Car Insurance Calculator Malaysia
Estimate your annual car insurance premium based on your car value, coverage, location, engine capacity and NCD.How It WorksBJAK insurance calculator provides an estimated premium based on your vehicle details. This is a preliminary estimate and may vary. For an accurate quote tailored to your needs, click here to get quote for free.
Calculate Your Premium
How does the calculator calculate the premium?
Five inputs, and nothing else. Each one is a figure the Motor Tariff prices on, which is why the estimate can be produced without knowing anything about you.
Market value
What the car is worth today, which is the amount it would be insured for. It is the largest driver of a comprehensive premium: the insurer is pricing the risk of paying that amount out. Market value falls every year as the car ages, which is why a renewal quote usually drops even when nothing else changes. See sum insured and market value versus agreed value.Coverage type
Comprehensive covers damage to your own car as well as your liability to other people. Third party covers only the harm you cause to others, so it is priced from engine capacity rather than from your car's value, which is why the two estimates are so far apart.Where the car is registered
Peninsular Malaysia and Sabah, Sarawak and Labuan are rated separately. Pick the region the vehicle is registered in, not where you happen to be driving it this week.Engine capacity
Cubic capacity in cc, taken in bands. It decides the third-party portion of the premium, so it matters most on a third-party policy and least on a comprehensive one for an expensive car.No-Claim Discount
Your claim-free record, as a percentage off the basic premium. It runs from nothing to 55% and is the one input where a year of careful driving is worth more than any amount of shopping around.
How accurate is this calculator?
Treat both figures as a budget rather than a price. Bank Negara Malaysia liberalised Motor Comprehensive and Motor Third Party Fire and Theft pricing on 1 July 2017, so each insurer now prices its own view of risk: your age, claims history, occupation, postcode and how the car is used. None of that is asked for here, and this estimate does not reproduce any individual insurer's rates.
Optional covers not included in the estimate
The calculator estimates the basic premium for your selected cover. Optional covers such as flood protection, windscreen cover, strike and riot cover, and legal liability for passengers are not included. The rates below are published in the Zurich Z-Driver Product Disclosure Sheet dated 15 November 2025. Tick the covers you would take to see what they add to a policy.
Sum insuredRM 50,000.00Priced on a sample car. Use the calculator above to price your own.
Added to the basic premiumSelect a cover to price it.
If you choose only one optional cover, consider special perils. Insurers may stop accepting new special perils cover when a flood or other natural disaster is forecast.
How the No-Claim Discount changes the price
NCD is the largest single discount on a Malaysian car policy and the one part of the price that is the same wherever you buy. It is earned by completing claim-free years and it applies to the basic premium, not to add-ons.
| Claim Free Year of Insurance | NCD Entitlement |
|---|---|
| No claim free year yet | 0% |
| After 1 continuous claim free year | 25% |
| After 2 continuous claim free years | 30% |
| After 3 continuous claim free years | 38.33% |
| After 4 continuous claim free years | 45% |
| After 5 continuous claim free year and beyond | 55% (maximum) |
Check your NCD before you use the calculator
Guessing is the most common reason an estimate comes back wrong. Your NCD is held centrally against the vehicle, and a second car starts at 0% even if your first has reached 55%.Worked examples
Each row below was produced by this calculator, from the inputs shown beside it. They are illustrations of how the inputs move the figure, not market averages, and not what any particular driver pays.
Select any row to compare the rest against it. The figure beside each premium is the difference a year.
Priced by this calculator on 20 Sept 2026.Methodology
The figure is produced by BJAK's own premium calculation, using only the five inputs on this page. Nothing is submitted to an insurer and no vehicle or identity lookup is performed. It covers the basic annual premium for the cover selected; add-ons are priced separately.Motor Comprehensive and Motor TPFT pricing was liberalised on 1 July 2017, so insurers set their own prices for those covers. Motor Third Party rates remain tariffed, though this calculator does not apply that tariff. The NCD scale used here is the Motor Tariff scale, applied identically by every insurer and takaful operator.
- Last reviewed:
Car insurance calculator FAQ
It is an estimate, not a quote. It prices the basic annual premium from market value, coverage type, region, engine capacity and NCD. An insurer's price also reflects its own risk factors and any add-ons you take, so the two will rarely match to the ringgit. Run a quote if you need the real figure.
No. The calculator is free, needs no account, and takes no registration number, IC or phone number. Nothing you enter here is sent to an insurer.
Enter an approximate figure to see the shape of the answer, then run a quote: BJAK looks the vehicle up from its registration number and the insurer's valuation replaces your estimate.
It rises with each completed claim-free year and tops out at 55% after five. The scale is set by the Motor Tariff, so it is identical at every insurer and takaful operator. See the table on this page, or check your current entitlement with the NCD checker.
Usually one of three things: add-ons are included in the quote but not in the estimate, the insurer valued the car higher than the market value you typed, or the insurer's own risk pricing applies. Comparing quotes across insurers is the way to see which of the three it is.
No. This calculator and the NCD scale on this page are for private cars. Motorcycle premiums and the motorcycle NCD scale are different.
Neither. The figure is the basic premium for the cover you selected. Every motor policy then adds 8% service tax and RM10 stamp duty, and any add-ons you take are priced on top of that.
