The Ford Kuga Titanium in our records is the 2.5 Turbo, a large-engined version. That engine size shapes two of its biggest yearly bills: road tax and the COE category. This page goes through each cost we can put a number on.
Insurance prices here are examples, read on 20 October 2026, for one stated driver. They show how prices compare and move. They are not what you will be quoted.
The version on our quote form
The Kuga Titanium has no entry on the current new-car list, so there is no list price to give. Any you buy now will be a used car.
Our insurers quote it as the Kuga Titanium 2.5 Turbo, with a 2,521cc engine. That is the version every figure below refers to.
COE: Category B
Engine size alone settles this one. With a 2,521cc engine, above 1,600cc, the Kuga Titanium 2.5 Turbo needs a Category B COE.
In the October 2026 1st round, Category B closed at S$130,100. On a used car, the COE it already carries sets how long it can stay registered before renewal or scrapping. The COE page has each round's results.
Road tax on a 2,521cc engine
Road tax climbs steeply with engine size, and this is where the 2.5 Turbo shows it. LTA's formula gives S$1,823.24 a year for a 2,521cc engine, before any age surcharge.
Older cars pay more on top of that:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Road tax is paid to LTA, not to the insurer, so it stays the same whichever policy you choose. Because the base figure is already high, each step of the surcharge adds a larger sum than it would on a small car. Check the registration date before you commit. You can compare engine sizes on the road tax page.
Insurance on the price page
The Ford Kuga Titanium price page prices one car and one driver:
- Car: Kuga Titanium 2.5 Turbo, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, works in an office, driving for 10 to 19 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
For those details, 11 insurers give a price. The lowest is S$861.03 a year. At the other end, the insurer whose lowest plan is dearest asks at least S$1,673.14. The gap is S$812.11, or 94% more. All prices include 9% GST.
Several insurers list two or three plans, and some prices are flagged as estimates. Five insurers have no online price for this model.
Excess levels
Each plan comes with an excess, which you pay towards any claim. Most plans on this page use S$600. A few use S$500 or S$800, and one has none.
That figure matters as much as the premium if you ever claim. A cheaper plan with a larger excess may leave you paying more after an accident.
When one detail changes
The page re-prices the car with one change at a time. Here is the lowest premium in each case:
- No NCD (0%): S$1,178.16, up S$317.13
- 20% NCD: S$1,178.16, up S$317.13
- Driver aged 27, 3 years' driving, 30% NCD: S$1,178.16, up S$317.13
- Driver aged 65, 20 or more years' driving: S$861.03, no change
- New car, registered this year: S$886.61, up S$25.58
- Car 8 years old: S$787.96, down S$73.07
Your NCD carries the most weight. Without it, the lowest premium rises 37%. A 20% NCD and the younger driver profile both land on that same raised figure.
An older car brings the lowest price down a little. These figures track the lowest-priced plan only. Dearer plans can rise or fall by other amounts. If you hold a high NCD, ask each insurer what happens to it after a claim, and whether an NCD protector is on offer.
Set against similar cars
The price page lines the Kuga Titanium up against six cars of similar engine size, for the same driver and car age:
- Audi RS 3 Sedan: S$1,310.08
- Mitsubishi Outlander: S$861.03
- Toyota Camry: S$841.31
- Honda Odyssey: S$811.71
- Toyota Alphard: S$764.82
- Toyota Vellfire: S$764.82
Their average lowest price is S$892.30. The Kuga Titanium comes in 4% below that, though four of the six are cheaper to insure. The Outlander matches it exactly, and the Audi is well above the rest. For more Fords, see the Ford car insurance page. The cheapest cars to insure page ranks models across makes.
Owner-dependent costs
These costs depend on your own use, so there is no single figure to give.
- Parking: HDB or condo season parking, plus what you pay at work and in town.
- Petrol: a function of your mileage and pump prices.
- ERP: depends on which gantries you pass and when.
- Servicing: routine servicing plus tyres, brakes and a battery over time. Ask for the service history on a used car.
- Depreciation: tied to what you pay and how many years of COE remain.
Yearly figures at a glance
For the Kuga Titanium 2.5 Turbo:
- Road tax: S$1,823.24 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$861.03 (20 October 2026)
- Insurance, no NCD: from S$1,178.16
- Insurance, 8-year-old car: from S$787.96
- COE: Category B, S$130,100 in the October 2026 1st round
Before you buy: car insurance for the Ford Kuga Titanium
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Ford Kuga Titanium 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.