The Hyundai Atos is a small car that is no longer sold new here. If you own one, or are looking at a used one, the running costs matter more than any sticker price. This piece sets out the costs that come round every year.
The insurance figures are examples for one stated driver, as of 1 November 2026. They show how prices compare with each other. Your own quote depends on your own details.
No new-car listing
The new-car list has no entry for the Atos on sale now. So there is no list price, power figure or body type to report here. What the price page does show is the version our insurers quote: the Hyundai Atos with a 999cc engine. All the insurance figures below are for that car.
If you are buying used, the price is whatever the seller asks. Check the remaining COE life, because that drives a lot of a used car's value.
Where the Atos sits for COE
The price page sets out the COE rule for this engine. With a 999cc engine, the Atos needs a Category A COE if its power is 97kW (130bhp) or less. If its power is more, it needs a Category B COE.
In the October 2026 2nd round, Category A closed at S$132,004. Category B closed at S$131,901. These figures change every round. The COE page has the latest results.
For an older car, the COE question usually comes up when the certificate runs out. You then choose between renewing it and taking the car off the road.
Road tax on a 999cc engine
Road tax follows engine size. For the Atos and its 999cc engine, LTA's formula gives S$390.80 a year. That figure is before any surcharge for age.
Many Atos cars on the road today are past the 10-year mark. Once a car passes 10 years, a surcharge is added on top:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
So an older Atos pays more road tax each year it ages, up to the 50% cap. The road tax page works out the sum for other engines.
Insurance prices for the standard driver
The Hyundai Atos price page uses one fixed profile:
- The car: Hyundai Atos 999cc, registered 3 years ago, private use, comprehensive cover
- The driver: aged 40, married, office job, driving 10 years
- The record: 50% no-claim discount (NCD), no claims
- Repairs: at an authorised workshop, no options added
For that profile, 8 insurers give a price. The lowest is S$687.53 a year. The dearest of the eight asks at least S$1,065.06. That gap is S$377.53, or 55% on top of the lowest. All figures include 9% GST.
Eleven insurers on our panel have no online price for the Atos. That is a fairly large share, which is common for a car no longer sold new.
Excess varies a lot
The excess is the part of a claim you pay yourself. On this page it runs from S$500 to S$2,500. Most plans sit at S$600. The lowest premium comes with a S$1,200 excess. One of the next-lowest has a S$2,500 excess. A small saving on premium can mean a larger bill when you claim, so read both figures side by side.
Some prices on the page are marked as estimates. Those are worth checking with a full quote.
What changes the price
The price page shows the lowest price when one detail changes and the rest stays the same:
- No NCD (0%): S$1,334.64, which is S$647.11 more
- 20% NCD: S$1,071.10, S$383.57 more
- A driver aged 27, 3 years' driving, 30% NCD: S$1,450.66, S$763.13 more
- A driver aged 65, 20 years' driving: S$764.80, S$77.27 more, with 7 insurers pricing
- A new car, registered this year: S$640.14, S$47.39 less
- A car 8 years old: S$672.89, S$14.64 less
The young driver profile costs most. The lowest price rises by 111% for that driver. Losing all NCD comes close behind. By contrast, the age of the car moves the price only a little.
These are the lowest prices only. Other plans on the list may move by more or less.
Against other small cars
The price page puts the Atos next to six similar cars, at the same driver and car age. Each figure is the lowest price:
- Audi A1: S$757.60
- Audi Q2: S$763.00
- Chery A1: S$757.60
- Chery QQ: S$750.03
- Citroen C3: S$772.76
- Daihatsu Copen: S$630.09
Their average lowest price is S$738.51. The Atos comes in 7% below that. Only one of the six, the Copen, is cheaper to insure on these details. Other Hyundai models are on the Hyundai car insurance page, and the cheapest cars to insure page ranks models across makes.
The costs that depend on you
Some costs turn on how and where you drive, so no single figure fits.
- Parking: season parking at your HDB block or condo, and what you pay at work and in town.
- Petrol: depends on your mileage and pump prices.
- ERP: depends on the roads you use and the time of day.
- Upkeep: an older car may need more parts replaced, such as tyres, brakes and the battery. Ask for a recent service record.
- Depreciation: what the car loses in value turns on what you pay and how much COE life is left.
Summary of yearly costs we can show
For the Hyundai Atos 999cc, with dates:
- Road tax: S$390.80 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$687.53 a year (1 November 2026)
- Insurance, no NCD: from S$1,334.64
- Insurance, driver aged 27 with 30% NCD: from S$1,450.66
For reference, the COE in the October 2026 2nd round was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the Hyundai Atos
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Hyundai Atos 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.