The BYD Atto 2 is a compact electric SUV. It sits just above the Atto 1 in BYD's range here. This piece sets out what it costs to own, with the figures we can show for COE, road tax and insurance.
The insurance figures are examples for one stated driver, as of 1 November 2026. They are a guide to the market, not your quote.
The version on the list
On 2026-10-10, the new-car list showed one version: the Atto 2 Electric Premium 51.13 kWh, rated at 134bhp. The body type is SUV, and it is made in China.
The quote form prices the Atto 2 Premium 51.13 kWh, the version most insurers quote.
Listed price
The Atto 2 Premium was S$173,888 as listed on 2026-10-10, COE included. COE results move that figure. Line up what each offer includes before you compare.
The COE rule
For an electric car, motor power sets the COE category. The price page says an Atto 2 needs a Category A COE if its motor is 110kW (147bhp) or less, and Category B if more powerful.
In the October 2026, 2nd round, Category A closed at S$132,004 and Category B at S$131,901. The COE page shows later rounds.
Road tax for a 100kW motor
LTA's formula sets electric car road tax by power. For the Atto 2's 134bhp (100kW) motor, it gives S$1,501.56 a year, before any age surcharge.
Older cars pay more:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page has the formula.
Premiums for the standard profile
The BYD Atto 2 price page prices these details:
- Car: Atto 2 Premium 51.13 kWh, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
4 insurers price it, across six plans. The lowest premium is S$1,390.72 a year. The highest insurer's lowest plan is S$1,592.17, S$201.45 more, or 14% on top. Prices include 9% GST.
That is a tight spread. All six plans sit between S$1,390.72 and S$1,686.75. Several are marked as estimates, and two pairs share the same figures.
Thirteen insurers have no online price for the Atto 2. Some do not quote electric cars online at all. Others have not yet added this newer model. As more insurers list it, the spread on the price page may widen or narrow, so check it again before you renew.
Excess
Five of the six plans carry a S$600 excess. One plan, marked as an estimate, carries S$0. It costs S$1,592.17, which is S$201.45 more than the lowest premium. If you would rather not pay anything towards a claim, that trade is worth weighing.
What moves the lowest price
The page shows the lowest price after one change:
- No NCD (0%): S$2,718.72, which is S$1,328.00 more, with 5 insurers
- 20% NCD: S$2,176.32, S$785.60 more, with 5 insurers
- Driver aged 27, 3 years' driving, 30% NCD: S$2,844.21, S$1,453.49 more, with 2 insurers
- Driver aged 65, 20 years' driving: S$1,519.77, S$129.05 more
- New car, registered this year: S$1,432.55, S$41.83 more, with 5 insurers
- Car 8 years old: S$1,323.74, S$66.98 less
A younger driver costs most, at 105% above the standard driver. Only 2 insurers price that case, so a young driver has little to compare. No NCD lands close behind.
A new car costs a little more and an 8-year-old car a little less. These are lowest prices only. Plans further up may move by different sums, and the plan with no excess may not follow the same pattern. If your profile differs from these cases, ask for a quote on your own details.
Six electric cars for comparison
For the same driver and car age, the price page sets out:
- BMW iX1: S$1,907.27
- Kia EV6: S$1,038.46
- Hyundai Ioniq 5: S$954.21
- Tesla Model Y: S$939.71
- Tesla Model 3: S$913.62
- Aion V: S$856.84
Their average lowest price is S$1,101.69. The Atto 2 costs 26% more than that, and 5 of the 6 are cheaper to insure. Only the BMW iX1 costs more. Several of those cars list for more than the Atto 2, yet cost less to insure on these details. The BYD car insurance page covers other BYD models.
Costs that turn on your habits
- Charging: home or public charging, your tariff and your distance.
- Parking: season parking at home and work, plus everyday stops.
- ERP: depends on where and when you drive.
- Maintenance: tyres, brakes and scheduled servicing. Ask what the battery warranty covers.
- Depreciation: what you pay against what you sell for.
Summary of yearly costs we can show
For the BYD Atto 2 Premium 51.13 kWh:
- Road tax: S$1,501.56 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$1,390.72 a year (as of 1 November 2026)
- Insurance, no NCD: from S$2,718.72
- Insurance, driver aged 27 with 30% NCD: from S$2,844.21
- Insurance, car 8 years old: from S$1,323.74
One-off, for reference: S$173,888 as listed on 2026-10-10. COE in the October 2026, 2nd round was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the BYD Atto 2
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the BYD Atto 2 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.