Compare the top car insurance providers in Malaysia — see cover, features and typical rates side by side.
19 live offers compared from 16 providers, from RM650 /tahun. Updated daily.
RM650 /tahun
Insurans motor dalam talian Etiqa dengan sebut harga dan polisi segera — Takaful terbesar di MY.
RM650 /tahun
Takaful motor patuh syariah dengan harga yang kompetitif dan pendekatan tuntutan beretika.
RM650 /tahun
Pengendali takaful perintis Malaysia yang menawarkan takaful motor dengan perkongsian dividen.
RM700 /tahun
Motor komprehensif Berjaya Sompo dengan pilihan lebihan fleksibel dan tuntutan pantas.
RM700 /tahun
SmartDrive berasaskan telematik Lonpac memberi ganjaran kepada pemandu yang selamat dengan diskaun premium.
RM700 /tahun
MyCar Tokio Marine yang komprehensif dengan bantuan tunda 24 jam.
RM750 /tahun
Pelan Oto MSIG dengan pilihan nilai yang dipersetujui dan tambahan perlindungan bahaya khas.
RM750 /tahun
Cabang insurans motor RHB Bank — perlindungan komprehensif dengan polisi segera dalam talian.
RM750 /tahun
Takaful motor AIA dengan perlindungan patuh Syariah dan tuntutan bengkel tanpa tunai.
RM780 /tahun
Insurans motor komprehensif Liberty dengan penggantian baharu untuk lama pada tahun pertama.
RM800 /tahun
Insurans motor Great Eastern dengan perlindungan semua pemandu dan sokongan tuntutan 24 jam.
RM800 /tahun
Insurans kereta komprehensif Allianz dengan penarafan kepuasan tuntutan tertinggi di Malaysia.
RM800 /tahun
Insurans motor komprehensif Zurich dengan bantuan tepi jalan dan perlindungan cermin depan.
RM900 /tahun
Motor komprehensif AIG Malaysia dengan bantuan kecemasan global 24 jam.
RM1100 /tahun
RM1200 /tahun
RM1300 /tahun
RM1600 /tahun
RM1800 /tahun
Car insurance (motor insurance) covers financial loss from accidents, theft, fire and third-party claims involving your vehicle. In Malaysia at least third-party motor cover is compulsory by law to drive, while comprehensive cover adds protection for your own vehicle. Both conventional motor insurance and motor takaful are available. Cover is usually renewed annually alongside your road tax, and pricing has been liberalised so insurers can compete on premiums within regulatory limits.
Motor insurance is sold by general insurers and takaful operators, and is required to renew road tax each year. Three tiers exist: third-party only (the legal minimum), third-party fire and theft, and comprehensive. Since tariff liberalisation, insurers price comprehensive and third-party fire and theft premiums based on risk factors, though the base third-party tariff remains referenced by the Persatuan Insurans Am Malaysia (PIAM) framework. Your No-Claim Discount (NCD) significantly reduces premiums after claim-free years.
Legal compliance — At least third-party cover is mandatory to drive and to renew your road tax.
Own-vehicle protection — Comprehensive cover pays to repair or replace your car after an accident, theft or fire.
No-Claim Discount — Claim-free years earn an NCD that steeply cuts your renewal premium, up to 55%.
Takaful option — Motor takaful offers Shariah-compliant protection with equivalent cover tiers.
Decide between third-party, third-party fire and theft, or comprehensive based on your car's value and your risk appetite. Set the sum insured to your car's market or agreed value to avoid over- or under-insurance. Compare premiums across insurers now that pricing is liberalised, factor in your NCD, and check add-ons like windscreen cover, flood, named-driver terms and towing. Confirm the claims and workshop panel process.
Allianz Malaysia, MSIG Malaysia, AIG Malaysia, Liberty Insurance Malaysia, Berjaya Sompo Insurance and Great Eastern Malaysia are major motor insurers. Etiqa Insurance and Takaful is a market leader offering both conventional and takaful motor cover, and Maybank distributes motor insurance to its customers. Many now offer online renewal and instant quotes, so compare premiums and add-ons directly.
Comprehensive premiums typically range from around RM650 to RM1,800 a year depending on the car's value, engine capacity, location, driver profile and NCD. Third-party-only cover is much cheaper but leaves your own vehicle unprotected. Beyond the base premium, budget for the 6% government service tax and stamp duty, plus any optional add-ons. A strong NCD from claim-free years can dramatically lower what you pay at renewal.
Motor insurers and takaful operators are licensed and supervised by Bank Negara Malaysia (BNM), with the industry body PIAM setting reference tariffs and standards. Motor cover must be renewed to keep road tax valid under the Road Transport Act 1987. Product disclosure sheets are mandatory, and claims disputes can be escalated to the Ombudsman for Financial Services (OFS).
Is car insurance compulsory? Yes, at least third-party motor insurance is required by law to drive and to renew your road tax each year.
What is No-Claim Discount? NCD is a premium discount earned for each claim-free year, rising up to 55%, and it transfers with you between insurers.
What is the difference between market and agreed value? Market value pays the car's depreciated worth at claim time, while agreed value fixes the sum insured upfront, often at a slightly higher premium.
The cheapest Car Insurance in Malaysia is RM650 /year from Etiqa Insurance & Takaful.
Giraffy tracks 5 car insurance products across Etiqa Insurance & Takaful,Takaful Ikhlas,Syarikat Takaful Malaysia,Berjaya Sompo Insurance,Lonpac Insurance insurers in Malaysia. The lowest tracked price is RM650 /year. Your individual premium depends on your vehicle, driving history, and location — comparing quotes regularly is the most effective way to cut costs.
Third-party cover is the minimum legal requirement in most markets — it pays for damage you cause to other vehicles and people but not your own car. Comprehensive cover includes damage to your own vehicle regardless of fault — and is often only marginally more expensive than third-party cover.
Key factors include: age and driving experience, claims history and no-claims bonus, vehicle make, model, and engine size, annual mileage, where you park overnight, postcode, and whether you add named drivers. Younger drivers typically pay more due to statistically higher accident rates.
The excess is the amount you contribute towards a claim before the insurer pays the rest. There's usually a compulsory excess (set by the insurer) and a voluntary excess (you choose). Raising your voluntary excess lowers your premium — but make sure you could comfortably pay it if you needed to claim.
An NCB (or no-claims discount) rewards claim-free years with lower premiums — typically 10–15% discount per year, up to around 60–70% after 5+ years. You can protect your NCB with an add-on that allows 1–2 at-fault claims without losing your discount. Check if your NCB is transferable when switching insurers.
Adding an experienced driver with a clean record can sometimes reduce premiums. However, adding a young or inexperienced driver almost always increases costs. 'Fronting' — where a parent is listed as the main driver to reduce a young driver's premium — is illegal and can void a policy.
Yes — temporary car insurance is available from specialist providers for short periods. It's useful for driving a car you don't own, sharing driving on a long trip, or covering a car you're selling. These policies don't affect the main policy holder's no-claims bonus.