Looking at a Citroen C4 VTi on the used market, or already running one? This guide answers the money questions that have firm figures behind them. How much is road tax? Which COE does it need? And what do insurers ask?
The insurance prices are examples for one stated driver, as of 1 November 2026. They show how insurers compare. Your own premium depends on your details.
Is it still sold new?
No. The new-car list has no entry for the C4 VTi on sale now. So this guide gives no list price, power figure or body type.
Our price page prices the Citroen C4 VTi 120, with a 1,598cc engine. That is the version most of our insurers quote.
Which COE does it need?
That depends on power, and the price page gives the rule. The C4 VTi 120 needs a Category A COE if its power is 97kW (130bhp) or less. If its power is higher, it needs Category B.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. For a car already on the road, ask how many years remain on its COE. That number decides how long you can keep it. The COE page shows recent rounds.
How much is road tax?
LTA's formula, checked 2026-10-19, gives S$741.72 a year for the 1,598cc engine. That is before any age surcharge.
The surcharge rises with age:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page can work out other engine sizes.
What do insurers charge?
The Citroen C4 VTi price page prices one profile:
- Car: C4 VTi 120, registered 3 years ago, private use, comprehensive
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
10 insurers give a price. The lowest is S$854.10 a year. The insurer whose lowest plan costs most asks at least S$1,615.12. The gap is S$761.02, or 89% on top. All prices include 9% GST.
So the dearest insurer asks close to twice the lowest for the same driver and car. Ten insurers is a good number for an older model, which gives you room to compare terms as well as price.
How big is the excess?
It depends on the plan. On this page the excess runs from S$0 to S$3,000.
- The lowest premium has a S$1,200 excess.
- The second-lowest, close behind on price, has S$2,500.
- Most plans in the middle carry S$500 or S$600.
- One estimated plan has S$0.
- The dearest carries S$3,000.
The excess is the part of each claim you pay. Weigh it against the premium, and think about how often you have claimed in the past. Some prices are estimates, so a firm quote may differ.
What else sets plans apart? Workshop rules, windscreen cover, flood cover and a replacement car during repairs. Two plans at a similar price can treat each of these quite differently, so read the terms side by side.
What pushes the price up or down?
The price page shows the lowest price after one change:
- No NCD (0%): S$1,663.08, S$808.98 more
- 20% NCD: S$1,336.54, S$482.44 more
- A driver aged 27 with 3 years' driving and 30% NCD: S$1,821.00, S$966.90 more, from 8 insurers
- A driver aged 65 with 20 years' driving: S$1,056.69, S$202.59 more, from 9 insurers
- A car registered this year: S$845.65, S$8.45 less
- A car 8 years old: S$835.92, S$18.18 less
The younger driver's price is 113% above the standard figure, the largest jump. Having no NCD comes close. An older driver pays a moderate amount more.
Car age barely moves the lowest price. These are lowest prices, and plans further up the list can behave differently.
Does a claim cost more than the excess?
Often, yes. A claim can lower your NCD at renewal. On this page, dropping from 50% to 20% NCD adds S$482.44 to the lowest price. That cost comes on top of the excess you paid on the claim itself.
How does it compare with 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
Their average lowest price is S$733.36. The C4 VTi is 16% above that, and all 6 cost less to insure. The Citroen car insurance page covers the brand's other models.
What else is there to pay?
These costs depend on how you live and drive:
- Parking: season parking at your HDB block or condo, plus work and town.
- Petrol: mileage and pump prices decide it.
- ERP: depends on your routes and the time of day.
- Servicing: follow the maker's schedule, and ask about parts supply for the brand.
- Depreciation: tied to what you pay and the COE years left.
Summary of yearly costs we can show
For the Citroen C4 VTi 120, 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$854.10 a year (as of 1 November 2026)
- Insurance, 20% NCD: from S$1,336.54
- Insurance, no NCD: from S$1,663.08
For reference, Category A closed at S$132,004 and Category B at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Citroen C4 VTi
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Citroen C4 VTi 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.