The Toyota Avensis Wagon is an estate car with a 1.8-litre engine. It is not on the new-car list now, so you would be buying a used one. This page is a practical look at the yearly costs: road tax and insurance, plus the COE rule that sits behind them.
All insurance prices are examples for one stated driver, as of 1 November 2026. They show the spread between insurers, not your own quote.
The version we price
The new-car list has no entry for the Avensis Wagon. There is no list price, power figure or body type from it.
The price page prices the Avensis Wagon 1.8 VVT-i, 1,794cc, the version most of our insurers quote.
Category B, because of engine size
The 1,794cc engine is above 1,600cc. The price page therefore places the Avensis Wagon 1.8 in Category B. That closed at S$131,901 in the October 2026 2nd round.
On a used car, the COE price returns only if you renew. The COE page records each round.
Road tax for 1,794cc
LTA's formula gives S$970.46 a year for this engine, before any age surcharge.
An Avensis Wagon on the road today may already be past 10 years. The surcharge steps are:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
Check the first registration date before you buy. The road tax page works out the total for any age.
What four insurers charge
The Toyota Avensis Wagon price page uses these details:
- Car: Avensis Wagon 1.8 VVT-i, 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 nine plans. The lowest premium is S$763.41 a year. The insurer whose lowest plan costs most asks at least S$1,208.94. That is S$445.53 more, or 58% on top. The dearest plan is S$1,511.18. Prices include 9% GST, and six of the nine are marked as estimates.
Fifteen insurers on our panel have no online price for this car. One does not list the model on its online quote. The others have none for it yet.
The gap and the excess
The lowest premium stands well clear of the rest: the next plan is S$995.59. But the lowest carries a S$1,200 excess. The second carries S$500, and the rest S$500 or S$600.
So the saving on the lowest plan comes with a larger share of any claim. Six plans from two insurers come in matched pairs at the same price, so the real spread is smaller than nine plans suggest.
What happens when one thing changes
The price page shows the lowest price for each case:
- No NCD (0%): S$1,755.85, which is S$992.44 more
- 20% NCD: S$1,282.54, S$519.13 more
- A driver aged 27, 3 years' driving, 30% NCD: S$1,918.05, S$1,154.64 more
- A driver aged 65, 20 years' driving: S$1,089.74, S$326.33 more, with 3 insurers pricing
- A new car, registered this year: S$812.13, S$48.72 more
- A car 8 years old: S$747.16, S$16.25 less
The young driver case costs most, at 151% above the standard driver. Without NCD, the lowest price more than doubles. The older driver also pays a fair bit more, as one insurer drops out and the lowest price moves to another.
Each figure is a lowest price only. The dearer plans may move by different amounts.
Car age barely matters here. A newer car costs a little more to insure and an older one a little less. For a used estate, your own age, driving years and NCD will move the price far more than the car's age.
Compared with similar cars
The price page sets the Avensis Wagon beside six cars, for the same driver and car age:
- Hyundai Kona: S$763.00, 14 insurers
- Mercedes-Benz E-Class: S$857.06, 14 insurers
- BMW 5 Series: S$792.38, 16 insurers
- Hyundai Avante: S$763.00, 15 insurers
- Kia Cerato: S$761.67, 15 insurers
- Lexus NX: S$970.26, 15 insurers
Their average lowest price is S$817.90. The Avensis Wagon is 7% below that. Three of the six are cheaper, though only by small sums. The E-Class, 5 Series and NX cost more.
The Avensis Wagon's figure rests on 4 insurers, against 14 to 16 for each rival. Other Toyota models are on the Toyota car insurance page. The cheapest cars to insure page ranks every make.
Costs only you can judge
These vary from owner to owner:
- Parking: season parking where you live and work, plus short stays.
- Petrol: depends on your distance and the pump price.
- ERP: depends on your routes and timing.
- Maintenance: an older car tends to need more parts in time. Ask a workshop about supply for this model.
- Depreciation: depends on the price you pay and the COE years left.
Summary of yearly costs we can show
For the Toyota Avensis Wagon 1.8 VVT-i, 1,794cc:
- Road tax: S$970.46 a year before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, standard driver: from S$763.41 a year (as of 1 November 2026)
- Insurance, no NCD: from S$1,755.85
- Insurance, driver aged 27 with 30% NCD: from S$1,918.05
- Insurance, car 8 years old: from S$747.16
A Category B COE closed at S$131,901 in the October 2026 2nd round.
Before you buy: car insurance for the Toyota Avensis Wagon
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Toyota Avensis Wagon 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.