{"id":60733,"date":"2026-07-23T16:40:11","date_gmt":"2026-07-23T08:40:11","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=60733"},"modified":"2026-07-23T16:40:13","modified_gmt":"2026-07-23T08:40:13","slug":"harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026","title":{"rendered":"Harga Road Tax dan Insurans Proton Persona di Malaysia (2026)"},"content":{"rendered":"\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-6a6228bb14cb0\" 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-6a6228bb14cb0\"><\/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\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/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\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Berapakah_Harga_Road_Tax_Proton_Persona\" title=\"Berapakah Harga Road Tax Proton Persona?\">Berapakah Harga Road Tax Proton Persona?<\/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\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Purata_Premium_Insurans_Persona\" title=\"Purata Premium Insurans Persona\">Purata Premium Insurans Persona<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Apa_Yang_Mempengaruhi_Premium_Persona_Anda\" title=\"Apa Yang Mempengaruhi Premium Persona Anda?\">Apa Yang Mempengaruhi Premium Persona Anda?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Pihak_Ketiga_vs_Komprehensif_Pilihan_Terbaik\" title=\"Pihak Ketiga vs Komprehensif: Pilihan Terbaik?\">Pihak Ketiga vs Komprehensif: Pilihan Terbaik?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Contoh_Penjimatan_Hebat_dengan_NCD\" title=\"Contoh Penjimatan Hebat dengan NCD\">Contoh Penjimatan Hebat dengan NCD<\/a><\/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\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Jumlah_Kos_Sekali_Pandang\" title=\"Jumlah Kos Sekali Pandang\">Jumlah Kos Sekali Pandang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Cara_Kurangkan_Harga_Premium_Persona_Anda\" title=\"Cara Kurangkan Harga Premium Persona Anda\">Cara Kurangkan Harga Premium Persona Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Soalan_Lazim_FAQ\" title=\"Soalan Lazim (FAQ)\">Soalan Lazim (FAQ)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Bagaimana_Bjak_Membantu_Anda\" title=\"Bagaimana Bjak Membantu Anda\">Bagaimana Bjak Membantu Anda<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Adakah anda sedang mencari maklumat tepat mengenai <strong>harga road tax dan insurans Proton Persona<\/strong> untuk tahun ini? Jika ya, anda berada di tempat yang betul. Proton Persona sememangnya sebuah sedan B-segment yang sangat praktikal, luas, dan berpatutan.<\/p>\n\n\n\n<p>Oleh itu, mengekalkan status sah jalan rayanya tidak akan membebankan poket anda. Panduan ini akan merungkai kos penuh bagi tahun 2026, termasuk pembetulan fakta mengenai harga road tax yang sebenar. Sebelum anda membuat pembaharuan, anda kini boleh membanding dan renew dalam beberapa minit sahaja di platform Bjak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Berapakah_Harga_Road_Tax_Proton_Persona\"><\/span>Berapakah Harga Road Tax Proton Persona?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ramai pemilik yang keliru dengan kategori cukai enjin 1.6-liter. Secara teknikalnya, Proton Persona menggunakan enjin berkapasiti 1,597cc (1.6L). Oleh sebab kapasitinya berada di bawah paras 1,600cc, ia jatuh dalam kategori &#8220;1,401\u20131,600cc&#8221;, dan bukannya kategori 1,601cc ke atas.<\/p>\n\n\n\n<p>Oleh itu, di Semenanjung Malaysia, road tax untuk Proton Persona adalah pada <strong>kadar tetap RM90 setahun<\/strong> (dan bukannya RM280 seperti yang sering disalah anggap). Bagi Sabah dan Sarawak, kadarnya adalah sedikit berbeza. Sila semak dengan panduan <a href=\"https:\/\/bjak.my\/blog\/cara-semak-harga-roadtax\/\" target=\"_blank\" rel=\"noreferrer noopener\">cara semak harga road tax<\/a> untuk kepastian.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Purata_Premium_Insurans_Persona\"><\/span>Purata Premium Insurans Persona<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Selain road tax, insurans adalah perbelanjaan wajib tahunan yang utama. Pada tahun 2026, dengan anggaran nilai pasaran kereta sekitar RM45,000 hingga RM70,000, premium komprehensif Persona kebiasaannya berada dalam lingkungan <strong>RM1,200 hingga RM2,000 setahun<\/strong>.