You are most likely to meet the Ford Kuga as a used car, since it has no entry on the new-car list now. This page sets out the yearly costs we can show for it in Singapore: car insurance, road tax and, for context, the COE.
The insurance figures are examples for one stated driver on 20 October 2026. Read them as a way to compare, not as a quote. Your own premium depends on your answers.
Two engines on the form
Our quote form lists two Kuga versions:
- Kuga 1.5 Titanium: 1,498cc
- Kuga 2.5 Turbo: 2,521cc
The price page uses the 1.5 Titanium, the version most of our insurers quote. All figures below are for it. As there is no new-car list entry, we give no list price, power figure or body type.
Insurance, the biggest variable
The details behind the prices
The Ford Kuga price page prices this case:
- Car: Kuga 1.5 Titanium, 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
The spread of premiums
14 insurers price the Kuga on those details. The lowest premium is S$811.71 a year. The insurer whose lowest plan is dearest asks at least S$1,825.64. That is S$1,013.93 more, or 125% on top. All prices include 9% GST.
So the same driver could pay more than twice as much for a Kuga depending on the insurer. Only two insurers on our panel show no online price for it.
Excess
The excess is your share of any claim. Most plans here set S$600. Others set S$500, S$750 or S$800. Some set S$2,500 or S$3,000, including one of the lower-priced plans. One plan sets S$0. Put the excess next to the premium when you compare.
Some prices are estimates, and one includes a promo code. Each price shows the date its insurer's table was read.
When one detail changes
Here is the lowest premium with one change made:
- No NCD (0%): S$1,117.23, S$305.52 more, a 38% rise
- 20% NCD: S$1,117.23, the same
- Driver aged 27, 3 years' driving, 30% NCD: S$1,117.23, S$305.52 more
- Driver aged 65, 20 or more years' driving: S$811.71, no change
- A new car, registered this year: S$836.07, S$24.36 more
- A car 8 years old: S$742.90, S$68.81 less
The NCD makes the biggest difference. Without it, the lowest price is S$305.52 higher. A 20% NCD or a younger driver gives the same figure. The car's age moves the price less, and an older Kuga is cheaper at the lowest price. These are lowest prices only. Other plans may change by more or less.
Against similar cars
The price page lines up six similar cars for the same driver and car age:
- Toyota Corolla Altis: S$642.42
- Mazda 3: S$927.36
- Toyota Sienta: S$604.07
- BMW X1: S$811.71
- Mercedes-Benz GLB: S$787.96
- Honda Freed: S$642.42
Their average lowest price is S$735.99. The Kuga is 10% above it. Four of the six are cheaper to insure: the Corolla Altis, the Sienta, the GLB and the Freed. The BMW X1 matches the Kuga, and only the Mazda 3 costs more. The Ford car insurance page covers other Fords. The cheapest cars to insure page ranks models across makes.
Road tax
LTA's formula sets road tax by engine size. For the 1.5 Titanium's 1,498cc engine, it is S$683.08 a year, before any age surcharge. This was checked on 2026-10-19.
A surcharge is added once the 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 2.5 Turbo has a much bigger engine, so its road tax is higher. If you are choosing between the two, the road tax page shows the figure for each engine size.
COE
The Kuga 1.5 Titanium has a 1,498cc engine, so its category depends on power:
- Category A if its power is 97kW (130bhp) or less: S$130,001 in the October 2026, 1st round
- Category B if its power is more: S$130,100 in that round
A Kuga on the road already holds its COE. The category becomes relevant again if you renew at the end of the term. Results change every round; the COE page has the latest.
Costs that depend on your use
These vary too much to price:
- Parking: season parking at your HDB block or condo, plus parking at work, malls and on the street.
- Petrol: how far you drive and the pump price.
- ERP: your routes and the times you pass the gantries.
- Servicing and repairs: tyres, brakes, a battery and other wear parts over the years. Ask for the service history before you buy.
- Depreciation: the price you pay against the COE years left.
Summary of yearly costs we can show
For the Ford Kuga 1.5 Titanium:
- Road tax: S$683.08 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, example driver: from S$811.71 a year (20 October 2026)
- Insurance, no NCD: from S$1,117.23
- Insurance, a car 8 years old: from S$742.90
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 Ford Kuga
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Ford Kuga 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.