The Daihatsu Terios came with a 1.3 or a 1.5 engine, and our quote form lists five versions. None is on the new-car list now. If you are looking at a used Terios, this page sets out what it costs each year, starting with the version most insurers quote.
The insurance prices are examples for one stated driver, read on 20 October 2026. They are not a quote. Your own premium depends on your details.
Five versions on the form
The new-car list has no entry for this model on sale now, so there is no list price, power or body type here.
Our quote form lists:
- Terios 1.3: 1,298cc
- Terios 1.5: 1,495cc
- Terios 1.5 2WD Big Wheels: 1,495cc
- Terios 1.5 2WD High Grade: 1,495cc
- Terios 1.5 4WD Big Wheels: 1,495cc
The figures below are for the Terios 1.3, the version most of our insurers quote. The four 1.5 versions share a larger engine, so they pay more road tax. A separate page covers the Terios 7-seater.
Road tax
For the 1,298cc engine, LTA's formula gives S$565.78 a year. That was checked on 2026-10-19 and is 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%
For the 1.5 versions, use the road tax page.
The COE
With a 1,298cc engine, the Terios 1.3 needs a Category A COE if its power is 97kW (130bhp) or less. It needs a Category B COE if its power is more.
In the October 2026 1st round, Category A closed at S$130,001 and Category B at S$130,100. These change every round; the COE page has the latest.
On a used Terios, the COE expiry date sets how many years of use you are paying for.
Car insurance
The standard driver
The Daihatsu Terios price page prices:
- Car: Terios 1.3, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 to 19 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
What 11 insurers ask
11 insurers price the Terios for that driver. The lowest premium is S$586.41 a year. The insurer whose lowest plan is dearest asks at least S$1,228.29. That is S$641.88 more, or 109% on top. All prices include 9% GST.
Five insurers on our panel have no online price for this model.
The excess
Most plans set a S$600 excess. Three set S$500 and three S$800. Two set S$2,500 and one S$3,000. One plan has no excess.
For an older car, a high excess can swallow most of a repair bill. Weigh it with the premium.
How the price moves
The price page shows the lowest price when one thing changes:
- No NCD (0%): S$953.92, S$367.51 more
- 20% NCD: S$953.92, S$367.51 more
- Driver aged 27, 3 years' driving, 30% NCD: S$953.92, S$367.51 more
- Driver aged 65, 20 or more years' driving: S$586.41, the same
- A new car, registered this year: S$604.07, S$17.66 more
- A car 8 years old: S$545.00, S$41.41 less
Without NCD, the lowest price is 63% higher. A 20% NCD and a younger driver reach the same figure.
Driver age at the older end makes no difference. An 8-year-old Terios is a little cheaper to insure, and most on sale will be older than that.
These are lowest prices. Other plans may change by different amounts.
The NCD figures also show the longer cost of a claim. A claim can cut the discount, and the higher premium lasts until it is rebuilt.
Quote terms to compare
Along with the premium, check:
- Workshop: these prices assume an authorised workshop. Plans that allow any workshop may cost more or less.
- Named drivers: an extra, younger driver can raise the price.
- NCD protection: an optional extra on some plans.
- Excess: your share of each claim.
Against similar cars
For the same driver and car age, the price page lists six similar cars:
- Mercedes-Benz GLB: S$787.96
- Honda Jazz / Fit: S$622.34
- Toyota Yaris Cross: S$604.07
- Toyota C-HR: S$552.91
- Mercedes-Benz A-Class: S$787.96
- Mercedes-Benz GLA: S$787.96
Their average is S$690.53. The Terios is 15% below that. Only one of them, the Toyota C-HR, is cheaper to insure.
Other Daihatsu models are on the Daihatsu car insurance page. The cheapest cars to insure page ranks models across makes.
Checks before you buy
For a used Terios, confirm:
- Version: the 1.3 or a 1.5, since that sets the road tax.
- COE expiry: how many years of use remain.
- Road tax: when it falls due, and whether the surcharge applies.
- Your own quote: for this version and your details.
Costs that depend on you
These have no single figure:
- Parking: HDB or condo season parking, plus elsewhere.
- Petrol: your distance and the pump price.
- ERP: your routes and hours.
- Parts and servicing: for an older car, ask how parts are sourced and who services it. Tyres, brakes and a battery come due.
- Depreciation: for a used car, mostly the COE years left.
The yearly figures
For the Daihatsu Terios 1.3 (1,298cc), dated as shown:
- Road tax: S$565.78 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$586.41 a year (20 October 2026)
- Insurance, no NCD: from S$953.92
- Insurance, a car 8 years old: from S$545.00
A fresh COE in the October 2026 1st round was S$130,001 (Category A) or S$130,100 (Category B).
Before you buy: car insurance for the Daihatsu Terios
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Daihatsu Terios 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.