This page is for anyone pricing up a Suzuki Ciaz in Singapore, whether as a used buy or a car already in the family. It takes each cost in turn: COE, road tax and insurance first, then the costs that rest on your own habits.
Read the insurance figures as examples. They come from our price page on 20 October 2026 and fit one stated driver. Your own premium will reflect your own details.
The version priced
The new-car list has no entry for the Ciaz on sale now. So there is no list price here. Our quote form prices one version:
- Ciaz 1.4: 1,373cc
All the figures below refer to that car.
COE category for the Ciaz
For a car with a 1,373cc engine, the price page says the category depends on power. The Ciaz 1.4 needs a Category A COE if its power is 97kW (130bhp) or less. It needs a Category B COE if its power is more.
In the October 2026 1st round, Category A closed at S$130,001 and Category B at S$130,100. These figures shift every bidding round. See the COE page for the latest. When buying used, ask how many years remain on the COE.
Road tax
Road tax is worked out from engine size. For the Ciaz's 1,373cc engine, LTA's formula gives S$609.76 a year, before any age surcharge. That was checked on 2026-10-19.
An older car pays more. The surcharge begins after 10 years:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Look up other engine sizes on the road tax page.
Insurance for one example driver
The Suzuki Ciaz price page quotes for these details:
- Car: Ciaz 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: authorised workshop, no add-ons
11 insurers price it online for that driver. The lowest premium is S$823.38. The insurer whose lowest plan is dearest asks at least S$1,222.20. That is S$398.82 more, or 48% on top. Prices include 9% GST.
A 48% gap on the same car and driver is a real sum of money each year. It is the plainest case for checking several prices before you renew.
Look at the excess as well
Every plan lists an excess: what you pay toward a claim yourself. Here S$600 is the most common figure, but the range runs from S$0 to S$3,000. The lowest premium on this page comes with an excess of S$2,500. So the lowest premium and the lowest cost after a claim can be two different plans.
What changes the lowest price
The price page shows the lowest price when one detail changes, with everything else the same:
- No NCD (0%): S$910.44, S$87.06 more
- 20% NCD: S$910.44, S$87.06 more
- Driver aged 27, 3 years' driving, 30% NCD: S$910.44, S$87.06 more
- Driver aged 65, 20 or more years' driving: S$910.44, S$87.06 more
- New car, registered this year: S$780.90, S$42.48 less
- Car 8 years old: S$823.96, S$0.58 more
The Ciaz has an unusual pattern. A new car comes out cheaper to insure than the 3-year-old example. A car 8 years old costs almost exactly the same as the example.
On the driver side, losing your NCD costs the most, at 11% on the lowest price. A younger driver and an older one both land on that same figure. These are lowest prices only. Other plans may move by more or less.
How it compares with similar cars
The price page sets the Ciaz beside six cars of about the same engine size. Each is priced for the same driver and car age:
- Mazda 3: S$927.36
- Toyota Sienta: S$604.07
- BMW X1: S$811.71
- Mercedes-Benz GLB: S$787.96
- Honda Freed: S$642.42
- Mercedes-Benz C-Class: S$749.93
Their average lowest price is S$753.91. The Ciaz costs 9% more than that. Five of the six are cheaper to insure for this driver; only the Mazda 3 costs more.
A small engine does not always mean a small premium. These six cars have engines of a similar size, yet their lowest prices differ by hundreds of dollars.
Other Suzuki models are on the Suzuki car insurance page.
Costs that depend on you
These depend on how and where you drive, so no single figure fits.
- Parking: season parking at your HDB block or condo, plus parking at work and when you go out.
- Petrol: set by how far you drive and the pump price.
- ERP: depends on your routes and the time of day.
- Servicing and repairs: follow the maker's schedule. Tyres, brakes and a battery come up over the years. For a used car, ask what has been replaced.
- Depreciation: how much value the car loses depends on what you pay and the COE years left.
Yearly costs with a figure
For the Ciaz 1.4, dated as shown:
- Road tax: S$609.76 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, example driver: from S$823.38 a year (20 October 2026)
- Insurance, no NCD: from S$910.44
- Insurance, new car: from S$780.90
For reference, the COE in the October 2026 1st round: S$130,001 for Category A, S$130,100 for Category B.
Before you buy: car insurance for the Suzuki Ciaz
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Suzuki Ciaz 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.