The new-car list read on 2026-10-10 had no Toyota Wish on sale. So if you want one, you are buying used. That changes which costs matter most. The age of the car, the COE left on it and the road tax surcharge all come into play.
This guide takes you through them step by step, then ends with a checklist. Insurance figures are examples for one stated driver, read on 20 October 2026. They are not your quote.
Step 1: know which Wish you are looking at
Our quote form lists five versions of the Wish:
- WISH 1.8 CVT: 1,798cc
- Wish 1.8 X: 1,794cc
- Wish 2.0 Auto: 1,987cc
- Wish 2.0 Deluxe: 1,987cc
- Wish 2.0 G: 1,998cc
The insurance and road tax figures below are for the WISH 1.8 CVT (1,798cc). That is the version most of our insurers price. Check the exact version on the car's papers, because engine size sets road tax.
Step 2: check the COE
The price page's COE section says the WISH 1.8 CVT, with a 1,798cc engine above 1,600cc, needs a Category B COE. Category B closed at S$130,100 in the October 2026 1st round.
That figure is what a new car bid for in that round. A used Wish carries the COE it was registered with. What matters to you is how many years are left on it. When a COE runs out, the owner must renew it or deregister the car. The COE page has the latest results.
Step 3: work out the road tax
For the 1,798cc engine, LTA's formula gives S$975.16 a year, before any age surcharge. It was checked on 2026-10-19.
On a used car, the surcharge can matter a lot:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The 2.0 versions have larger engines and pay more. The road tax page gives the sum for each size.
Step 4: price the insurance
The Toyota Wish price page prices one case:
- Car: WISH 1.8 CVT, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 to 19 years
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no add-ons
15 insurers price it. The lowest premium is S$721.59. The insurer whose lowest plan is dearest asks at least S$1,506.70. That is S$785.11 more, or 109% on top. Prices include 9% GST.
Older cars
For a used buyer, the age lines are the useful ones:
- A car 8 years old: S$660.69, S$60.90 less
- A car 3 years old: S$721.59, the page's standard case
- A new car, registered this year: S$742.90, S$21.31 more
An older Wish costs less to insure at the lowest price. But some insurers stop pricing cars online past a certain age. Check how many still quote the year you are looking at.
Drivers
The lowest price with the driver changed:
- No NCD (0%): S$989.59, S$268 more
- 20% NCD: S$989.59, S$268 more
- Driver aged 27, 3 years' driving, 30% NCD: S$989.59, S$268 more
- Driver aged 65, 20 or more years' driving: S$721.59, the same
Losing the NCD adds 37% to the lowest price. That is the biggest change on the page. The older driver pays no more.
These are lowest prices only. Other plans can move by more or less.
The excess
Excesses on this page run from S$0 to S$3,000. The second-lowest premium, S$857.09, carries a S$2,500 excess. Most plans sit at S$500, S$600, S$750 or S$800. Weigh the excess against the premium.
Step 5: compare with similar cars
For the same driver and car age, the price page lists six similar cars:
- Lexus NX: S$972.39
- Mercedes-Benz E-Class: S$861.03
- BMW 5 Series: S$861.03
- Hyundai Kona: S$721.59
- Kia Cerato: S$660.69
- Hyundai Avante: S$622.34
They average S$783.18. The Wish is 8% below it. Two of them are cheaper to insure, and the Kona matches it. Other Toyota models are on the Toyota car insurance page.
Before you pay a deposit
- COE expiry date: confirm the years left and what renewal would involve.
- Registration date: it sets the road tax surcharge and the insurance age.
- Engine size: confirm the version, since 1.8 and 2.0 pay different road tax.
- Loan status: make sure there is no loan still owed on the car.
- Service records: ask for the history and check it against the maker's schedule.
- Inspection: have the car checked by a workshop you choose before you commit.
- Insurance quote: price the exact car and year before you pay anything.
- Your NCD: get proof of your NCD from your current insurer.
Costs that depend on you
- Parking: HDB or condo season parking, plus parking at work and in town.
- Petrol: depends on your distance and the pump price.
- ERP: depends on routes and timing.
- Repairs: an older car may need tyres, brakes, a battery and other parts over time.
- Depreciation: on a used car, it turns on what you pay and the COE years left.
Summary of yearly costs we can show
For the WISH 1.8 CVT, dated as shown:
- Road tax: S$975.16 a year, before any age surcharge (checked 2026-10-19)
- Insurance, standard driver: from S$721.59 a year (20 October 2026)
- Insurance, a car 8 years old: from S$660.69
- Insurance, no NCD: from S$989.59
For reference, a Category B COE closed at S$130,100 in the October 2026 1st round.
Before you buy: car insurance for the Toyota Wish
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Toyota Wish 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.