Thinking about a used Chery J3 SASE, or already driving one? The purchase is only part of the bill. Each year brings road tax and an insurance premium, and the COE sets how long the car can stay on the road. This guide puts figures on what it can.
All insurance figures are examples for one stated driver, as of 1 November 2026. They help you compare. They are not what you will be charged. Your age, driving record, NCD and the car itself all change the price, as later sections show.
Pricing a car that is no longer sold new
The J3 SASE has no entry on the new-car list on sale now. As a result there is no list price, power figure or body type here.
The price page uses the Chery J3 SASE 1.6 (M), which has a 1,597cc engine. It is the version most of our insurers quote.
The COE: Category A or B
According to the price page's COE section, the J3 SASE 1.6 (M) needs a Category A COE if its power is 97kW (130bhp) or less. Above that, it needs Category B. The category turns on engine size and power, and the page states only this rule. It does not say which side of the power line the car falls on, so check the car's registration papers.
Category A closed at S$132,004 in the October 2026 2nd round, and Category B at S$131,901. For a car already on the road, the remaining COE life is the number to check. The COE page shows the latest rounds.
Yearly road tax
LTA's formula, checked 2026-10-19, puts the 1,597cc engine at S$741.14 a year. That figure is before any age surcharge.
The surcharge bands are:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Check the first registration date to see if a surcharge applies to the car you are looking at. The road tax page has a calculator for other engines.
The insurance picture for a standard driver
The Chery J3 SASE price page prices these details:
- Car: J3 SASE 1.6 (M), registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% no-claim discount, no claims
- Repairs: authorised workshop, no options
On that profile, 10 insurers give a price. The lowest is S$774.43 a year. The insurer with the dearest lowest plan asks at least S$2,062.16. That is S$1,287.73 above the lowest, or 166% on top. All include 9% GST.
Ten insurers is a decent field for an older model. The gap between top and bottom is very wide, though. It shows how much the same driver can pay depending on the insurer.
Several prices in the lower half sit fairly close together. That makes the plan details more important than the small price gaps between them.
Excess on each plan
The excess you would pay on a claim runs from S$0 to S$3,000 on this page. The lowest premium has a S$600 excess, which is common across the page. One plan has S$2,500, another S$1,200. The plan at the top of the price range carries S$3,000. Some prices are marked as estimates.
A low premium with a high excess can suit someone who rarely claims. It can hurt someone who has a minor knock each year. Look at your own record when you weigh the two.
Changes that move the premium
Here is the lowest price when one detail changes, from the price page:
- No NCD (0%): S$1,513.94, S$739.51 more
- 20% NCD: S$1,211.89, S$437.46 more
- Younger driver (27, 3 years' driving, 30% NCD): S$1,583.82, S$809.39 more
- Older driver (65, 20 years' driving): S$846.30, S$71.87 more, from 9 insurers
- Brand-new car: S$791.84, S$17.41 more
- Car 8 years old: S$737.13, S$37.30 less
The younger driver pays 105% above the standard figure, the biggest jump. Dropping to no NCD costs nearly as much. An 8-year-old car is the one case where the lowest price falls.
These figures are lowest prices. The rest of the list can move by different amounts.
How it stacks up against similar cars
The price page compares six similar cars at the same driver and car age:
- Toyota Corolla Altis: S$713.21
- Mazda 3: S$730.18
- Toyota Sienta: S$674.30
- BMW X1: S$763.00
- Honda Freed: S$756.48
- Hyundai Kona: S$763.00
They average S$733.36 at their lowest. The J3 SASE is 6% above that average. All 6 are cheaper to insure, though most by a modest sum. The Chery car insurance page lists the brand's other models.
Owner-dependent costs
Some running costs swing too widely for a figure to help:
- Parking: HDB or condo season parking, plus office and weekend parking.
- Petrol: your mileage and fuel prices decide this.
- ERP: depends on routes and timing.
- Maintenance: servicing, tyres, brakes and the battery. For a less common model, ask about parts lead times.
- Depreciation: tied to the price you pay and the COE years left.
Summary of yearly costs we can show
For the Chery J3 SASE 1.6 (M), 1,597cc:
- Road tax: S$741.14 a year before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$774.43 a year (as of 1 November 2026)
- Insurance, younger driver with 30% NCD: from S$1,583.82
- Insurance, car 8 years old: from S$737.13
For reference, the October 2026 2nd round COE closed at S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the Chery J3 SASE
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Chery J3 SASE 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.