flow carefully.
Why Allianz Insurance Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It made the list for brand strength, specific motor and electric motor products, local Singapore licensing and clear contact access for policy support.
Allianz Insurance Singapore Pte. Ltd. offers individual solutions including Allianz Motor Protect and Allianz Electric Motor Protect. The Singapore office is at 79 Robinson Road, and customers can call or email to arrange assistance or appointments. The motor product sits alongside travel, home, accident, cancer, cyber and hospital income products, while the corporate section also includes commercial motor insurance. Allianz's Singapore presence gives drivers access to a globally recognised insurer with dedicated local contact channels and a growing individual insurance portfolio.
THE EDITORS' SCORECARD - 83/100
Unique Service Proposition16/20
Quality of Service18/20
Accessibility16/20
Value for Money16/20
Innovation17/20
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08
HL Assurance
82/100
Digital-friendly insurer offering Car Protect360 with roadside assistance and flexible workshops.
hlas.com.sg
$ price range
THEBESTSG STAFF REVIEW
HL Assurance is particularly appealing to drivers who want an online-friendly quote journey and a lighter, promo-driven motor product. Car Protect360 is easy to understand, and the flexible workshop angle is useful for owners who do not want to be boxed into one repair path. Published customer comments point to easy online purchase and helpful phone support. The trade-off is that it feels more retail and promotion-led than the larger composite insurers, so coverage limits deserve a careful read.
Why HL Assurance made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It was selected for accessible online purchase, practical Car Protect360 benefits, roadside assistance and positive customer comments around motor quote support.
HL Assurance offers Car Protect360 for private-car owners in Singapore. The product page highlights comprehensive car cover, flexible workshop plans, high medical coverage, daily transport allowance and 24-hour roadside assistance. Its website supports online quote and purchase, quote retrieval and claims resources. Customer reviews published on the site mention online purchase ease, help with motor quotations and switching from other motor insurers. HL Assurance also lists WhatsApp contact and a public service email for customer enquiries on its Singapore website.
THE EDITORS' SCORECARD - 82/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility16/20
Value for Money16/20
Innovation17/20
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09
Sompo Insurance Singapore
81/100
Japanese general insurer offering private car plans with MARS accident response support.
50 Raffles Place, #03-03 Singapore Land Tower, Singapore 048623
sompo.com.sg
$$$ price range
THEBESTSG STAFF REVIEW
Sompo is a dependable choice for drivers who like established Japanese general insurers and want practical accident-scene help. The MARS response service is the standout because it addresses the messy first hour after a collision, not just the paperwork later. Its Raffles Place office and claims resources are also reassuring. The trade-off is that its consumer-facing motor pages are less polished than newer digital insurers, so comparing premiums and benefits may take more effort.
Why Sompo Insurance Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It earned a place for reputable insurer backing, private car coverage, 24-hour MARS accident response and clear Singapore office presence.
Sompo Insurance Singapore Pte. Ltd. offers personal insurance including Private Car, plus commercial motor insurance for businesses. Its support information lists comprehensive private-car emergency assistance through MARS, a 24-hour mobile accident response service that helps at accident scenes in Singapore, assists with photographs, statements, GIA e-filing and towing arrangements. Sompo's private car emergency contact is separate from its general contact number. The company operates from Singapore Land Tower at Raffles Place and provides online claims submission, reporting-centre information and policy renewal support.
THE EDITORS' SCORECARD - 81/100
Unique Service Proposition16/20
Quality of Service16/20
Accessibility16/20
Value for Money17/20
Innovation16/20
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10
FWD Singapore
80/100
Digital insurer distributing Drivo Car Insurance with Orange Force accident assistance.
#18-01 Suntec Tower 4, 6 Temasek Boulevard, Singapore 038986
fwd.com.sg
$$ price range
THEBESTSG STAFF REVIEW
FWD is best seen as a polished digital access point to Income-underwritten Drivo cover. The user experience is modern, the support channels are easy to find, and the plan information is laid out clearly. It is useful for customers who already manage policies through FWD and want a familiar app-led experience. The trade-off is important: FWD is the distributor for this car product, so buyers should understand that underwriting and some policy details sit with Income.
Why FWD Singapore made TheBest SG · full scorecardLess
WHY THEY MADE THEBEST SG
It remains a reputable option because it offers a smooth digital route to Drivo cover, backed by clear support channels and Orange Force benefits.
FWD Singapore distributes Drivo Car Insurance, which is underwritten by Income Insurance Limited. The product page presents Drivo car plans with Orange Force accident assistance, NCD protection as an optional benefit, 24-hour referral services in West Malaysia and plan options that vary by workshop choice. FWD's own support channels include an online services portal, mobile app, customer service hotline, emergency hotline and Suntec Tower office by appointment. For drivers already using FWD for other policies, the car insurance journey sits neatly within its digital service ecosystem.
THE EDITORS' SCORECARD - 80/100
Unique Service Proposition16/20
Quality of Service17/20
Accessibility16/20
Value for Money15/20
Innovation16/20
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Best Car Insurance in Singapore compared

Rank	Name	Known for	Price
#1	DirectAsia Insurance	direct insurer · online quote	$
#2	Budget Direct Insurance	budget · direct insurer	$
#3	Income Insurance	local insurer · orange force	$$
#4	AIG Singapore	global insurer · claims support	$$$
#5	Etiqa Insurance Singapore	maybank group · motor claims	$$
#6	MSIG Insurance Singapore	general insurer · roadside assistance	$$
#7	Allianz Insurance Singapore	global insurer · electric vehicles	$$
#8	HL Assurance	online purchase · roadside assistance	$
#9	Sompo Insurance Singapore	japanese insurer · mars response	$$$
#10	FWD Singapore	digital insurer · drivo	$$

Car Insurance in Singapore - your questions

What type of car insurance do I need in Singapore?

Most private-car owners choose comprehensive insurance because it covers damage to their own vehicle as well as third-party liability. Third party only and third party, fire and theft plans can cost less, but they leave more repair costs with you.

Does cheaper car insurance always mean better value?

Not always. A low premium can come with higher excess, stricter workshop limits, fewer add-ons or less generous transport allowance. Compare the full policy terms, not just the quote price.

What is NCD and why does it matter?

No Claim Discount rewards claim-free driving and can reduce your renewal premium. In Singapore, private-car NCD can build up over several claim-free years, so NCD protection may be worth considering if you have a high discount.

Should I choose authorised workshop or any workshop cover?

Authorised workshop plans are usually cheaper and easier for claims coordination. Any workshop plans cost more but suit drivers who prefer a trusted workshop, specialised repairs or higher-end vehicles.

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