If you are weighing up a MINI One D, most of what it costs you each year comes down to a few items. These are road tax, car insurance and, if you buy new, the COE that comes with the car. This guide takes them one at a time.
The insurance figures are examples for one stated driver, read on 20 October 2026. They show how prices compare and move. They are not a quote for you, because your own premium depends on your answers.
Which MINI One D is priced here
Our quote form carries one version of this model: the MINI One D with a 1,598cc engine. That is the car behind every insurance figure below.
The new-car list read for this guide has no entry for the One D on sale now. So there is no list price, power figure or body type to give here. If you are looking at one, it is most likely a used car, and the price you pay is between you and the seller.
The COE it falls under
Any car on Singapore roads carries a Certificate of Entitlement. For the One D, with its 1,598cc engine, the category depends on power:
- Category A: if its power is 97kW (130bhp) or less. This category closed at S$130,001 in the October 2026 1st round.
- Category B: if its power is more than that. This category closed at S$130,100 in the same round.
COE results change every round. The COE page carries the latest. If you buy a used One D, the car keeps the COE it already has, and the years left on it matter more than the original price.
Road tax each year
Road tax follows engine size. LTA's formula for a 1,598cc engine gives S$741.72 a year, before any surcharge for age. That figure was checked on 2026-10-19.
Older cars pay more. The surcharge starts once a car passes 10 years old:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Road tax rules also differ by fuel type. Confirm the figure for your exact car on the road tax page before you budget.
What car insurance costs for the standard driver
The MINI One D price page prices a single profile:
- The car: the One D, registered 3 years ago, private use, comprehensive cover
- The driver: aged 40, married, office job, 10 to 19 years of driving
- The record: a 50% no-claim discount (NCD) and no claims
- The extras: repairs at an authorised workshop, no add-ons
For that profile, 11 insurers give a price, across 17 plans. The lowest premium is S$794.13. The insurer whose lowest plan is dearest asks at least S$1,249.25. That is S$455.12 more, or 57% on top. All prices include 9% GST.
Five insurers on the panel have no online price for this model yet. That narrows your choice a little compared with more common cars.
Excess and estimates
The excess is what you pay towards a claim yourself. On this page, nine of the 17 plans carry an excess of S$600. Others carry S$500, S$750 or S$800, and one plan carries none at all.
Three of the plans are marked as estimates. Their final price can shift once the insurer has your full details. When two plans are close on premium, the excess and the estimate label can be what separates them.
How the price moves with the driver and the car
The price page also shows the lowest price when one detail changes and the rest stay the same:
- No NCD (0%): S$1,123.15, which is S$329.02 more
- 20% NCD: S$1,123.15, S$329.02 more
- Aged 27, 3 years of driving, 30% NCD: S$1,123.15, S$329.02 more
- Aged 65, 20 or more years of driving: S$970.98, S$176.85 more
- A new car, registered this year: S$972.48, S$178.35 more
- A car 8 years old: S$776.71, S$17.42 less
The NCD lines matter most. With no NCD, the lowest price rises by 41%. A young driver with a part-built NCD lands at the same lowest price as a driver with none.
The older-driver line is unusual. For many cars a 65-year-old with a long record pays the same as the standard driver. Here the lowest price rises, and one fewer insurer prices that driver. If an older family member will be the main driver, compare plans with their details, not yours.
An 8-year-old One D costs a little less to insure at the lowest price. A newer one costs more. These are the lowest prices only, so other plans can move by different amounts.
How it sits against similar cars
The price page sets the One D beside six cars with similar engines, 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
- Honda Freed: S$642.42
- Hyundai Kona: S$721.59
Their average lowest price is S$724.93. The One D sits 10% above that, and four of the six cost less to insure. Only the Mazda 3 and the BMW X1 cost more. Other MINI models are on the MINI car insurance page.
The costs you control
Some running costs depend so much on you that one figure would mislead.
- Parking: season parking at your HDB block or condo, plus what you pay at work and in town.
- Fuel: your distance and the pump price set this.
- ERP: your routes and the times you travel decide what you pay.
- Servicing and parts: follow the maker's schedule. For an older car, ask what has been replaced and what is due.
- Depreciation: what the car loses in value depends on what you pay and how many COE years are left.
Summary of yearly costs we can show
For the MINI One D (1,598cc), with dates as shown:
- Road tax: S$741.72 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$794.13 a year (20 October 2026)
- Insurance, no NCD: from S$1,123.15
- Insurance, driver aged 65: from S$970.98
- Insurance, a car 8 years old: from S$776.71
For a new car, the COE in the October 2026 1st round was S$130,001 in Category A or S$130,100 in Category B, depending on power.
Before you buy: car insurance for the MINI One D
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the MINI One D 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.