<\/p>\n\n\n\n<p>Walau bagaimanapun, harga muktamad akan bergantung pada jumlah perlindungan (sum insured) dan profil pemanduan peribadi anda. Sila rujuk <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/cara-kira-premium-insuran-kereta\" target=\"_blank\" rel=\"noreferrer noopener\">cara harga insurans kereta dikira<\/a> untuk pemahaman yang lebih jelas.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Apa_Yang_Mempengaruhi_Premium_Persona_Anda\"><\/span>Apa Yang Mempengaruhi Premium Persona Anda?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Terdapat beberapa faktor penting yang mengubah nilai akhir sebut harga insurans anda. Antaranya ialah:<\/p>\n\n\n\n<ol><li><strong>Jumlah Diinsuranskan (Sum Insured):<\/strong> Kenderaan yang lebih baharu akan mempunyai nilai yang lebih tinggi. Fahami konsep ini melalui <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/market-value-vs-agreed-value\/\" target=\"_blank\" rel=\"noreferrer noopener\">Market Value vs Agreed Value<\/a>.<\/li><li><strong>Kadar NCD:<\/strong> Diskaun tiada tuntutan boleh merendahkan premium asas secara drastik.<\/li><li><strong>Perlindungan Tambahan (Add-on):<\/strong> Memilih perlindungan cermin (windscreen) atau peril khas akan menaikkan harga keseluruhan bil anda.<\/li><\/ol>\n\n\n\n<p>Seterusnya, baca tentang <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/beza-roadtax-dan-insurans-kereta\" target=\"_blank\" rel=\"noreferrer noopener\">beza road tax dan insurans kereta<\/a> agar anda lebih faham bagaimana kos ini diasingkan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Pihak_Ketiga_vs_Komprehensif_Pilihan_Terbaik\"><\/span>Pihak Ketiga vs Komprehensif: Pilihan Terbaik?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Memilih polisi insurans yang betul amat penting untuk melindungi kewangan anda. Mari kita lihat perbandingan ringkas di bawah:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Kriteria<\/th><th>Pihak Ketiga (Third Party)<\/th><th>Komprehensif (First Party)<\/th><\/tr><\/thead><tbody><tr><td><strong>Harga Premium<\/strong><\/td><td>Sangat murah (~RM140\u2013RM180)<\/td><td>Lebih mahal (~RM1,200\u2013RM2,000)<\/td><\/tr><tr><td><strong>Perlindungan Persona Anda<\/strong><\/td><td>Tidak disediakan<\/td><td>Dilindungi sepenuhnya (Termasuk Kemalangan &amp; Kecurian)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Kesimpulannya, memandangkan Persona masih mengekalkan nilai jualan yang baik, <strong>kebanyakan pemilik bijak memilih insurans komprehensif<\/strong> untuk keselamatan dan ketenangan minda jangka panjang.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Contoh_Penjimatan_Hebat_dengan_NCD\"><\/span>Contoh Penjimatan Hebat dengan NCD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tahukah anda, NCD (No Claim Discount) boleh mengurangkan premium kereta anda sehingga 55%? Bagi sedan B-segment seperti Persona, ini adalah penjimatan yang sangat bermakna setiap kali anda memperbaharui polisi.<\/p>\n\n\n\n<p>Sebagai contoh, jika premium asas komprehensif adalah RM1,600, NCD pada kadar penuh 55% akan menurunkannya kepada <strong>kira-kira RM720 sahaja<\/strong>! Anda boleh menyemak kelayakan melalui panduan <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-sistem-ncd-no-claim-discount-berfungsi\/\" target=\"_blank\" rel=\"noreferrer noopener\">bagaimana sistem NCD berfungsi<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Jumlah_Kos_Sekali_Pandang\"><\/span>Jumlah Kos Sekali Pandang<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Perkara<\/th><th>Pihak Ketiga (Third Party)<\/th><th>Komprehensif (First Party)<\/th><\/tr><\/thead><tbody><tr><td><strong>Road tax (1.6L &#8211; 1,597cc)<\/strong><\/td><td>RM 90 \/ tahun<\/td><td>RM 90 \/ tahun<\/td><\/tr><tr><td><strong>Anggaran premium<\/strong><\/td><td>~RM 140 \u2013 RM 180 \/ tahun<\/td><td>~RM 1,200 \u2013 RM 2,000 \/ tahun<\/td><\/tr><tr><td><strong>Lindung kereta sendiri<\/strong><\/td><td>Tidak<\/td><td>Ya<\/td><\/tr><tr><td><strong>Kecurian &amp; kebakaran<\/strong><\/td><td>Tidak<\/td><td>Ya<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Cara_Kurangkan_Harga_Premium_Persona_Anda\"><\/span>Cara Kurangkan Harga Premium Persona Anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Walaupun kos insurans boleh mencecah ribuan ringgit, terdapat cara mudah untuk anda terus berjimat. Ikuti langkah-langkah proaktif ini:<\/p>\n\n\n\n<ul><li><strong>Kekalkan Rekod NCD:<\/strong> Pandu secara berhemah dan elakkan daripada membuat tuntutan kecil yang merugikan.<\/li><li><strong>Pilih Nilai Tepat:<\/strong> Tetapkan sum insured yang tepat untuk mengelak anda membayar lebih (over-insurance).