With a 989cc engine, the Perodua Viva has a small road tax bill. Its insurance is low for an experienced driver too, and the lowest price holds as the car gets older. The figure that moves is the no-claim discount. This guide goes through each cost the facts can show, with the COE category.
All insurance prices are examples for one stated driver, read on 20 October 2026. Use them to compare, not as your quote.
The version priced
Our quote form prices the Viva 1.0, with a 989cc engine. It is the version most insurers quote, and the only one this guide covers.
The new-car list read for this guide has no Viva on sale now. So there is no list price, power figure or body type here.
Which COE category
For the Viva 1.0, with its 989cc engine, the category depends on power:
- Category A: if its power is 97kW (130bhp) or less
- Category B: if it is more
Category A closed at S$130,001 and Category B at S$130,100 in the October 2026 1st round. A used Viva keeps its COE until it expires. Check the date before you agree a price. The COE page has the latest.
Road tax
LTA's formula gives the 989cc engine S$388.84 a year before any age surcharge. That was checked on 2026-10-19.
Once the car passes 10 years old, a surcharge applies:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page has the formula.
Car insurance today
The Perodua Viva price page prices this case:
- Car: Viva 1.0, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 to 19 years of driving
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no add-ons
12 insurers price it, across 17 plans. The lowest premium is S$545.00, on a plan that allows any workshop or an authorised one. The insurer whose lowest plan is dearest asks at least S$1,048.68. That is S$503.68 more, or 92% on top. All prices include 9% GST.
Four insurers on the panel have no online price for the Viva. The other 12 still show a wide range, so it helps to get several quotes before you settle on one plan.
Excess
Ten of the 17 plans carry an S$600 excess. Two carry S$500 and three S$800. One carries S$2,500 and one none.
The second-lowest premium, S$650.45, carries S$500. The third, S$683.22, is the plan with the S$2,500 excess. Four plans are estimates, which can change once your details are in.
What moves the price
The price page shows the lowest price with one change at a time:
- No NCD (0%): S$868.93, S$323.93 more
- 20% NCD: S$784.56, S$239.56 more
- Driver aged 27, 3 years of driving, 30% NCD: S$868.93, S$323.93 more
- Driver aged 65, 20 or more years of driving: S$545.00, the same
- New car, registered this year: S$545.00, the same
- Car 8 years old: S$545.00, the same
- NCD: with none, the lowest price is 59% higher. With 20%, it is S$239.56 higher.
- A young driver: aged 27 with 30% NCD, the lowest price matches the no-NCD figure.
- An older driver: the lowest price holds, with one fewer insurer quoting.
- Car age: a new Viva, a 3-year-old one and an 8-year-old one all start at S$545.00.
These are lowest prices only. Dearer plans can move differently.
Against similar small cars
The price page compares six cars with similar engines, same driver and car age:
- Audi A1: S$660.69
- Audi Q2: S$660.69
- Chery A1: S$774.43
- Chery QQ: S$545.00
- Citroen C3: S$604.07
- Daihatsu Copen: S$718.87
Their average lowest price is S$660.63. The Viva is 18% below it, and none of the six is cheaper to insure. The Chery QQ is level with it. Other Perodua models are on the Perodua car insurance page, and the cheapest cars to insure page lists more.
Pros and cons on insurance cost
- For: none of six similar cars is cheaper to insure
- For: the lowest price holds for older drivers and older cars
- Against: losing your NCD adds S$323.93 at the lowest price
- Against: four insurers have no online price
Costs that depend on you
These vary from owner to owner:
- Parking: season parking at your HDB block or condo, plus parking at work and in town
- Petrol: your mileage and the pump price
- ERP: your routes and travel times
- Servicing and parts: ask how easily parts can be found, and for the service record
- Depreciation: what you pay against the COE years left
Before you buy
- COE expiry date: the years left decide how long you can keep the car
- Registration date: it sets the road tax surcharge band
- Service history: what has been replaced and what is due
- Quotes with your own NCD: since it is what moves this car's price
Summary of yearly costs we can show
For the Perodua Viva 1.0, dated as shown:
- Road tax: S$388.84 a year before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$545.00 a year (20 October 2026)
- Insurance, no NCD: from S$868.93
- Insurance, 20% NCD: from S$784.56
- Insurance, a new or 8-year-old car: from S$545.00
Before you buy: car insurance for the Perodua Viva
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Perodua Viva 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.