If you are looking at an Avatr 11, the version you pick shapes your yearly bills more than you might expect. The motors come in two power levels, and road tax follows power. This guide sets out the figures for each version, then the insurance.
The verdict on cost: the 308bhp versions carry a far smaller road tax bill than the 530bhp ones. Insurance prices are examples for one stated driver, as of 1 November 2026.
The range on the new-car list
The new-car list read on 2026-10-10 shows four versions. It calls the car an SUV, made in China.
- AVATR 11 Electric Standard Range 90 kWh: 308bhp, listed at S$326,999
- AVATR 11 Electric RWD 116 kWh: 308bhp, listed at S$356,999
- AVATR 11 Electric AWD 116 kWh: 530bhp, listed at S$386,999
- AVATR 11 Electric Royal Edition AWD 116 kWh: 530bhp, no list price shown
Those prices are as listed on 2026-10-10, each including COE as listed that day. Ask for a current figure before you compare.
The quote form has five versions, adding a Long Range 116 kWh. The insurance prices below are for the AWD 116 kWh, the version most insurers quote.
Road tax by motor
Electric cars pay road tax on motor power. LTA's formula gives, before any age surcharge:
- 308bhp (230kW): S$2,264.00 a year, for the Standard Range and RWD
- 530bhp (395kW): S$5,665.70 a year, for the AWD and Royal Edition
So the AWD versions pay well over twice as much each year. Over the years you keep the car, that gap grows. It is worth setting beside the gap in list price.
A surcharge is added for cars over 10 years old:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page works out other motors.
COE category
For electric cars, motor power sets the COE category. The price page gives the rule:
- Category A if the motor is 110kW (147bhp) or less, which closed at S$132,004 in the October 2026 2nd round
- Category B if it is more powerful, which closed at S$131,901 in the same round
Every listed version has more power than the Category A limit. The COE page shows the latest results.
Insurance for the family's main driver
The Avatr 11 price page prices a typical main driver:
- Aged 40, married, office job, 10 years' driving
- 50% no-claim discount (NCD), no claims
- Car registered 3 years ago, private use, comprehensive cover
- Repairs at an authorised workshop, no options
For that driver, 3 insurers price it. The lowest premium is S$1,348.70 a year. The dearest starts at S$2,014.07, which is S$665.37 more, or 49% on top. Two plans share that higher figure. All three prices are estimates and include 9% GST.
Every plan carries an excess of S$600. The page lists 16 insurers with no online price, so 3 of 19 quote it.
Who it suits on insurance cost
An older driver. At 65 with 20 years' driving, the lowest price is S$1,504.28. That is only S$155.58 more, and all 3 insurers still quote.
A buyer of a new or older car. A new car and an 8-year-old car both keep the lowest price of S$1,348.70. The car's age does not move it.
A driver who keeps a clean record. The standard price assumes 50% NCD, and that is what keeps it low.
Who may pay more
A driver without NCD. With no NCD, the lowest price is S$2,839.40, which is S$1,490.70 more. That is a rise of 111%, the biggest change on the page. With 20% NCD, it is S$2,271.51, or S$922.81 more.
A young driver. A driver aged 27 with 3 years' driving and 30% NCD pays from S$2,752.14. That is S$1,403.44 more.
If a younger family member will be the main driver, the premium could be about double the standard figure.
Against other electric cars
The price page compares six electric cars, for the same driver and car age:
- BMW iX1: S$1,907.27
- BYD Sealion 7: S$1,390.72
- Tesla Model Y: S$939.71
- BYD Atto 3: S$913.63
- Tesla Model 3: S$913.62
- BYD M6: S$861.41
Their average lowest price is S$1,154.39. The Avatr 11 costs 17% more. Four of the six are cheaper to insure, while the BMW iX1 and BYD Sealion 7 cost more. The car insurance page explains how these prices are compared.
Questions to ask yourself
- Which motor do you need? The road tax gap between 308bhp and 530bhp is large and recurring.
- Can you charge at home? If your HDB block or condo has no charger, public charging costs and time count.
- Who will drive it most? Age and NCD move the premium far more than the car's age.
- What does the battery warranty cover? Ask for how long and on what terms.
- What will parking, ERP and servicing cost you? Those depend on your routine, not on the car.
Summary of yearly costs we can show
For the Avatr 11:
- Road tax, 308bhp versions: S$2,264.00 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Road tax, 530bhp versions: S$5,665.70 a year
- Insurance, standard driver, AWD 116 kWh: from S$1,348.70 a year (as of 1 November 2026)
- Insurance, no NCD: from S$2,839.40
- Insurance, driver aged 65: from S$1,504.28
The one-off costs, for reference: from S$326,999 for the Standard Range to S$386,999 for the AWD, as listed on 2026-10-10 including COE.
Before you buy: car insurance for the Avatr 11
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Avatr 11 to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.