The Perodua Kembara is a small SUV-style car with a 1,298cc engine. It has long been out of the new-car showrooms. This guide is for people who own one or are thinking of buying one used. It covers the COE rule, road tax and car insurance.
The insurance figures are examples for one stated driver, as of 1 November 2026. Use them to compare, not as your own premium.
Out of the new-car list
The new-car list has no entry for the Kembara on sale now. So there is no list price, power or body type here. The price page prices the Kembara 1.3, with a 1,298cc engine, and the costs below build on that.
The COE it falls under
According to the price page's rule, the 1,298cc Kembara needs a Category A COE if its power is 97kW (130bhp) or less. If it is more powerful, it needs Category B. Category A closed at S$132,004 in the October 2026 2nd round, and Category B at S$131,901.
On a used Kembara, the date the current COE runs out is what to check. The COE page has the latest results.
Road tax on a 1,298cc engine
LTA's formula, checked 2026-10-19, gives S$565.78 a year for a 1,298cc engine. That is the base before any age surcharge.
The surcharge bands are:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Given how long ago it left the market, a Kembara on the road today is likely to sit in the higher bands. The road tax page does the sums.
Car insurance for the page's driver
The Perodua Kembara price page prices this case:
- Car: Kembara 1.3, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
The 3-year car age is fixed by the page. It will not match real Kembaras, but it gives each insurer the same starting point.
9 insurers price it online. The lowest premium is S$675.91 a year. The insurer whose lowest plan costs most asks at least S$905.83. That is S$229.92 more, or 34%. The dearest plan reaches S$1,025.46. All prices include 9% GST.
The excess on offer
Your excess is what you pay towards a claim. Seven plans carry S$600 and three carry S$500. One plan carries S$1,200 and one S$2,500. Read the excess with the premium, since a lower premium can carry a larger share.
Insurers with no online price
The page names 9 insurers without an online price. Six have no price for the Kembara yet. One does not offer this cover online, one does not list the model, and one holds a price for a single standard driver only.
The details that change the premium
The page changes one detail at a time and shows the new lowest price:
- No NCD (0%): S$1,412.99, which is S$737.08 more
- 20% NCD: S$1,134.36, which is S$458.45 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,483.74, which is S$807.83 more
- Driver aged 65, 20 years' driving: S$881.04, which is S$205.13 more
- New car, registered this year: S$708.22, which is S$32.31 more
- Car 8 years old: S$661.52, which is S$14.39 less
The young driver sees the biggest rise, at 120%. Losing the NCD more than doubles the lowest price as well. The older driver pays S$205.13 more, a larger step than on many cars.
Both the young and older driver lines have 7 insurers pricing, two fewer than the standard case. The car's age changes the price only a little.
These are lowest prices. Plans higher up may move by other amounts. If a second driver in your home is young or newly licensed, ask each insurer how naming them changes the premium. The young-driver line gives a sense of how large that step can be.
Similar cars on the price page
For the same driver and car age, the page lists six cars with engines of a similar size:
- Mercedes-Benz GLA: S$822.26
- Mercedes-Benz GLB: S$822.26
- Mercedes-Benz A-Class: S$755.55
- Honda Jazz / Fit: S$741.66
- Toyota Yaris Cross: S$704.12
- Toyota C-HR: S$689.29
Their average lowest price is S$755.86. The Kembara is 11% below that, and none of the six is cheaper to insure. These cars are each priced by 10 to 15 insurers, so they have a wider field. The car insurance page covers other makes.
The costs that depend on you
- Petrol: the bill turns on distance driven and pump prices.
- Parking: season parking at your HDB block or condo, plus parking elsewhere.
- ERP: depends on your routes and the hour.
- Parts and upkeep: an old model can need more parts. Ask a workshop what it can source before you buy.
- Depreciation: on a used car, it follows the price you pay and the COE years left.
Summary of yearly costs we can show
For the Perodua Kembara 1.3:
- Road tax: S$565.78 a year before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$675.91 a year (as of 1 November 2026)
- Insurance, no NCD: from S$1,412.99
- Insurance, car 8 years old: from S$661.52
For reference, Category A closed at S$132,004 and Category B at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Perodua Kembara
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Perodua Kembara 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.