The Naza Sutera GS is a small car with a 1.1 litre engine and a manual gearbox, now off the new-car list. If you drive one in Singapore, or are looking at one second-hand, this guide covers the yearly costs we can show.
The insurance figures are examples for one stated driver, read on 1 November 2026. They are useful for comparison. They are not your price.
The version we price
The new-car list has no entry for the Sutera GS on sale now. This guide therefore gives no list price, power figure or body type.
The price page prices the Sutera GS 1.1 MT 2WD, with a 1,075cc engine. It is the version most of our insurers quote, and all figures below are for it.
The COE rule
With a 1,075cc engine, the price page says the Sutera GS 1.1 needs a Category A COE if its power is 97kW (130bhp) or less. If it has more, it needs Category B.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. On a used car, the COE life left shapes the value. The COE page lists recent rounds.
Road tax: low for a small engine
For 1,075cc, LTA's formula gives S$434.98 a year, checked on 2026-10-19. That is before any age surcharge.
A car past 10 years pays more:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Even with the top surcharge, road tax on this engine stays modest. The road tax page works out your sum.
Car insurance for the standard driver
The Naza Sutera GS price page prices:
- Car: Sutera GS 1.1 MT 2WD, 3 years old, private use, comprehensive
- Driver: aged 40, married, office job, 10 years' driving
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
4 insurers price it online, across six plans. The lowest premium is S$751.29 a year. The insurer whose lowest plan costs most asks at least S$905.83, which is S$154.54 more, or 21% on top. The highest plan on the page is S$1,173.42. All prices include 9% GST.
Three of the four insurers' lowest plans sit close together, from S$902.63 to S$905.83. Four plans are marked as estimates.
Excess against premium
The lowest premium carries a S$1,200 excess. Every other plan on the page carries S$600. So the lower premium comes with double the excess. If you think a claim is likely, that difference matters.
Fifteen insurers on our panel give no online price for the Sutera GS. Most have no rate for it yet. One does not offer this cover online, one does not list the model, and one holds a price for one standard driver only.
How the premium changes
The price page shows the lowest price when one detail changes:
- No NCD (0%): S$1,727.98, S$976.69 more
- 20% NCD: S$1,262.18, S$510.89 more
- Aged 27, 3 years' driving, 30% NCD: S$1,887.60, S$1,136.31 more, from 1 insurer
- Aged 65, 20 years' driving: S$902.63, S$151.34 more, from 3 insurers
- New car, registered this year: S$799.23, S$47.94 more
- Car 8 years old: S$735.29, S$16 less
The young driver row is the dearest, at 151% above the standard figure. Only one insurer prices that case.
For the older driver, a different insurer leads, with a plan marked as an estimate.
The NCD rows show what a clean record is worth. Dropping from 50% to 20% NCD adds S$510.89 a year. Losing it all adds S$976.69, more than doubling the lowest price. All 4 insurers price both of those rows.
The 8-year-old car comes out S$16 lower than the standard case. For a used Sutera, that row is the closer guide.
Compared with similar small cars
The price page lists six cars with engines of a similar size, for the same driver and car age:
- Audi Q2: S$763.00, 14 insurers
- Audi A1: S$757.60, 12 insurers
- Chery A1: S$757.60, 4 insurers
- Mitsubishi Attrage: S$727.02, 15 insurers
- Toyota C-HR: S$689.29, 14 insurers
- Nissan Kicks e-Power: S$679.32, 10 insurers
Their average lowest price is S$728.97. The Sutera GS costs 3% more. Three of the six are cheaper to insure, and three cost more.
So on insurance, the Sutera GS sits in the middle of this small-car group. It draws fewer prices than most rivals, but the lowest one is close to theirs. Other Naza models are on the Naza car insurance page.
Costs we cannot put a figure on
- Petrol: set by your mileage and pump prices.
- Parking: season parking at your HDB block or condo, and elsewhere.
- ERP: depends on your routes and times.
- Servicing and parts: for a less common make, ask about parts supply and cost before you buy.
- Depreciation: on a used car, tied to the price and the COE life left.
Summary of yearly costs we can show
For the Naza Sutera GS 1.1 MT 2WD, with dates:
- Road tax: S$434.98 a year before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$751.29 a year (1 November 2026)
- Insurance, no NCD: from S$1,727.98
- Insurance, a car 8 years old: from S$735.29
For reference, the October 2026 2nd round COE was S$132,004 for Category A and S$131,901 for Category B.
Before you buy: car insurance for the Naza Sutera GS
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Naza Sutera GS 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.