The Suzuki SE416 JLX is an old model with a 1,590cc engine, long off the new-car market. If one is in your garage or on your shortlist, this page gives the yearly costs you can price. It also points out where the figures thin out.
All insurance prices are examples for one stated driver, as of 1 November 2026. Few insurers price this car, so treat them as a rough guide.
What we can say about the car
The new-car list has no entry for the SE416 JLX. There is no list price, power figure or body type from it.
The price page prices the Suzuki SE416 JLX, 1,590cc, which is the version most of our insurers quote.
Road tax: S$737.04 a year
LTA's formula gives S$737.04 a year for a 1,590cc engine, before any age surcharge.
A car of this age is likely to be past 10 years, so the surcharge matters:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The top step adds half again to the base figure. The road tax page works out the sum for your car's age.
COE category
The price page gives the rule: a 1,590cc SE416 JLX needs a Category A COE if its power is 97kW (130bhp) or less, and a Category B COE if it is more.
Category A closed at S$132,004 in the October 2026 2nd round, and Category B at S$131,901. For an old car, this is the cost of renewing the COE when it ends. The COE page has later rounds.
Who prices it, and for how much
The Suzuki SE416 JLX price page prices this case:
- Car: SE416 JLX, 1,590cc, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% no-claim discount (NCD), no claims
- Repairs: authorised workshop, no options
4 insurers price it online, with five plans in all. The lowest premium is S$834.72 a year. The insurer whose lowest plan costs most asks at least S$1,005.47. That is S$170.75 more, or 20% on top. The dearest plan is S$1,302.34. All prices include 9% GST.
Fifteen insurers on our panel have no online price for the SE416 JLX. One does not list the model on its online quote. Another holds a price for one reference driver only. For a rare car, asking insurers directly with your details may widen the choice.
The excess on each plan
- S$834.72: S$1,200 excess
- S$890.03: S$600 excess
- S$898.87: S$2,500 excess
- S$1,005.47 and S$1,302.34: S$500 excess
The second plan costs a little more than the first, but halves the excess. The third costs more again and carries the biggest excess. Look past the premium to what you would pay at claim time.
How the price responds
The price page shows the lowest price when one thing changes:
- No NCD (0%): S$1,689.62, which is S$854.90 more
- 20% NCD: S$1,357.73, S$523.01 more
- A driver aged 27, 3 years' driving, 30% NCD: S$1,851.28, S$1,016.56 more, with 3 insurers pricing
- A driver aged 65, 20 years' driving: S$1,075.15, S$240.43 more, with only 2 insurers pricing
- A new car, registered this year: S$857.83, S$23.11 more
- A car 8 years old: S$816.96, S$17.76 less, with 3 insurers pricing
The young driver case more than doubles the lowest price: it is 122% higher. No NCD is not far behind. An older driver also pays noticeably more here, partly because only two insurers price that case.
The number of insurers drops in several cases. With fewer prices, the lowest one can jump.
Similar cars for comparison
The price page sets the SE416 JLX against six cars with similar engines, for the same driver and car age:
- Toyota Corolla Altis: S$713.21, 15 insurers
- Mazda 3: S$730.18, 13 insurers
- Toyota Sienta: S$674.30, 15 insurers
- BMW X1: S$763.00, 16 insurers
- Honda Freed: S$756.48, 14 insurers
- Hyundai Kona: S$763.00, 14 insurers
The six average S$733.36. The SE416 JLX is 14% above that, and all 6 are cheaper to insure. Each of them has at least 13 insurers pricing it, against 4 for the SE416 JLX. A wider field tends to bring the lowest price down.
Other Suzuki models are on the Suzuki car insurance page. The cheapest cars to insure page ranks every make.
Costs left to you
These depend on how you use the car:
- Parking: season parking at home and work, plus parking on outings.
- Petrol: depends on how far you drive and on pump prices.
- ERP: depends on your routes and timing.
- Parts and repairs: an old, uncommon model may need parts that take time to source. Ask a workshop before you commit.
- Depreciation: depends on the price you pay and the COE years left.
Summary of yearly costs we can show
For the Suzuki SE416 JLX, 1,590cc:
- Road tax: S$737.04 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$834.72 a year, 4 insurers pricing (as of 1 November 2026)
- Insurance, no NCD: from S$1,689.62
- Insurance, driver aged 27 with 30% NCD: from S$1,851.28
- Insurance, car 8 years old: from S$816.96
For context, Category A closed at S$132,004 and Category B at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Suzuki SE416 JLX
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Suzuki SE416 JLX 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.