The Toyota Crown Royal is no longer on the new-car list, so most buyers will meet it as a used car. That makes running costs the main question. This piece takes each cost in turn: COE, road tax, insurance, and the items that depend on you.
The insurance figures are examples for one stated driver, read on 20 October 2026. They show where the costs sit. Your own premium will depend on your details.
Versions you will find
The new-car list has no entry for the Crown Royal on sale now, so there is no list price to give. Our quote form carries two versions:
- Crown Royal: 1,896cc
- Crown Royal 3.0: 2,995cc
Most insurers on our panel quote the 1,896cc version. The figures that follow are for that one, unless a section says otherwise.
The COE category
With a 1,896cc engine, above 1,600cc, the Crown Royal needs a Category B COE. In the October 2026 1st round, Category B closed at S$130,100.
For a used car, the COE is already paid and runs out on a set date. Check how many years are left on it, because that shapes what the car is worth to you and how long you can keep it on the road. The COE page shows the latest bidding results.
What road tax comes to
Road tax follows engine size. For the 1,896cc Crown Royal, LTA's formula gives S$1,090.10 a year, before any age surcharge.
This matters more on an older model. The surcharge starts once a car is over 10 years old:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The 3.0 version has a much bigger engine, so its road tax is higher. The road tax page covers other engine sizes.
Insuring it: the example driver
The Toyota Crown Royal price page prices this one case:
- Car: Crown Royal 1,896cc, 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
For that case, 9 insurers give a price. The lowest is S$742.90 a year. The insurer whose lowest plan is dearest asks at least S$1,622.76, which is S$879.86 more, or 118% on top. All figures include 9% GST.
So the same car and driver can cost more than double from one insurer to the next. Seven insurers on our panel have no online price for this model, which is one more reason to look at all the quotes you can get.
Excess to check
The excess is what you pay yourself on each claim. On this page it runs from S$0 to S$800, with S$600 the most common figure. Set it beside the premium before you choose, since the two often pull in opposite directions.
What moves the premium
The price page changes one thing at a time and shows the new lowest price:
- No NCD (0%): S$1,232.11, S$489.21 more
- 20% NCD: S$1,232.11, S$489.21 more
- Driver aged 27, 3 years of driving, 30% NCD: S$1,232.11, S$489.21 more
- Driver aged 65, 20 or more years of driving: S$742.90, the same
- A new car, registered this year: S$764.82, S$21.92 more
- A car 8 years old: S$666.79, S$76.11 less
For this model, the NCD weighs heavily. Without it, the lowest price is 66% more. A driver of 65 pays the same as the driver of 40. An older car costs a little less to insure at the lowest price. Keep in mind these are lowest prices only, and other plans may shift by more or less.
Beside comparable cars
The price page lines up six cars with engines of a similar size, for the same driver and car age:
- Mercedes-Benz E-Class: S$861.03
- BMW 5 Series: S$861.03
- Lexus NX: S$972.39
- Lexus RX: S$972.39
- Mercedes-Benz GLC: S$925.60
- BMW 3 Series: S$1,009.11
Their average lowest price is S$933.59. At S$742.90, the Crown Royal sits 20% below that average, and none of the six is cheaper to insure. Other models from the same maker are on the Toyota car insurance page.
The costs that are down to you
Several costs depend on the owner, so there is no single figure to give.
- Parking: season parking at home, plus what you pay at work, malls and on the street. Find out your own HDB or condo rate first.
- Petrol: tied to your mileage and the pump price.
- ERP: depends on which roads you take and when.
- Servicing and repairs: on a car that is no longer sold new, ask about its service history and parts. Tyres, brakes and batteries need replacing over time.
- Depreciation: what you lose depends on what you pay, the COE years left and what the car fetches when you sell.
Yearly costs at a glance
For the Crown Royal 1,896cc, with dates as shown:
- Road tax: S$1,090.10 a year, before any age surcharge (LTA's formula, checked 2026-10-19)
- Insurance, example driver: from S$742.90 a year (20 October 2026)
- Insurance, no NCD: from S$1,232.11
- Insurance, a car 8 years old: from S$666.79
For a new COE, the Category B figure in the October 2026 1st round was S$130,100.
Before you buy: car insurance for the Toyota Crown Royal
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Toyota Crown Royal 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.