The Chevrolet Cruze5 SPRTback is a hatchback you will mostly find on the used market in Singapore now. If you own one or are weighing one up, this guide covers the yearly costs that can be measured. Those are road tax and car insurance, with the COE rule alongside.
The insurance figures are examples for one stated driver, as of 1 November 2026. They let you compare insurers. They are not a quote for your own car.
The version we price
The new-car list has no entry for the Cruze5 SPRTback on sale now. For that reason there is no list price, power figure or body type here.
The price page uses the Chevrolet Cruze5 SPRTback 1.6 (A), with a 1,598cc engine. It is the version most of our insurers quote.
Where it sits for COE
The price page says the Cruze5 SPRTback 1.6 (A) needs a Category A COE if its power is 97kW (130bhp) or less. With more power, it needs a Category B COE. The page does not state the car's power, so check the registration papers to see which applies.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. If you are buying used, the COE years left on the car count for more than either figure. The COE page lists the latest rounds.
Road tax for the 1,598cc engine
LTA's formula, checked 2026-10-19, gives S$741.72 a year before any age surcharge.
The surcharge applies once a car is more than 10 years old:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
So an older Cruze5 can pay noticeably more than the base sum. The road tax page works out other engines.
Insurance for the reference driver
The Chevrolet Cruze5 SPRTback price page uses one profile:
- Car: Cruze5 SPRTback 1.6 (A), registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% no-claim discount, no claims
- Repairs: authorised workshop, no options
5 insurers price this car. The lowest premium is S$692.43 a year. The insurer whose lowest plan costs most asks at least S$2,062.16. The gap is S$1,369.73, or 198% on top. All prices include 9% GST.
That is close to three times the lowest figure for the same car and driver. Few cars show a spread this wide. The lowest price stands well apart from the rest, so it is worth reading its terms closely.
The excess on each plan
Here is how the excess lines up against the premiums on the page:
- S$1,200 on the lowest premium
- S$600 on the second
- S$500 on two plans from one insurer
- S$0 on one estimate
- S$3,000 on the dearest plan
The excess is your share of each claim. A plan with no excess saves you that sum if you claim, but its premium is higher. Set that trade-off against how often you expect to claim.
Which changes cost most
The price page shows the lowest price after one change to the driver or car:
- No NCD (0%): S$1,592.60, which is S$900.17 more
- 20% NCD: S$1,163.29, S$470.86 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,739.72, S$1,047.29 more
- Driver aged 65, 20 years' driving: S$1,139.32, S$446.89 more, from 3 insurers
- Car registered this year: S$736.62, S$44.19 more
- Car 8 years old: S$677.70, S$14.73 less
The younger driver faces the sharpest rise, at 151% above the standard figure. A driver with no NCD pays more than double too. An older driver also pays clearly more here, and only 3 insurers price that case.
Car age matters little: the gap between new and 8 years old is small. All figures are lowest prices, and others on the list can move by different amounts.
Set against similar cars
For the same driver and car age, the price page lists six similar cars:
- 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 Cruze5 SPRTback is 6% below that average. Only one of the six, the Toyota Sienta, costs less to insure. That is a good standing, though the Cruze5 has fewer insurers to choose from. Other Chevrolet models are on the Chevrolet car insurance page.
Costs this guide cannot size
These depend on how you use the car:
- Parking: season parking at home and charges at work or in town.
- Petrol: mileage and pump prices decide it.
- ERP: set by your routes and the time you travel.
- Servicing: tyres, brakes, the battery and routine checks. For a brand with a small presence here, ask about parts supply.
- Depreciation: what the car loses in value depends on what you pay and the COE years left.
Summary of yearly costs we can show
For the Chevrolet Cruze5 SPRTback 1.6 (A), 1,598cc:
- Road tax: S$741.72 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$692.43 a year (as of 1 November 2026)
- Insurance, no NCD: from S$1,592.60
- Insurance, driver aged 65: from S$1,139.32
For reference, the October 2026 2nd round COE was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the Chevrolet Cruze5 SPRTback
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Chevrolet Cruze5 SPRTback 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.