The Proton e.MAS 5 is a small electric car. It is new enough that few insurers price it online, and it has no entry on the new-car list. This guide sets out what the figures can show about its yearly costs, and where they run out.
The insurance figure is an example for one stated driver, as of 1 November 2026. It is an estimate and a reference point. Your own price will depend on your details.
The car on our form
The new-car list has no entry for this model on sale now. So there is no list price, power figure or body type to give here.
The quote form has one version, the e.MAS 5 40.16 kWh, which is electric. The insurance price below is for it.
How the COE is decided
Electric cars fall into a COE category by motor power. The price page gives this rule for the e.MAS 5. It needs a Category A COE if its motor is 110kW (147bhp) or less. If more powerful, it needs Category B.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. Check the motor's power on the car's papers to know which applies. The COE page has the latest results.
Road tax: no figure yet
Road tax on an electric car follows motor power. The facts here hold no motor power for the e.MAS 5, so no road tax figure can be given. Once you know the motor's kW rating, the road tax page works it out.
As with any car, a surcharge applies after 10 years: +10% past 10 years, +20% past 11, +30% past 12, +40% past 13 and +50% past 14.
Insurance: a single estimate
The Proton e.MAS 5 price page uses this profile:
- Car: e.MAS 5 40.16 kWh, 3 years old, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- NCD: 50%, no claims
- Repairs: authorised workshop, no options
One insurer gives a price online: S$1,081.39 a year, GST at 9% included. It is marked as an estimate. The plan has a S$0 excess, so on that plan you would pay nothing yourself towards a claim.
Seventeen insurers have no online price for the e.MAS 5. One does not list the model on its online quote. Another does not quote electric cars online. For the rest, the model is simply not on their online pricing yet.
That leaves little to compare on the page. When you ask for other quotes, set each one's excess beside the S$0 here. A lower premium with a higher excess is a different trade-off.
How the estimate changes
The price page varies one detail at a time:
- No NCD: S$2,253.64, S$1,172.25 more
- 20% NCD: S$1,802.91, S$721.52 more
- Driver aged 27, 3 years' driving, 30% NCD: S$2,206.67, S$1,125.28 more
- Driver aged 65, 20 years' driving: S$1,206.14, S$124.75 more
- New car, registered this year: S$1,081.39, the same
- Car 8 years old: S$1,081.39, the same
The biggest change is losing your NCD. The price rises by 108%, a little more than for the young driver.
The car's age makes no difference to this estimate. A new e.MAS 5 and an 8-year-old one price the same as a 3-year-old car.
Reading the NCD figures
NCD is the discount you build by not claiming. The standard driver on this page has 50%. At 20% the price here is S$721.52 higher. At 0% it is more than double the standard figure. If you are moving from another car, check your current NCD first.
Next to other electric cars
The price page compares the e.MAS 5 with six electric cars, same driver and car age:
- BYD M6: S$861.41, 9 insurers
- Tesla Model 3: S$913.62, 10 insurers
- BYD Atto 3: S$913.63, 10 insurers
- Tesla Model Y: S$939.71, 10 insurers
- BYD Sealion 7: S$1,390.72, 7 insurers
- BMW iX1: S$1,907.27, 2 insurers
Their average lowest price is S$1,154.39. The e.MAS 5 costs 6% less than that. Even so, four of the six are cheaper to insure. Most of those also have 9 or 10 insurers pricing them, so you have more to compare. Other models are on the Proton car insurance page.
Costs that depend on you
- Charging: home charging if your car park has a charger, or public chargers. How much you drive sets the cost.
- Parking: season parking at your HDB block or condo, plus parking at work and elsewhere.
- ERP: depends on your routes and times.
- Servicing: an electric car has its own schedule. Ask what the warranty covers, including the battery, and for how long.
- Depreciation: depends on what you pay now and what the car is worth later.
Summary of yearly costs we can show
For the Proton e.MAS 5 40.16 kWh:
- Road tax: no figure without the motor's power; see the road tax page
- Insurance, standard driver: S$1,081.39 a year, an estimate from the one insurer online (1 November 2026)
- Insurance, no NCD: S$2,253.64
- Insurance, driver aged 27 with 30% NCD: S$2,206.67
- Insurance, driver aged 65: S$1,206.14
No list price is shown, as the new-car list has no entry. COE in the October 2026 2nd round: S$132,004 for Category A, S$131,901 for Category B.
Before you buy: car insurance for the Proton e.MAS 5
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Proton e.MAS 5 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.