<\/li><li><strong>Bandingkan Sebut Harga:<\/strong> Sentiasa gunakan platform digital untuk melihat harga pasaran sebelum bersetuju dengan harga lama.<\/li><\/ul>\n\n\n\n<p>Dapatkan lebih banyak idea penjimatan melalui <a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/tip-jimat-premium-insurans-kereta\" target=\"_blank\" rel=\"noreferrer noopener\">tips berjimat premium insurans kereta<\/a> yang disediakan secara eksklusif oleh Bjak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Soalan_Lazim_FAQ\"><\/span>Soalan Lazim (FAQ)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul><li><strong>Berapa harga road tax Proton Persona?<\/strong><br>Oleh kerana Proton Persona mempunyai enjin bersesaran 1,597cc (di bawah 1,600cc), kadar road tax adalah ditetapkan pada RM90 setahun di Semenanjung Malaysia, dan bukannya RM280.<\/li><li><strong>Berapa harga insurans Proton Persona?<\/strong><br>Secara purata, harganya sekitar RM1,200 hingga RM2,000 setahun bagi perlindungan komprehensif, bergantung kepada profil pemandu dan tahun buatan.<\/li><li><strong>Patutkah saya pilih pihak ketiga atau komprehensif?<\/strong><br>Polisi komprehensif amat disyorkan kerana ia melindungi Persona anda secara menyeluruh daripada kemalangan, kecurian, dan kebakaran, berbanding pihak ketiga yang hanya melindungi pihak luar.<\/li><li><strong>Adakah NCD mengurangkan harga insurans?<\/strong><br>Ya, sudah tentu! Diskaun ini boleh memotong harga premium sehingga maksimum 55% selepas 5 tahun anda memandu tanpa merekodkan sebarang kemalangan.<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Bagaimana_Bjak_Membantu_Anda\"><\/span>Bagaimana Bjak Membantu Anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Bjak menjadikan proses menginsuranskan Proton Persona anda jauh lebih mudah dan telus. Anda boleh membandingkan sebut harga daripada lebih 10 syarikat insurans terkemuka tempatan, melihat harga dan perlindungan terbaik tanpa perlu menghubungi ejen, dan renew secara online dalam satu masa.<\/p>\n\n\n\n<p>Di samping itu, Bjak juga akan menghantar peringatan renew dan road tax secara percuma melalui e-mel, SMS, dan notifikasi aplikasi. Oleh itu, anda dijamin tidak akan terlepas tarikh tamat tempoh dan tidak akan disaman!<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara tuntasnya, <strong>harga road tax dan insurans Proton Persona<\/strong> adalah sangat berpatutan untuk kelas sedan B-segment. Dengan pelan road tax pada kadar RM90 dan premium komprehensif sekitar RM1,200\u2013RM2,000, anda masih boleh menikmati penjimatan besar jika memanfaatkan kadar NCD anda dengan baik.<\/p>\n\n\n\n<p>Oleh itu, sebelum road tax anda tamat tempoh, pastikan anda membuat perbandingan harga yang bijak. Bandingkan sebut harga terkini dan <strong>renew insurans dalam beberapa minit sahaja di <a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\" target=\"_blank\" rel=\"noreferrer noopener\">Bjak.my<\/a><\/strong> hari ini!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\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-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=harga-road-tax-dan-insurans-proton-persona-di-malaysia-2026\" style=\"background-color:#ffd103\">Dapatkan Sebutharga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p><br>Baca Juga:<br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/insurance-myths-busted-10-things-malaysian-drivers-get-wrong\">Car Insurance Myths Malaysia \u2014 10 Things Drivers Get Wrong<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/proton-s70-road-tax-and-insurance-price-in-malaysia-2026\">Proton S70 Road Tax and Insurance Price in Malaysia (2026)<\/a><br><a href=\"https:\/\/bjak.my\/blog\/car-insurance\/proton-persona-road-tax-and-insurance-price-in-malaysia-2026\">Proton Persona Road Tax and Insurance Price in Malaysia (2026)<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Proton Persona ialah sedan B-segment yang praktikal dan berpatutan. Ini pecahan road tax dan insurans 2026 sebelum anda renew.<\/p>\n","protected":false},"author":39,"featured_media":60735,"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":[350],"tags":[26,243,436],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Harga Road Tax dan Insurans Proton Persona di Malaysia (2026) | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Insurans Kereta | Read about: Harga Road Tax dan Insurans Proton Persona di Malaysia (2026) Harga road tax dan insurans Proton Persona berpatutan untuk sedan B-segment. 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