The Seat Tarraco is a larger Seat, but the version most insurers quote has a 1.4 engine. That keeps its road tax in line with smaller cars. Its insurance spread, though, is wide. This page covers the COE rule, road tax and car insurance from 13 insurers, then the costs that depend on you.
The insurance figures were read on 20 October 2026 for one stated driver. They are examples, not a quote.
The version we priced
There is no Tarraco on the new-car list we read, so this page has no list price. Our quote form prices the Tarraco 1.4, with a 1,395cc engine.
COE
For the Tarraco 1.4, with a 1,395cc engine, the category depends on power:
- Category A if its power is 97kW (130bhp) or less: S$130,001 in the October 2026 1st round
- Category B if it is more: S$130,100 in the same round
When you buy used, the COE comes with the car. The years left on it shape the price. The COE page has the latest results.
Road tax
LTA's formula gives the 1,395cc engine a road tax of S$622.66 a year, before any age surcharge.
Once a car is more than 10 years old, a surcharge is added:
- 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 for other engine sizes.
Insurance for the Tarraco
The Seat Tarraco price page prices this profile:
- Car: Tarraco 1.4, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 to 19 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: at an authorised workshop, no add-ons
Here's the spread
13 insurers price it. Three on our panel do not: two have no online price for the model yet, and one does not list it.
The lowest premium is S$660.69 a year. The insurer whose lowest plan is dearest asks at least S$1,785.67. That is S$1,124.98 more, or 170% on top. All prices include 9% GST.
For a family that keeps a car for years, that gap repeats at every renewal. It is worth checking each time.
The excess
The two lowest premiums carry S$600 and S$2,500. Most other plans carry S$600. Some carry S$500 or S$800, a few S$2,500 or S$3,000, and the dearest plan none. Look at both figures for every plan you compare.
Several prices are marked as estimates. Confirm them on the insurer's own site, where you finish buying.
How the price changes
The price page shows the lowest price when one detail changes:
- No NCD (0%): S$1,187.61, S$526.92 more
- 20% NCD: S$1,112.75, S$452.06 more
- Driver aged 27, 3 years' driving, 30% NCD: S$1,187.61, S$526.92 more
- Driver aged 65, 20 or more years' driving: S$660.69, the same
- A new car, registered this year: S$666.79, S$6.10 more
- A car 8 years old: S$604.07, S$56.62 less
The NCD dominates. With none, the lowest price rises 80%. At 20% NCD it is still well above the standard driver, and the 27-year-old driver pays the no-NCD figure. The driver aged 65 pays the same as the standard profile, with 12 insurers quoting. Car age moves the lowest price only a little.
These are lowest prices only. Dearer plans may move by other amounts. The insurer behind the lowest price can also change from line to line, so the plan you would choose for a different driver may not be the same one.
What to check on a plan
- Drivers in the family: if a younger driver will use the car, price them in. Their line costs as much as having no NCD.
- Workshop: these prices assume an authorised workshop. Any-workshop plans may cost a different amount.
- NCD protection: some plans sell it as an add-on. It is not in these prices.
Against similar cars
For the same driver and car age, the price page lists six similar cars:
- Mazda 3: S$927.36
- BMW X1: S$811.71
- Mercedes-Benz GLB: S$787.96
- Toyota Corolla Altis: S$642.42
- Honda Freed: S$642.42
- Toyota Sienta: S$604.07
Their average lowest price is S$735.99. The Tarraco, at S$660.69, is 10% below it. Three of the six, the Corolla Altis, Freed and Sienta, cost less to insure. Other Seat models are on the Seat car insurance page, and the cheapest cars to insure page ranks models across makes.
Costs that depend on you
- Parking: season parking at your HDB block or condo, plus parking at work and when out.
- Petrol: depends on how far you drive and the pump price.
- ERP: depends on your routes and the times you drive.
- Servicing and repairs: follow the maker's schedule, and plan for tyres, brakes and a battery. On a used car, ask for the service history.
- Depreciation: depends on what you pay, the COE years left and what the car fetches later.
Summary of yearly costs we can show
For the Seat Tarraco 1.4, dated as shown:
- Road tax: S$622.66 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$660.69 a year (20 October 2026)
- Insurance, no NCD: from S$1,187.61
- Insurance, a car 8 years old: from S$604.07
For a new registration, the October 2026 1st round COE was S$130,001 (Category A) or S$130,100 (Category B).
Before you buy: car insurance for the Seat Tarraco
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Seat Tarraco 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.