No. Liberalised pricing lets an insurer go below a generic estimate, and a good claims record or a low-risk profile is exactly when that happens. See how quotes are compared fairly.
No, it only produces an estimate. Get a real quote to buy, which prices up to 16 insurers against your actual vehicle and can settle road tax in the same payment.
More on car insurance pricing
This page prices five inputs. Everything that sits outside them (the cover types, the add-ons, and what an insurer does with the figure once you ask for a real quote) is explained on the pages below.
Read about the cover you are pricing
The estimate prices a cover type and nothing else. These guides explain what each one actually pays for, and what the add-ons above cost you to include.- Comprehensive Car InsuranceComprehensive - first party, full cover - is the policy most Malaysian drivers hold and the only one that pays for your own car after an accident. It is also the only base cover that accepts the add-ons that matter: flood, windscreen, all drivers. This page explains what the word means on your policy, what is and isn't inside it, how the premium is built, and how the comprehensive plans of BJAK's 16 partners actually differ.
- Third Party, Fire & Theft (TPFT) Car InsuranceThird Party, Fire & Theft - TPFT - sits between the two covers most people know. It keeps the two losses that can wipe out an older car's value, theft and fire, and drops the one you can budget for: accident repair. This page explains what TPFT insurance means in practice, what it costs relative to the covers either side of it, and the specific kind of car and owner it was designed for.
- Third Party Car Insurance in MalaysiaThird party car insurance is the cheapest cover an insurer will issue, and the most misunderstood. It pays for the people you injure and the property you damage - with an unlimited limit for death and bodily injury and RM3 million for property in most partner policies - and pays nothing, in any circumstance, for your own car. This page explains exactly what that means, what it costs relative to comprehensive, and the narrow case where it is the right choice.
- Windscreen InsuranceA cracked windscreen is the most common claim on a Malaysian car policy - a stone on the highway, a temperature crack in the afternoon sun, a break-in. Without windscreen insurance it is either a bill you pay yourself or an own-damage claim that resets your No Claim Discount. With it, glass sits under its own sum insured and a claim leaves your NCD untouched. This page covers what the add-on costs, exactly how to claim, and which partners make it easier.
- Special Perils in Car InsuranceEvery comprehensive car policy in Malaysia excludes 'convulsions of nature' - flood, storm, typhoon, landslide. Special Perils is the endorsement that removes that exclusion. It is the most valuable add-on on any Malaysian policy and the one most often assumed to be included when it isn't. This page explains what the phrase on your quote means, exactly which events it covers, what it costs on your sum insured, and how it interacts with your NCD.
- All Drivers Car InsuranceIn Malaysia, a standard comprehensive car insurance policy includes a specific condition: if an unnamed driver (someone not explicitly listed on your policy schedule) is involved in an accident while driving your car, you must pay a compulsory excess of RM400 before your claim is processed. The All Drivers add-on waives this compulsory excess, allowing any licensed driver to operate your vehicle with full coverage. While it is one of the most cost-effective add-ons available - and even offered free of charge by select insurers - it is often listed on policy quotes under technical phrasing like "waiver of compulsory excess for unnamed driver." This guide breaks down how the clause works, who needs it, and which insurance providers offer it free of charge.
- EV Car Insurance in MalaysiaAn electric car is insured on the same comprehensive policy as a petrol car - the base cover, excess and NCD rules are identical. What changes is where the money is: a high-voltage battery that can be 30-40% of the car's value, a wall charger at home that no motor or home policy covers by default, and software that alters the car after purchase. This page explains how to insure an EV properly and what it costs.
- Low Mileage Car InsuranceA car that covers 5,000 km a year spends only a third as much time on the road as one driving 15,000 km. Following the 2017 detariffication, Malaysian insurers can price premiums based on actual usage. Two BJAK partner insurers now offer full comprehensive coverage with an annual mileage cap and discounts between 10% and 40%. BJAK features this option as the Low Mileage Saver on eligible plans. This guide explains how these plans work, what happens if you exceed your limit, and how to determine if your driving habits qualify.
Why an estimate and a quote differ
The figure above is produced by BJAK, not by an insurer. These answers cover how quotes are compared, what you are charged and what you will be asked for if you continue.- Why is my price different from my previous renewal notice?Insurers assess risk and pricing differently. Your vehicle, No-Claim Discount, selected coverage, add-ons and current insurer rates can all affect the final premium.
- How are quotes compared fairly?Quotes from BJAK's panel are shown in random order by default. You can sort and filter them by premium, coverage, takaful options, approval availability and other preferences.
- Are there hidden fees?Before payment, you can review the premium, No-Claim Discount, applicable tax, roadtax, optional add-ons and any payment-provider fee. The total is shown before you confirm.
- Does an insurer pay to appear first?Within the comparison panel, an insurer does not receive a higher default position because it pays BJAK more. Customers remain in control of the sorting and filters they use.
- How does BJAK make money?BJAK may receive a commission from the insurer or takaful operator when a policy is purchased through the platform. Any separate instalment-provider fee or optional service charge is shown before payment.
- Why do you need my NRIC and vehicle number?These details are needed to retrieve the correct vehicle information, No-Claim Discount and quotation information. They are also used to verify and process your purchase.
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The rates, scales and regulatory dates on this page can be checked against the documents they came from.