{"id":37239,"date":"2023-05-11T14:00:52","date_gmt":"2023-05-11T06:00:52","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=37239"},"modified":"2025-09-17T13:13:56","modified_gmt":"2025-09-17T05:13:56","slug":"car-insurance-prices-in-malaysia-types-and-factors-that-affect-it","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it","title":{"rendered":"Car Insurance Prices in Malaysia: Types and Factors That Affects It"},"content":{"rendered":"\n<p>Attention all car owners! Are you aware of the importance of having <a href=\"https:\/\/bjak.my\/blog\/car-insurance-stolen-vehicle\/\">car insurance<\/a>? It&#8217;s not just a legal requirement, but it&#8217;s also essential in protecting your finances in the event of an accident. But with so many types and factors that affect car insurance prices in Malaysia, how do you know which one is right for you? Don&#8217;t worry, we&#8217;ve got you covered! <strong>&nbsp;<\/strong>So<strong>,<\/strong> buckle up and get ready to learn everything you need to know!<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7b73c922b4\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7b73c922b4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#What_is_Car_Insurance\" title=\"What is Car Insurance?\">What is Car Insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Importance_of_Car_Insurance\" title=\"Importance of Car Insurance\">Importance of Car Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Types_of_Car_Insurance_in_Malaysia\" title=\"Types of Car Insurance in Malaysia\">Types of Car Insurance in Malaysia<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Third-Party_Insurance\" title=\"Third-Party Insurance\">Third-Party Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Third_Party_Fire_and_Theft_Insurance\" title=\"Third Party, Fire and Theft Insurance\">Third Party, Fire and Theft Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Comprehensive_Insurance\" title=\"Comprehensive Insurance\">Comprehensive Insurance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Car_Insurance_Prices_in_Malaysia\" title=\"Car Insurance Prices in Malaysia\">Car Insurance Prices in Malaysia<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Types_of_Insurance_Additional_Coverage\" title=\"Types of Insurance, Additional Coverage\">Types of Insurance, Additional Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#No_Claim_Discount_NCD\" title=\"No Claim Discount (NCD)\">No Claim Discount (NCD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Current_Market_Value_of_the_Car\" title=\"Current Market Value of the Car\">Current Market Value of the Car<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Manufacturing_Year\" title=\"Manufacturing Year\">Manufacturing Year<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Location\" title=\"Location\">Location<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\/#Engine_Capacity\" title=\"Engine Capacity\">Engine Capacity<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Car_Insurance\"><\/span>What is Car Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance is a compulsory protection that vehicle owners must have. Besides that, the law requires you to have at least Third-Party Insurance to use the vehicle on the road. Car insurance plays an important role in bearing the expenditure that may come from various risks such as damage, theft, and fire. In addition, it provides financial protection against damage caused by accidents and injuries that may occur due to road accidents.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Importance_of_Car_Insurance\"><\/span>Importance of Car Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Car insurance is vital for vehicle owners as it provides financial protection in case of any damages caused by accidents. If an accident occurs after the insurance has expired, the cost of repair will be the responsibility of the car owner, which can be expensive. Furthermore, car insurance protects against third-party claims for harm caused by the vehicle owner.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Types_of_Car_Insurance_in_Malaysia\"><\/span>Types of Car Insurance in Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are three types of car insurance available in Malaysia, varying from basic protection to comprehensive coverage. Each type of insurance provides different forms of protection, subject to differing terms and conditions depending on the respective insurance companies.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Third-Party_Insurance\"><\/span><strong>Third-Party Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>In Malaysia, it is mandatory for every motor vehicle to have at least the most basic coverage of Third -Party Insurance to be allowed on the road. This type of insurance provides coverage for damages caused by your vehicle to a third party&#8217;s vehicle or property in the event of an accident. The term &#8220;Third Party&#8221; in this context refers to the other car owner involved in the accident. Additionally, if you cause injury or death to a third party, this <a href=\"https:\/\/bjak.my\/blog\/is-it-safe-to-purchase-car-insurance-policy-online\/\">car insurance policy<\/a> can protect you.<\/p>\n\n\n\n<p>However, note that Third Party Insurance offers limited coverage as it cannot cover damages to your own vehicle and only applies to third-party claims. Therefore, the cost of Third-Party car insurance is usually lower than that of other insurance policies. It is important to carefully consider your needs and budget before selecting the appropriate insurance coverage.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Third_Party_Fire_and_Theft_Insurance\"><\/span><strong>Third Party, Fire and Theft Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Similar to Third-Party Insurance, this policy also offers coverage against claims made by third parties due to accidents caused by your vehicle, such as injury, death, damage or loss to third-party property. Furthermore, this policy provides additional coverage for your vehicle in the event of damage caused by theft or fire.<\/p>\n\n\n\n<p>Apart from the basic coverage mentioned earlier, you can also make a claim if your car has been vandalized or if there was an attempted break-in that resulted in damage to your car, such as a broken window or damaged car door. Similarly, if your car catches fire due to damage caused by an accident, this policy will also cover the cost of repair or replacement.