The Fiat Punto is a small hatchback that is no longer on the new-car list. If you own one, or you are looking at one on the used market, this page sets out the costs we can put a figure to.
The insurance figures are examples for one stated driver, read on 20 October 2026. Your own premium depends on your answers, so use them to see how the costs fit together rather than as a quote.
Which Punto we priced
Our quote form lists three engine sizes for the Punto:
- Punto 1.2: 1,242cc
- Punto 1.3: 1,251cc
- Punto 1.4: 1,368cc
The insurance and road tax figures here are for the 1.2, the version most of our insurers quote. There is no current new-car list entry, so this page gives no list price, power or body details beyond what the form shows.
COE
A used Punto already carries its COE, but the category still matters if you ever renew it or compare against a new car. For the 1.2, with its 1,242cc engine, the category depends on power:
- Category A: if its power is 97kW (130bhp) or less. It closed at S$130,001 in the October 2026, 1st round.
- Category B: if its power is more. It closed at S$130,100 in the same round.
Premiums move every bidding round. The COE page has the latest results.
Road tax
LTA sets road tax by engine size. For the 1.2's 1,242cc engine, the formula gives S$532.94 a year, before any age surcharge. This was checked on 2026-10-19.
Because any Punto on the road today is getting on, the surcharge is worth knowing. It applies 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%
The 1.3 and 1.4 have larger engines, so their road tax is different. The road tax page covers other engine sizes.
Insuring a Punto: the example driver
The Fiat Punto price page prices one set of details:
- Car: Punto 1.2, 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
On those details, 12 insurers give a price. The lowest is S$622.34 a year. The insurer whose lowest plan is dearest asks at least S$1,977.83. That is S$1,355.49 more, or 218% on top. Every price includes 9% GST.
Some prices on the page are marked as estimates. Each one also shows the date its insurer's table was read, so a few figures are older than others.
What you pay on a claim
The excess is the share of each claim you cover yourself. On this page most plans set it at S$600. A few sit at S$500 or S$800. The plans at the top of the price range carry S$2,500 or S$3,000. So a high premium does not always buy a low excess. Read both columns together.
What moves the price
The price page shows the lowest premium when one detail changes and the rest stay put:
- No NCD (0%): S$941.37, which is S$319.03 more, or 51% up
- 20% NCD: S$941.37, the same rise
- Driver aged 27, 3 years' driving, 30% NCD: S$941.37, again S$319.03 more
- Driver aged 65, 20 or more years' driving: S$622.34, no change
- A new car, registered this year: S$642.42, S$20.08 more
- A car 8 years old: S$569.36, S$52.98 less
The NCD is the biggest lever here. Dropping from 50% to 20% or to nothing gives the same lowest price on this page. A younger, less experienced driver lands on that figure too. An older car is cheaper to insure at the lowest price. Dearer plans may react differently, so check the full list for your own details.
How it compares with similar cars
For the same driver and car age, the price page sets six similar cars beside the Punto:
- Mercedes-Benz GLB: S$787.96
- Honda Jazz / Fit: S$622.34
- Toyota C-HR: S$552.91
- Mercedes-Benz A-Class: S$787.96
- Mercedes-Benz GLA: S$787.96
- Nissan Qashqai: S$590.12
Their average lowest price is S$688.21. The Punto comes in 10% below that. Two of the six, the C-HR and the Qashqai, cost less to insure. The Jazz matches it. The Fiat car insurance page has the make's other models, and the cheapest cars to insure page ranks models across makes.
Four insurers show no online price for the Punto. Their reasons are on the price page.
The costs we cannot put a number on
Several costs depend on how and where you use the car:
- Parking: season parking at your HDB block or condo, plus the car parks at work and in town. Check your block's rate.
- Petrol: set by your mileage and pump prices.
- ERP: depends on the gantries on your routes and when you pass them.
- Servicing and repairs: an older car tends to need parts such as tyres, brakes and a battery over time. Ask for a written estimate before you commit to a used one.
- Depreciation: on a used car this rests on what you pay and how many years of COE remain.
Summary of yearly costs we can show
For the Fiat Punto 1.2:
- Road tax: S$532.94 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, example driver: from S$622.34 a year (20 October 2026)
- Insurance, no NCD: from S$941.37
- Insurance, a car 8 years old: from S$569.36
For reference, the October 2026 1st round COE closed at S$130,001 for Category A and S$130,100 for Category B.
Before you buy: car insurance for the Fiat Punto
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Punto 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.