The Proton Savvy is a small car with a 1.2-litre engine, and it is not on the new-car list. Its road tax is low, and its insurance on the standard profile sits below each similar car on the price page. This guide goes through those figures and the costs that depend on you.
The insurance prices are examples for one stated driver, as of 1 November 2026. They let you compare. They are not your quote.
The version on the form
The new-car list has no entry for the Savvy. That means no list price, power figure or body type here.
The quote form carries one version: the Savvy 1.2, with a 1,149cc engine. The insurance figures below are for it.
A small engine, a small road tax bill
Road tax follows engine size. For 1,149cc, LTA's formula gives S$478.38 a year before any age surcharge. Because the engine is small, this is one of the smaller fixed bills of owning the car. You pay it every year the car stays on the road, and it rises once the car is old enough for a surcharge.
An older Savvy will likely pay a surcharge, which starts after 10 years:
- More than 10 years: +10%
- More than 11 years: +20%
- More than 12 years: +30%
- More than 13 years: +40%
- More than 14 years: +50%
The road tax page explains the formula.
The COE and what it means for a used Savvy
A COE is needed to keep any car on the road. A used car comes with the COE years it has left, and those years shape its value.
The price page states the rule. The Savvy 1.2, with its 1,149cc engine, falls in Category A if its power is 97kW (130bhp) or less, and in Category B if more.
The October 2026 2nd round closed at S$132,004 for Category A and S$131,901 for Category B. For the newest results, see the COE page.
Insuring a Savvy
The Proton Savvy price page prices these details:
- Car: Savvy 1.2, 3 years old, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- NCD: 50%, no claims
- Repairs: authorised workshop, no options
11 insurers give an online price. The lowest is S$637.65 a year. The insurer whose lowest plan costs most asks at least S$1,307.34. That is S$669.69 more, or 105%. The top plan on the page is S$1,713.73. All prices include 9% GST.
Six insurers have no online price for the Savvy. One does not offer the cover online, and one prices just one reference driver.
Looking at the excess
The excess is your share of each claim. It runs from S$300 to S$5,000 on this page.
The lowest premium has a S$1,200 excess. The next one has S$500. Two plans at S$763 carry very different excesses: one S$5,000, the other S$750. That shows why the premium alone can mislead. Five figures are estimates.
Moving one detail at a time
The price page gives the lowest premium for each change:
- No NCD (0%): S$1,181.85, S$544.20 more, from 12 insurers
- 20% NCD: S$945.49, S$307.84 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,222.96, S$585.31 more
- Driver aged 65, 20 years' driving: S$763.00, S$125.35 more, from 10 insurers
- New car, registered this year: S$678.34, S$40.69 more
- Car 8 years old: S$624.07, S$13.58 less
The young driver's price rises most, by 92%. That is still under double the standard price.
With no NCD, one more insurer gives a price than on the standard profile. For an older driver, one fewer does.
The car's age makes only a small difference. A new car costs a little more to insure, and an 8-year-old car a little less. Keep in mind that each figure is the lowest plan only, and other plans can move by different amounts.
Against similar small cars
The price page compares the Savvy with six cars of similar engine size, same driver and car age:
- Nissan Kicks e-Power: S$679.32
- Toyota C-HR: S$689.29
- Mitsubishi Attrage: S$727.02
- Honda Jazz / Fit: S$741.66
- Audi A1: S$757.60
- Audi Q2: S$763.00
Their average lowest price is S$726.32. The Savvy is 12% lower. None of the six is cheaper to insure on these details. Other Proton models are on the Proton car insurance page.
What you will need to estimate
- Parking: season parking at your HDB block or condo, and parking during the day.
- Petrol: set by your distance and pump prices.
- ERP: set by your routes and timing.
- Maintenance: on an older small car, check the service record and what parts may be due, such as tyres, brakes or a battery.
- Depreciation: what you pay now against the COE years left.
Summary of yearly costs we can show
For the Proton Savvy 1.2:
- Road tax: S$478.38 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$637.65 a year (1 November 2026)
- Insurance, no NCD: from S$1,181.85
- Insurance, driver aged 27 with 30% NCD: from S$1,222.96
- Insurance, driver aged 65: from S$763.00
No list price applies, as the new-car list has no entry. The COE closed at S$132,004 for Category A and S$131,901 for Category B in the October 2026 2nd round.
Before you buy: car insurance for the Proton Savvy
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Proton Savvy 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.