Few people in Singapore drive a Fiat Siena today. That makes its costs harder to look up. This guide gathers the yearly figures the facts support: road tax, the COE rule and what car insurance costs.
Every insurance price here is an example, as of 1 November 2026. Each is for one stated driver and one car age. Treat them as a way to see how prices sit, not as your own quote.
The version on the price page
There is no Siena on the new-car list today. So this guide gives no list price, power output or body type.
Our price page works from the version insurers quote: the Fiat Siena 1.2, with a 1,242cc engine. All the premiums below are for that car.
If you have a different engine, the road tax and premium can change. Your log card shows the engine size.
Certificate of Entitlement
A car on Singapore roads needs a valid COE. The price page sets out the rule for this engine.
With 1,242cc, the Siena 1.2 needs a Category A COE if its power is 97kW (130bhp) or less. With more power, it needs a Category B COE.
The October 2026 2nd round closed at S$132,004 for Category A and S$131,901 for Category B. These figures move every round, and the COE page shows the latest.
Yearly road tax
Road tax follows engine size under LTA's formula. For a 1,242cc engine it comes to S$532.94 a year, before any surcharge for age.
Cars over 10 years old pay a surcharge on top of that figure:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page runs the sum for other engines.
The insurance picture
The Fiat Siena price page uses one driver and one car:
- The car: Fiat Siena 1.2, registered 3 years ago, private use, comprehensive cover
- The driver: 40 years old, married, in an office job, with 10 years of driving
- The record: 50% NCD and no claims
- Repairs: authorised workshop, no add-ons
Only 3 insurers price it on these details. The lowest premium is S$637.52 a year. The dearest of the three asks at least S$1,145.64, which is S$508.12 more, or 80% on top. All prices include 9% GST.
The other 16 insurers we compare have no online price for this model. With so few prices online, the comparison is short. Some of the prices shown are also marked as estimates. Two of the plans also share one price, so the real choice is narrower than the plan count suggests.
What you pay towards a claim
The lowest premium carries a S$1,200 excess. The other plans on the page carry S$600. So the cheaper premium comes with double the excess. Weigh that if you think you may claim.
What raises or lowers the price
Here is the lowest price when one detail changes, with the rest kept the same:
- No NCD (0%): S$1,466.30, or S$828.78 more
- 20% NCD: S$1,071.04, or S$433.52 more
- A 27-year-old driver with 3 years' driving and 30% NCD: S$1,601.76, or S$964.24 more
- A 65-year-old driver with 20 years' driving and 50% NCD: S$1,145.64, or S$508.12 more, from 2 insurers
- A new car, registered this year: S$678.21, or S$40.69 more
- A car 8 years old: S$623.95, or S$13.57 less
The young driver profile is the costliest change. For that driver, the lowest price is 151% higher. A clean NCD record matters almost as much. Your NCD builds with each claim-free year, and a claim can cut it back.
For the 65-year-old driver, only 2 insurers price the car. That thin field helps explain the jump.
Similar cars for the same driver
The price page lines up six cars with engines near the Siena's. Each is priced for the same driver and car age:
- Mercedes-Benz GLB: S$822.26
- Mercedes-Benz GLA: S$822.26
- Mercedes-Benz A-Class: S$755.55
- Honda Jazz / Fit: S$741.66
- Nissan Qashqai: S$697.28
- Toyota C-HR: S$689.29
The average of those lowest prices is S$754.72. The Siena sits 16% below it. None of the six is cheaper to insure on these details.
The catch is choice. Each of the six has between 10 and 15 insurers pricing it, against 3 for the Siena. More Fiat models are on the Fiat car insurance page.
The costs we cannot put a figure on
These depend on how and where you drive:
- Parking: HDB or condo season parking, plus what you pay at work and elsewhere.
- Petrol: your mileage and pump prices decide it.
- ERP: your routes and timing decide it.
- Upkeep: tyres, brakes and battery wear out over time. For an uncommon model, ask how easy parts are to get.
- Depreciation: what you pay now, against what the car fetches later, and the COE life left.
Summary of yearly costs we can show
For the Fiat Siena 1.2, as of 1 November 2026 unless dated otherwise:
- Road tax: S$532.94 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$637.52 a year
- Insurance, no NCD: from S$1,466.30
- Insurance, 20% NCD: from S$1,071.04
- Insurance, car 8 years old: from S$623.95
COE for reference: S$132,004 for Category A and S$131,901 for Category B in the October 2026 2nd round.
Before you buy: car insurance for the Fiat Siena
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Siena 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.