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Comprehensive_Insurance\"><\/span><strong>Comprehensive Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The Comprehensive Insurance policy is an all-encompassing type of car insurance. It provides a broader range of coverage than Third Party Insurance and Third-Party Insurance, Fire and Theft. <a href=\"https:\/\/bjak.my\/blog\/comprehensive-insurance-misunderstandings\/\">Comprehensive Insurance<\/a> also includes coverage on the policyholder&#8217;s own vehicle as well. This means you&#8217;re covered for both third-party liability and loss\/injury to your vehicle from an accident.<\/p>\n\n\n\n<p>In Malaysia, car buyers who purchase through financial financing or car loans must have comprehensive car insurance. The reason for this is that comprehensive insurance policies offer more extensive coverage than other insurance types. In addition, it helps to minimize the potential high repair costs that may arise in the event of an accident.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Car_Insurance_Prices_in_Malaysia\"><\/span>Car Insurance Prices in Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The cost of car insurance can vary each year depending on the current market value of your vehicle. There are six primary factors that typically influence the price of car insurance:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Types_of_Insurance_Additional_Coverage\"><\/span><strong>Types of Insurance, Additional Coverage<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The choice of vehicle insurance and the inclusion of additional coverage can also impact insurance prices. For instance, Comprehensive Insurance is usually available at a higher cost compared to Third Party Insurance.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"No_Claim_Discount_NCD\"><\/span><strong>No Claim Discount (NCD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Vehicle owners who have not made any insurance claims by maintaining a claim-free record in the past 12 months can earn discounts ranging from 25-55% on their premium payable. This discount can help car owners reduce their insurance costs during the renewal process.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Current_Market_Value_of_the_Car\"><\/span><strong>Current Market Value of the Car<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The market value or rate of depreciation of the car can also influence the overall cost of car insurance. In general, the car insurance price is lower for cars with a lower market value.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Manufacturing_Year\"><\/span><strong>Manufacturing Year<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Car insurance premiums are also linked to the year of the car&#8217;s manufacture. Typically, insurance rates for a 2016 Proton Persona are lower compared to the premiums for a 2023 model of the same vehicle.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Location\"><\/span><strong>Location<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generally, car insurance premiums are higher in Peninsular Malaysia than in Sabah and Sarawak. This is due to the perceived higher risk analysis in Peninsular Malaysia, which has rough roads and terrains.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Engine_Capacity\"><\/span><strong>Engine Capacity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This means that higher engine capacity cars will have more expensive insurance prices. For instance, the insurance price for a Perodua Bezza with a 1.0 cc engine is generally lower than that of a Perodua Myvi with a 1.5 cc engine.<\/p>\n\n\n\n<p>Whether you&#8217;re a new driver or a seasoned road warrior, always remember that car insurance is not just a formality but a necessary safeguard. We hope you now understand the types and factors that may affect car insurance prices in Malaysia. It can save you from hefty expenses and potential legal complications. Don&#8217;t let unexpected accidents and damages catch you off guard &#8211; invest in the right car insurance policy today.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em data-l-s=\"67471\"><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison sites, with more than 10 insurance brands to choose from. Get your <a href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=\" target=\"_blank\" rel=\"noreferrer noopener\">free insurance quote<\/a> at Bjak today!<\/em><\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get A Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Read more:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/cheap-car-insurance-heres-how-you-get-can-one\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cheap Car Insurance: Here\u2019s How You Get Can One<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/renew-car-insurance-offline-vs-online\/\">Renew Car Insurance: Offline vs Online<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/car-insurance-for-new-drivers-what-should-you-look-for\/\">Car Insurance for New Drivers: What Should You Look For?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Discover the different types of car insurance in Malaysia and factors that may affect its price. Don&#8217;t hit the road without reading this!<\/p>\n","protected":false},"author":20,"featured_media":37566,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Car Insurance Prices in Malaysia: Types and Factors That Affects It<\/title>\n<meta name=\"description\" content=\"Discover more about car insurance prices in Malaysia by understanding types and factors that may affect its price.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Insurance Prices in Malaysia: Types and Factors That Affects It\" \/>\n<meta property=\"og:description\" content=\"Discover more about car insurance prices in Malaysia by understanding types and factors that may affect its price.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-prices-in-malaysia-types-and-factors-that-affect-it\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2023-05-11T06:00:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-17T05:13:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/05\/photo1683780191-1.jpeg?fit=1280%2C809&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"809\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Waydi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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