The Proton Saga has long been one of the cheapest cars to own in Malaysia, and that includes its yearly road tax and insurance. The all-new Saga launched in November 2025 changes the numbers slightly, because it now uses a 1.5-litre engine instead of the old 1.3-litre unit.
This guide explains the Proton Saga road tax and insurance price in 2026 for both the new model and older Sagas still on the road. It also covers what drives your premium, how No Claim Discount (NCD) works and how to pay less when you renew.
Proton Saga road tax price in 2026
Road tax for a private car in Malaysia is based on engine capacity (cc) and where the car is registered. Horsepower, price and age do not change the amount. The rates below come from the JPJ road tax rate calculation guidelines.
Saga model
Engine
Peninsular Malaysia
Sabah and Sarawak
All-new Saga (launched November 2025)
1.5-litre (1,499cc)
RM90 a year
RM72 a year
Previous Saga (1.3-litre)
1,332cc
RM70 a year
RM56 a year
The new Saga falls in the 1,401cc to 1,600cc band, while the older 1.3-litre Saga sits in the 1,201cc to 1,400cc band. Both bands use a flat rate, so every Saga in the same band pays the same amount.
The all-new Saga comes in three variants. Proton’s official price list for Peninsular Malaysia, effective 27 November 2025, shows these on-the-road prices without insurance, together with a recommended sum insured for each variant:
Variant
On-the-road price (without insurance)
Recommended sum insured
Saga 1.5 Standard
RM38,990
RM39,000
Saga 1.5 Executive
RM44,990
RM45,000
Saga 1.5 Premium
RM49,990
RM50,000
Prices for East Malaysia are higher. You can check the details in Proton’s launch announcement.
For road tax, the change from 1.3 to 1.5 litres means a new Saga owner in Peninsular Malaysia pays RM20 more a year than an owner of the older 1.3-litre model. For insurance, the higher sum insured on a brand-new car usually matters more than the engine size.
How much is Proton Saga insurance?
There is no single price for Saga insurance. Since July 2017, insurers and takaful operators set their own premiums for comprehensive and third-party fire and theft cover, based on a wider range of risk factors. Bank Negara Malaysia explains this in its notice on the liberalisation of motor insurance.
This means two Saga owners with the same variant can receive different quotes. The best way to know your price is to compare quotes for your own car and profile. You can get a rough idea first with our car insurance calculator guide.
What affects your Saga premium
Sum insured: the amount your car is insured for. A new Saga with a sum insured of RM45,000 costs more to insure than an older Saga worth much less.
NCD: your No Claim Discount can cut the premium by up to 55%.
Driver and vehicle profile: insurers may look at factors such as driving history, vehicle age and where the car is used.
Type of cover: comprehensive cover costs more than third-party only cover.
Add-ons: extras such as windscreen, special perils or flood cover raise the premium.
Do not lower your sum insured just to save money. PIAM warns that if your car is under-insured, the insurer may only pay a proportion of your claim under the average clause. You can read more in PIAM’s guide on comparing car insurance.
Third-party vs comprehensive cover for the Saga
Feature
Third-party only
Comprehensive
Meets the legal requirement for road tax renewal
Yes
Yes
Covers damage to other people’s property
Yes
Yes
Covers damage to your own Saga
No
Yes
Covers theft and fire
No
Yes
Premium
Lowest
Higher
Third-party only cover is the cheapest legal option, but it will not pay to repair your own car. If your Saga is new, still under hire purchase or your main daily car, comprehensive cover is usually the safer choice. Our guide to third-party car insurance explains when it might still make sense.
How NCD lowers your Saga premium
NCD is a discount you earn for each year without a claim. According to the PIAM motor insurance consumer guide, the scale for private cars is:
Claim-free years
NCD
1 year
25%
2 years
30%
3 years
38.33%
4 years
45%
5 years or more
55%
For example, if your Saga premium before NCD is RM1,000, a 55% NCD brings it down to RM450. This figure is only an illustration. Your actual premium depends on your insurer and profile.
Making a claim usually drops your NCD back to 0% at the next renewal. Learn more in our complete guide to car NCD.
Total yearly cost at a glance
Item
All-new Saga 1.5L
Older Saga 1.3L
Road tax (Peninsular Malaysia)
RM90
RM70
Road tax (Sabah and Sarawak)
RM72
RM56
Recommended sum insured (new car)
RM39,000 to RM50,000
Based on current market value
Insurance premium
Get a quote
Get a quote
Your premium will depend on your sum insured, NCD, cover type and add-ons, so the quickest way to see your real number is to compare quotes before renewal.
How to reduce your Saga insurance and road tax costs
Protect your NCD: drive carefully and avoid small claims you can pay for yourself.
Insure at the right value: match your sum insured to your car’s value, not higher and not lower.
Review your add-ons: keep the ones you need, such as windscreen cover, and drop the rest.
Compare before you renew: premiums differ between insurers and takaful operators.
Renew on time: you cannot renew road tax without valid insurance, so plan both together.
Bjak lets you compare car insurance quotes from 16 insurance and takaful partners in one place, without calling an agent. You can review the price and coverage side by side, then pay online.
Where available, you can also add road tax renewal to the same transaction, so your insurance and road tax are sorted in one go. If you are looking at a bigger Proton, see our guide to the Proton S70 road tax and insurance price.
Conclusion
The Proton Saga remains cheap to keep on the road. The all-new 1.5-litre Saga pays RM90 a year in Peninsular Malaysia and RM72 in Sabah and Sarawak, while older 1.3-litre Sagas pay RM70 and RM56. Your insurance premium depends mainly on your sum insured, NCD and cover type.
Keep your NCD, insure at the right value and compare quotes before every renewal.
The all-new Saga has a 1.5-litre (1,499cc) engine, so road tax is RM90 a year in Peninsular Malaysia and RM72 a year in Sabah and Sarawak for a privately owned car.
How much is the road tax for the older 1.3-litre Proton Saga?
The previous Saga uses a 1,332cc engine, which falls in the 1,201cc to 1,400cc band. Road tax is RM70 a year in Peninsular Malaysia and RM56 a year in Sabah and Sarawak.
How much is Proton Saga insurance?
It depends on your sum insured, NCD, cover type, add-ons and your own risk profile, because insurers set their own premiums for comprehensive cover. Compare quotes for your car to see your actual price.
What sum insured should I use for a new Proton Saga?
Proton’s price list recommends a sum insured of RM39,000 for the Standard, RM45,000 for the Executive and RM50,000 for the Premium variant in Peninsular Malaysia. For older cars, insure close to the current market value.
Should I choose third-party or comprehensive insurance for my Saga?
Third-party only cover is the cheapest legal option but does not cover your own car. Comprehensive cover also protects your Saga against accident damage, theft and fire, which suits newer cars and cars under hire purchase.
How much can NCD save on Proton Saga insurance?
NCD can reduce your premium by up to 55% after five or more claim-free years. For example, a RM1,000 premium before NCD would drop to RM450 with a 55% NCD.
Nabil Farhan· · 6 min read
