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Car Insurance Estimator
Budget your renewal before the quotes arrive — the classic Malaysian tariff baseline from your car value, engine capacity and NCD, with the full NCD ladder up to 55%.
RM 634.05
Est. yearly premium
RM 52.84
Per month
RM 1,409.00
Before NCD
RM 774.95
NCD 55% saves
How it's built
RM265.00 first RM1,000 (1401–1650 cc) + 44 × RM26.00 per RM1,000 above = RM 1,409.00 · less 55% NCD = RM 634.05
Baseline: the classic motor tariff schedule. Malaysia has been detariffed since 2017, so insurers price around this — real quotes move with driver profile, model and telco/agent. Excludes SST, stamp duty, windscreen/flood add-ons. EVs and hybrids are priced case-by-case by insurers — bring your specific model to us for a quote.
Good to know
- This uses the classic motor tariff schedule (the 16 Jan 2012 baseline rate per cc band + RM26 per RM1,000 of sum insured). Malaysia has been detariffed since 2017 — insurers price above and below it, so treat this as a budgeting baseline, not a quote.
- NCD (no-claims discount) builds at 25 / 30 / 38.33 / 45% after 1–4 claim-free years, capped at 55% after five.
- Excludes SST, stamp duty and add-ons like windscreen or flood cover. Sabah & Sarawak and Labuan rates differ slightly.
- Covering an EV or hybrid? Insurers price those case-by-case — bring the model to us and we'll line up real quotes.