The Fiat Croma is a family car that has long left the showrooms. A few remain on Singapore roads. If one is yours, or you are weighing up a used one, the yearly costs are the ones that count.
This page covers the COE rule, road tax and car insurance. The insurance prices are examples for one stated driver, as of 1 November 2026, and the spread between them is unusually wide.
The Croma on our form
The new-car list has no Croma on sale now. So there is no list price, power figure or body type to quote.
The price page prices the Croma 2.2, with a 2,198cc engine. It is the version most of our insurers quote.
COE: Category B
According to the price page, the Croma 2.2, with a 2,198cc engine above 1,600cc, needs a Category B COE. Category B closed at S$131,901 in the October 2026, 2nd round.
For a car this old, the COE that matters is the one it already has. Its remaining years, and whether you would renew, shape the car's value. The COE page has the latest results.
Road tax for 2,198cc
A 2,198cc engine pays S$1,444.36 a year on LTA's formula, checked on 2026-10-19, before any age surcharge.
Most Cromas on the road will be old enough for a surcharge:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
So the yearly bill can climb well above the base figure. The road tax page works out other engine sizes.
Insurance prices that range very widely
The Fiat Croma price page prices this case:
- Car: Croma 2.2, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
7 insurers price it. The lowest premium is S$920.10 a year. The insurer whose lowest plan costs most asks at least S$4,179.34. That gap is S$3,259.24, or 354% on top. All prices include 9% GST.
That is a huge spread for one car and one driver. The top plan on the page reaches S$6,094.24. Few cases show more clearly why comparing prices pays off.
Three insurers have no online price. One does not offer the cover online. One prices only one standard driver, so it shows no price for your details here. One does not list the model.
Excess, low to high premium
The excess is your share of a claim:
- S$920.10: S$1,200 excess
- S$1,070.95: S$600 excess
- S$1,181.60: S$2,500 excess
- Plans from S$1,363.18 to S$1,943.25: S$600 excess
- Three plans from S$4,179.34 to S$6,094.24: S$300 excess
The three dearest plans have the lowest excess. But the step in premium is far bigger than the saving on any single claim. Several prices are estimates.
What changes the lowest price
The price page shows the lowest price when one detail changes:
- Driver aged 27, 3 years' driving, 30% NCD: S$2,285.15, S$1,365.05 more, from 6 insurers
- No NCD (0%): S$2,116.24, S$1,196.14 more
- 20% NCD: S$1,545.77, S$625.67 more
- Driver aged 65, 20 years' driving: S$1,388.94, S$468.84 more, from 5 insurers
- A new car, registered this year: S$978.81, S$58.71 more
- A car 8 years old: S$900.51, S$19.59 less
A young driver pushes the lowest price up 148%, the largest change. For both the young and the older driver, a different insurer has the lowest price. The 8-year-old car line, the closest to a real Croma's age, is slightly below the example.
The NCD lines show what a clean record is worth on this car. Dropping from 50% to 20% adds S$625.67 to the lowest price. With no NCD at all, the lowest price more than doubles. A claim can cost you more over the next few years, through a lost discount, than the repair itself.
These are lowest prices only. The dearer plans may move by quite different amounts.
Against similar cars
The price page compares 6 cars of similar engine size, for the same driver and car age:
- Toyota Camry: S$872.39
- Mercedes-Benz E-Class: S$857.06
- Toyota Alphard: S$832.53
- BMW 5 Series: S$792.38
- Toyota Harrier: S$763.00
- Toyota Vellfire: S$763.00
They average S$813.39. The Croma costs 13% more, and all 6 are cheaper to insure on these details. Each of them draws 14 to 16 insurers, against 7 for the Croma.
The cheapest cars to insure page lists more. Other Fiat models are on the Fiat car insurance page.
Costs only you can judge
- Petrol: a 2.2 litre engine and your distance set the bill, along with pump prices.
- Parking: season parking at home, plus work and errands.
- ERP: depends on your routes.
- Parts and repairs: on a model long out of production, parts may take time to source. Ask before you commit.
- End of COE: renewing or deregistering is a big cost decision on an older car.
Summary of yearly costs we can show
Fiat Croma 2.2:
- Road tax: S$1,444.36 a year before age surcharge (checked 2026-10-19)
- Insurance, example driver: from S$920.10 a year (as of 1 November 2026)
- Insurance, a car 8 years old: from S$900.51
- Insurance, driver aged 65: from S$1,388.94
- Insurance, driver aged 27: from S$2,285.15
COE for reference: Category B closed at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the Fiat Croma
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Croma 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.