What’s the Real Cost of Renewing Car Insurance & Road Tax in Malaysia?

by tariqsiregar@bjak.my
July 15, 2025July 15, 2025

What’s the Real Cost of Renewing Car Insurance & Road Tax in Malaysia?

Many car owners only look at the final price when renewing insurance and road tax — but the total cost actually includes several components. This guide breaks it all down for you, along with tips to save money and time.

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Key Cost Components

Key Cost Components
Component
Description
Estimated Cost (RM)
Car Insurance
Mandatory before road tax renewal. The cost depends on your car’s value and type of coverage.
400 – 2,000+
Road Tax (JPJ)
Set by the government based on engine capacity (cc).
20 – 2,100
SST (6%)
6% service tax applied to insurance premium.
24 – 120+
Delivery Fee (if applicable)
For road tax delivery to your home (free on certain platforms).
0 – 10
Stamp Duty
Standard charge for the insurance policy.
10 — notice: These are rough estimates and can vary by vehicle type, insurance provider, and coverage options.

Sample Cost by Vehicle Type

Sample Cost by Vehicle Type
Vehicle Type
Estimated Insurance (Comprehensive)
Road Tax (Peninsular Malaysia)
Total (Without Installments)
Perodua Myvi (1.3L)
RM 500 – RM 800
RM 70
RM 580 – RM 880
Proton X70 (1.8L Turbo)
RM 1,200 – RM 1,800
RM 280
RM 1,490 – RM 2,090
Toyota Hilux (2.4L)
RM 1,500 – RM 2,200
RM 870
RM 2,380 – RM 3,080
Honda City (1.5L)
RM 700 – RM 1,100
RM 90
RM 800 – RM 1,200

Factors That Affect the Price

Vehicle age & market value
No Claim Discount (NCD) entitlement
Type of coverage (Comprehensive vs Third-Party)
Add-ons like flood, windscreen, or special perils
Platform used – some online platforms offer exclusive discounts or bundled services

How to Save on Insurance & Road Tax

How to Save on Insurance & Road Tax
Money-Saving Tip
Details
Compare Insurance Plans
Use online platforms to compare multiple insurers at once.
Use Your NCD
Don’t forget your No Claim Discount if you haven’t made a claim recently.
Opt for Installment Plans (EPP/BNPL)
Some platforms let you split payments with no interest.
Use All-in-One Services
Choose platforms that offer insurance, road tax renewal, and free delivery in one place.
Avoid Agent Markups
Online renewals are usually cheaper than going through traditional agents.

Final Thoughts

The real cost of renewing car insurance and road tax in Malaysia depends not just on the vehicle, but also on how and where you renew.

Many drivers today are turning to digital platforms that:

Offer insurance comparison tools
Provide installment payment options
Deliver road tax stickers directly to your door
Include extra services like roadside assist or claims support

If you’re looking for convenience and better value, this route might be worth exploring.

Get Your Free Quotation

Read more:

What Happens If You Miss Renewing Your Roadtax? Risks and How to Fix It

Useful Apps for Drivers in Malaysia

How to Use the MyJPJ App to Check Roadtax, Driving Licence & Summons

Tags:EN Insurance roadtax

Bjak Sdn Bhd ("BJAK") is the leading online vehicle insurance agency in Malaysia and a Flagship MSC Status Company. BJAK builds, operates and owns the platform to deliver services from various insurance companies to Malaysian citizens and businesses.

Our platform offers insurance products, which users can request for quotes online based on their needs and make payment directly on our platform. We strive to continuously improve our platform to simplify the online insurance purchase experience. Users can choose, compare, customize their insurance products all within 5 minutes!