A Ford S-Max on Singapore roads today is a used car, since it has no entry on the current new-car list. If you own one or are thinking of buying one, the yearly running costs are what you can plan around. Here they are, one item at a time.
Insurance figures on this page are examples for one stated driver, read on 20 October 2026. They are a guide to the spread and to what moves it. Your own price will depend on your details.
Versions our insurers quote
Our quote form lists two versions of the S-Max:
- S-Max 2.0: 1,999cc
- S-Max 2.3: 2,261cc
The figures below are for the 2.0, the version most of our insurers quote. The 2.3 has a larger engine, so its road tax is higher and its premium may differ. With no new-car list entry, this page gives no list price.
COE for the 2.0
With a 1,999cc engine, above 1,600cc, the S-Max 2.0 needs a Category B COE. That is the price page's position, and engine size alone decides it.
Category B closed at S$130,100 in the October 2026 1st round. On a used car you do not pay that directly. What matters is how many years the existing COE has left, because that limits how long you can keep the car without renewing. The COE page has the round-by-round results.
Road tax
The 2.0's road tax, from LTA's formula, is S$1,210.92 a year before any age surcharge.
That surcharge applies to cars over 10 years old and rises each year:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
A 1,999cc engine already carries a sizeable base tax, so the surcharge adds up. Look at the registration date on any S-Max you view. The road tax page has the figure for the 2.3's engine size.
The insurance price for one driver
The Ford S-Max price page sets out these details:
- Car: S-Max 2.0, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 to 19 years of driving experience
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
14 insurers price this car. Only two on our panel have no online price for it. The lowest premium is S$742.90. The insurer whose lowest plan is dearest asks at least S$1,909.75. The difference is S$1,166.85, or 157% more. All prices include 9% GST.
That spread is wide. The same driver could pay well over twice as much, purely by choice of insurer.
Excess
The excess is the amount you bear on any claim. Here the most common figure is S$600. Other plans set S$500, S$750 or S$800. Some go as high as S$2,500 or S$3,000, and one has no excess.
Several mid-priced plans on the page carry those high excesses. A lower premium is only part of the picture, so weigh what a claim would cost you too.
What changes the price
The price page re-prices the car with one detail changed each time. The lowest premium becomes:
- No NCD (0%): S$1,193.08, S$450.18 more
- 20% NCD: S$1,193.08, S$450.18 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,193.08, S$450.18 more
- Driver aged 65, 20 or more years' driving: S$742.90, the same
- New car, registered this year: S$764.82, S$21.92 more
- Car 8 years old: S$666.79, S$76.11 less
Your NCD is the single biggest lever. Without it, the lowest price is 61% higher. A 20% NCD lands on the very same figure as no NCD at all.
A newer car costs only a little more, and an older one a little less. These are the lowest prices only; dearer plans may move differently. Check each plan you shortlist under your own details.
Against similar cars
For the same driver and car age, the price page lists six similar cars and their lowest premiums:
- Lexus NX: S$972.39
- Lexus RX: S$972.39
- BMW 5 Series: S$861.03
- Mercedes-Benz E-Class: S$861.03
- Toyota Voxy: S$793.75
- Toyota Harrier: S$742.90
The six average S$867.25. The S-Max is 14% below that. None of them is cheaper to insure, and the Harrier matches it. More Ford models are listed on the Ford car insurance page. The car insurance page explains how we compare.
Costs you set yourself
Some running costs depend on your own use, so we give no figure for them.
- Parking: season parking at home, plus at work, malls and on the street.
- Petrol: tied to how far you drive and the price at the pump.
- ERP: tied to the gantries on your routes and the times you pass them.
- Servicing and repairs: scheduled servicing, plus tyres, brakes and a battery over the years. Ask for the service history on a used car.
- Depreciation: shaped by what you pay and the COE years left on the car.
The yearly figures together
For the S-Max 2.0, dated as shown:
- Road tax: S$1,210.92 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$742.90 a year (20 October 2026)
- Insurance, no NCD: from S$1,193.08
- Insurance, 8-year-old car: from S$666.79
- COE: Category B, S$130,100 in the October 2026 1st round
Before you buy: car insurance for the Ford S-Max
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Ford S-Max 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.