The Proton Waja is an older saloon that is no longer on the new-car list. If you still run one, or are offered one, the yearly bills are what count. Here is what the figures show for road tax and car insurance, plus the COE rule and the costs you set yourself.
Each premium is an example for one stated driver, as of 1 November 2026. It shows how prices compare. It is not a quote.
The car we priced
No entry exists on the new-car list for the Waja. So there is no list price or power figure in this guide.
The quote form has a single version, the Waja 1.6, with a 1,584cc engine. That is the car behind every price below.
Yearly road tax
LTA charges road tax by engine size. For 1,584cc, the formula gives S$733.52 a year, before any age surcharge.
A Waja on the road today is likely to be an older car. Check the surcharge that applies to it:
- Past 10 years: +10%
- Past 11 years: +20%
- Past 12 years: +30%
- Past 13 years: +40%
- Past 14 years: +50%
If the car is near one of these steps, expect the bill to rise soon. The road tax page has more.
The COE side of a used Waja
To drive any car in Singapore, you need a valid COE. A used car carries the COE years it has left. When those run out, the owner must renew it or take the car off the road.
The price page gives the rule. With its 1,584cc engine, the Waja 1.6 needs a Category A COE if its power is 97kW (130bhp) or less. It needs Category B if its power is higher.
In the October 2026 2nd round, Category A closed at S$132,004 and Category B at S$131,901. The COE page has the latest.
Car insurance: the standard example
The Proton Waja price page uses this profile:
- Car: Waja 1.6, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, 10 years' driving
- NCD: 50%, no claims
- Repairs: authorised workshop, no options
10 insurers price the Waja online. The lowest premium is S$705.56 a year. The insurer whose lowest plan costs most asks at least S$1,455.39. That is S$749.83 more, or 106%. The page runs up to S$1,821.37 for the dearest plan. All prices include 9% GST.
Seven insurers have no online price for it. One does not offer the cover online, and one prices only a single reference driver.
Excess differences
The excess is what you pay towards a claim before the insurer pays. On this page it ranges from S$300 to S$5,000.
The two lowest premiums carry S$1,200 and S$5,000. Most plans in the middle ask S$500 or S$600. The dearest plans ask S$300. When two premiums are close, the excess can settle which plan suits you. Five of the prices are estimates.
What drives the premium up or down
The price page holds everything else steady and changes one thing:
- No NCD: S$1,477.31, an extra S$771.75
- 20% NCD: S$1,181.85, an extra S$476.29
- Aged 27, 3 years' driving, 30% NCD: S$1,486.97, an extra S$781.41
- Aged 65, 20 years' driving: S$883.17, an extra S$177.61, with 9 insurers pricing
- Registered this year: S$750.58, an extra S$45.02
- 8 years old: S$690.54, S$15.02 less
The young driver pays 111% more than the standard driver. Losing your NCD costs about the same.
By contrast, the age of the car barely moves the lowest price. A new car is a little dearer to insure, an older one a little cheaper. These figures are the lowest prices only. For the older driver, one insurer drops out, so there is a little less choice. If you are in your sixties or older, check how many plans you can still compare.
Six cars for comparison
The price page lists six cars, same driver and car age:
- Toyota Sienta: S$674.30, 15 insurers
- Toyota Corolla Altis: S$713.21, 15 insurers
- Mazda 3: S$730.18, 13 insurers
- Honda Freed: S$756.48, 14 insurers
- BMW X1: S$763.00, 16 insurers
- Hyundai Kona: S$763.00, 14 insurers
They average S$733.36 at their lowest. The Waja comes in 4% under that. One of the six, the Sienta, is cheaper to insure. The others cost more. Other Proton models are on the Proton car insurance page.
Other costs, in general terms
- Parking: season parking at home, plus parking at work, malls and on the street.
- Petrol: depends on how much you drive and on pump prices.
- ERP: depends on your routes and times.
- Repairs and servicing: an older car may need more parts replaced over time. Ask for the service history and check what is due.
- Depreciation: on a used car, this rests on the price you pay and the COE years remaining.
Summary of yearly costs we can show
For the Proton Waja 1.6:
- Road tax: S$733.52 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$705.56 a year (1 November 2026)
- Insurance, no NCD: from S$1,477.31
- Insurance, driver aged 65: from S$883.17
- Insurance, a car 8 years old: from S$690.54
No list price is shown, because the new-car list has no entry. COE in the October 2026 2nd round: S$132,004 in Category A, S$131,901 in Category B.
Before you buy: car insurance for the Proton Waja
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Proton Waja 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.