The Proton Gen 2 is an older hatchback that is no longer on the new-car list. If you drive one, or are looking at a used one, this guide sets out what it costs to keep each year. On the standard profile, its insurance comes in below every similar car on the price page.
All premiums here are examples for one stated driver, as of 1 November 2026. They help you compare. Your own price depends on your details.
Three versions on the form
The new-car list has no entry for the Gen 2 on sale now. So no list price, power figure or body type is given here.
The quote form lists three versions:
- Gen 2 1.3, 1,332cc
- Gen 2 1.6, 1,597cc
- Gen 2 Automatic, 1,597cc
The insurance figures are for the Gen 2 1.3, the version most of our insurers quote.
Road tax for the 1.3
LTA's formula sets road tax by engine size. The 1,332cc engine pays S$585.72 a year before any age surcharge. The 1.6 versions have a bigger engine and pay more; the road tax page gives their figure.
Many Gen 2 cars are now past ten years, so check the surcharge:
- Older than 10 years: +10%
- Older than 11 years: +20%
- Older than 12 years: +30%
- Older than 13 years: +40%
- Older than 14 years: +50%
On an old car the surcharge can make up a real part of the bill.
COE and the remaining years
Every car needs a COE to be on the road. On a used Gen 2, how many COE years are left largely sets what the car is worth.
The price page gives the category rule. The Gen 2 1.3, with its 1,332cc engine, falls in Category A if its power is 97kW (130bhp) or less. With more power it falls in Category B.
The October 2026 2nd round closed at S$132,004 for Category A and S$131,901 for Category B. The COE page has later rounds.
What insurance costs
The Proton Gen price page prices this profile:
- Car: Gen 2 1.3, 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
9 insurers give an online price. The lowest premium is S$651.36 a year. The insurer whose lowest plan costs most asks at least S$976.19. The gap is S$324.83, or 50%. All prices include 9% GST.
That is a fairly tight spread. Several plans sit within a few hundred dollars of the lowest. The page also shows dearer plans up to S$1,269.04.
Eight insurers have no online price for it. One does not offer this cover online, and one prices only a single reference driver.
The excess on each plan
Your excess is the first part of any claim. On this page it runs from S$500 to S$5,000. The lowest premium carries S$1,200. Two plans carry S$5,000, one of them the second-lowest premium. Most others sit at S$500 or S$600, with one at S$750.
So check whether a low price is low because of a high excess. Five figures on the page are estimates.
How the premium changes
The price page changes one detail at a time and gives the lowest premium:
- No NCD: S$1,316.15, S$664.79 more
- 20% NCD: S$1,052.92, S$401.56 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,339.34, S$687.98 more
- Driver aged 65, 20 years' driving: S$786.83, S$135.47 more, from 8 insurers
- New car, registered this year: S$692.93, S$41.57 more
- Car 8 years old: S$637.50, S$13.86 less
A young driver with a short record pays most, a rise of 106%. Starting from no NCD costs almost as much.
The car's age has little effect. An older Gen 2 costs slightly less to insure on these details. Only lowest prices are shown, so other plans may shift differently.
Set against similar cars
The price page compares the Gen 2 with six cars, same driver and car age:
- Toyota Sienta: S$674.30
- Mazda 3: S$730.18
- Mercedes-Benz C-Class: S$749.93
- Honda Freed: S$756.48
- BMW X1: S$763.00
- Mercedes-Benz GLB: S$822.26
Their average lowest price is S$749.36. The Gen 2 is 13% below that, and none of the six is cheaper to insure. Each of them has more insurers pricing it, though. Other Proton models are on the Proton car insurance page.
The rest of the running costs
- Parking: season parking at your HDB block or condo, plus parking at work and when out.
- Petrol: your distance and pump prices.
- ERP: depends on where and when you drive.
- Wear and repairs: on an older car, ask for the service records. Check tyres, brakes and battery, and what is due next.
- Depreciation: comes down to what you pay and how many COE years remain.
Summary of yearly costs we can show
For the Proton Gen 2 1.3:
- Road tax: S$585.72 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$651.36 a year (1 November 2026)
- Insurance, no NCD: from S$1,316.15
- Insurance, driver aged 27 with 30% NCD: from S$1,339.34
- Insurance, a car 8 years old: from S$637.50
There is no list price, since the new-car list has no entry. In the October 2026 2nd round, COE closed at S$132,004 in Category A and S$131,901 in Category B.
Before you buy: car insurance for the Proton Gen
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Proton Gen 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.