The Chery QQ3 is one of the smallest cars you can still insure in Singapore. Its tiny engine keeps road tax low. Insurance is another matter, as the figures below show. This guide is for owners and anyone looking at a used one.
Insurance prices here are examples for one stated driver, as of 1 November 2026. They are a way to compare insurers, not a quote for you.
Two engines on the quote form
The QQ3 has no entry on the new-car list on sale now. This guide therefore gives no list price, power figure or body type.
Our quote form carries two versions:
- QQ3 0.8: 812cc
- QQ3 1.1: 1,083cc
The insurance figures are for the QQ3 0.8, which most of our insurers quote. Road tax is given for that engine too.
If you own the 1.1, the insurance prices may differ from those below. The quote form lets you pick that version and see its own prices. The COE rule and road tax also follow its larger engine.
COE category
The price page says the QQ3 0.8, with its 812cc engine, needs a Category A COE if its power is 97kW (130bhp) or less. If it is more powerful, it needs a Category B COE.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. For a car this old, what counts is the COE it already carries and how long is left. The COE page has the latest results.
Road tax stays low
LTA's formula, checked 2026-10-19, gives S$354.24 a year for the 812cc engine. That is the base figure before any age surcharge. The 1.1 has a bigger engine and pays more.
Age adds to it once a car passes 10 years:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Even with the top surcharge, road tax on the 0.8 stays modest next to most cars. The road tax page works out the figure for other engines.
Insurance for the page's driver
The Chery QQ3 price page prices one profile:
- Car: QQ3 0.8, 3 years old, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
4 insurers give a price. The lowest is S$750.03 a year. The insurer whose lowest plan costs most asks at least S$1,528.59. That is S$778.56 more, or 104% on top. All prices include 9% GST.
Four prices is a thin field. Many panel insurers have no online price for a car this rare. So a phone call or an email may be the only way to widen the choice.
The excess spread
The four plans carry quite different excesses:
- The lowest premium has a S$1,200 excess.
- The next has S$600.
- One estimate has S$0.
- The dearest has S$3,000.
The excess is what you pay towards each claim. So the dearest plan here also asks the most of you after an accident.
When you set two plans side by side, add the excess to the premium and ask how often you expect to claim. Check too whether the excess changes for young or new drivers, and whether windscreen claims carry their own excess. These details sit in each plan's terms.
How the price changes with the driver and car
The page shows the lowest price when one detail changes:
- No NCD: S$1,725.07, up S$975.04
- 20% NCD: S$1,260.05, up S$510.02
- Aged 27, 3 years' driving, 30% NCD: S$1,884.42, up S$1,134.39, with 3 insurers pricing
- Aged 65, 20 years' driving: S$1,528.59, up S$778.56, from 1 insurer
- Registered this year: S$797.89, up S$47.86
- 8 years old: S$734.06, down S$15.97
The younger driver's figure is 151% above the standard one. For a 65-year-old, only one insurer prices the car at all. That single price is more than double the standard figure.
Every figure is a lowest price. Others on the list may move differently.
Other small cars
The price page lists three similar small cars for the same driver:
- Chevrolet Matiz: S$599.77, from 1 insurer
- Chevrolet Spark: S$599.77, from 11 insurers
- Daewoo Matiz: S$525.02, from 1 insurer
They average S$574.85 at their lowest. The QQ3 costs 30% more than that, and all 3 cost less to insure. So a small engine does not always mean the smallest premium. The Chery car insurance page covers the brand's other models.
What you will need to estimate
These depend on your own use of the car:
- Parking: season parking at home, plus work and weekend parking.
- Petrol: mileage and pump prices decide this.
- ERP: depends on where and when you drive.
- Upkeep: servicing, tyres, brakes and battery. With a rare older model, ask how easy parts are to find.
- Depreciation: tied to what you pay and the COE years left.
Summary of yearly costs we can show
For the Chery QQ3 0.8, 812cc:
- Road tax: S$354.24 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$750.03 a year (as of 1 November 2026)
- Insurance, no NCD: from S$1,725.07
- Insurance, car 8 years old: from S$734.06
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 QQ3
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Chery QQ3 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.