Cheapest Car Insurance Malaysia 2025

Did you know you can save 10% on car insurance when you purchase online? When it comes to choosing the best car insurance in Malaysia, drivers have many options. With different coverage benefits, pricing, and additional features, finding the right policy depends on your needs. In this article, we evaluate the pricing, user experience and coverage and features and reveal the cheapest car insurance to help you select the best option for your needs.

To ensure fairness and accuracy, we conducted this comparison using the following vehicle details:

• Model: Honda HR-V 1.8L E Enhanced (A)
• NCD: 30%
• Sum Insured: RM52,200

Our evaluation covers:

• Pricing: The cost of insurance premiums.
• User Experience: The ease of use and accessibility of online quotes on the company website.
• Coverage & Features: What is included in the plan, such as add-ons, road assistance, and claims benefits.

List of Insurance Companies Compared

The list shows the 14 companies, we have conmpared, in alphabetical order:

1. AIA – Comprehensive Private Car Insurance
2. Berjaya Sompo – Sompo Motor
3. Etiqa Insurance – Motor Insurance
4. Generali – Private Car Comprehensive Insurance
5. Liberty Insurance – Comprehensive Ezy Plus
6. Lonpac – Motor ezSecure
7. MSIG – MSIG Comprehensive Private Car
8. Pacific and Orient – Private Car Comprehensive Insurance
9. Pacific Insurance – Private Car Insurance
10. QBE – Private Car Protector
11. RHB – Private Car Insurance
12. Tokio Marine – Private Comprehensive Motor Insurance
13. Tune – Motor Easy
14. Zurich – Z-Driver

💰 Price: RM1,333.23

✏️ User Experience:

The QBE website has a minimalist design and user-friendly interface. The online quotation form only prompts for basic information including Identification Type (with NRIC as the default), Identification Number, Vehicle Registration Number, Postcode, and Email. Upon completing the form, the website identifies the vehicle and prompts additional information like vehicle variant and market/agreed value. The total premium quotation is immediately displayed on this page and there are options for additional coverage. Overall, it was easy and fast to get a quotation from the website.

Coverage Features:

✅ Comprehensive Coverage

Full protection against theft, accidents, fire, and third-party liability (property damage and bodily injury).

✅ Enhanced Auto Assistance Program

24/7 emergency towing and roadside repair services, plus additional support like jump starts, tire changes, fuel delivery, locksmith services, and accident assistance. Includes increased coverage for towing and roadside repair (up to RM 500 per incident) and automatic upgrade to ‘Unlimited’ cover with Driver Passenger Cover.

✅ Superior Claims Service

Wide panel workshop network, cashless claims, fast-track claim processing (up to RM5,000), and a 6-month workmanship warranty.

✅ Financial Protection & Peace of Mind

Waiver of Betterment for vehicles up to 10 years old, Compassionate Cover offering an additional payout of up to RM 5,000 for new vehicle replacement in case of theft or total loss, and Key Replacement coverage up to RM500 for loss or damage due to theft or break-ins.

💰 Price: RM1,291.14

✏️ User Experience:

The online car insurance form asked for more details than expected. It included the usual information like car plate and NRIC numbers, name, address, and email. However, it also asked for marital status and job, which made the process more complicated than other insurance websites. Because there were more fields to fill in, it took longer to finish the form, even though it wasn’t particularly hard. Upon completing the first page, the website quotes a price according to the vehicle and preferred sum insured.

Coverage Features:

✅ Comprehensive Protection

Includes special perils coverage for natural disasters like floods, typhoons, and earthquakes, plus unlimited towing within Malaysia to any preferred workshop.

✅ Driver & Payment Flexibility

Covers all authorized drivers without requiring nomination and provides 0% interest instalment plans for 6 or 12 months via Maybank & CIMB for payments over RM600.

✅ Convenience & Quick Claims

24/7 Rakan Auto Roadside Assistance ensures immediate help during emergencies, while claims up to RM5,000 are approved and settled within one hour.

💰 Price: RM1,291.14

✏️ User Experience:

The online car insurance form has only three steps which are plan selection, personal details, summary and payment. The page has two options for car insurance, either personal or business. The personal tab prompts for information vehicle registration number, identification number, full name, date of birth, postcode and email address. The business tab prompts for additional information like company name, old business registration and SSM number. Once the details are filled in, two price quotations are given for two plan options which are motor easy and motor easy bundle. Additonal coverage options are also given before proceeding to payment. Overall, the process was very quick and easy, suitable for any types of users.

Coverage Features:

✅ Comprehensive Vehicle Protection

 Coverage for accidents, theft, fire, and third-party liabilities, with an optional full payout in the event of theft or total loss (based on agreed value).

✅ Extensive Support Network

Includes 24/7 emergency assistance via a dedicated hotline (1800-22-8863), access to a wide network of panel workshops (300++) and windscreen repair services for efficient claims and repairs.

✅ Financial Safety Net

Offers no excess for damage claims, and an affordable add-on for flood coverage (0.2%) to protect against storms and landslides.

💰 Price: RM1,208.91

✏️ User Experience:

The Tokio Marine vehicle information page requires more than just the basic information like vehicle number, identification number, postcode and email address. Additionally, name as per ID, date of birth, gender and mobile number are also required. Before proceeding, users are also required to enter a Captcha code to verify themselves as actual users and not bots. On the coverage information page, users will have to provide more information like vehicle import type, garaged, safety feature, anti-theft and hire purchase company information. The price quotation is displayed on this page according to the information given and finally, the next page is for additonal coverage options and payment. Overall, the process to obtain the quotation was long and tedious compared to other insurance websites.

Coverage Features:

✅ Comprehensive Protection

Covers named drivers, windscreen breakage, and legal liability for both passengers and negligence-related incidents.

✅ Natural Disasters & Unforeseen Events

Protection against floods, storms, strikes, riots, and civil commotions to safeguard your vehicle in extreme situations.

✅ Convenience & Benefits

Includes CART (Car Assistance & Replacement Transport) for temporary vehicle replacement and NCD Relief to maintain No-Claim Discount benefits even after a claim.

💰 Price: RM1,208.91

✏️ User Experience:

The liberty motor quote page asks users for basic details including vehicle registration number, IC number, postcode, email address and mobile number. Additionally, users are required to enter a Captcha code before proceeding to the next page. Then, users are asked to choose their vehicle variant and the page displays the plan options along with their benefits. Upon selecting a plan, the page displays the price quotation according to agreed/market value. In the next page, users are given the option to include additonal coverage in their plans before making the payment. Overall, the process of getting a quote was smooth but the user interface was not as user-friendly as other insurance company websites.

Coverage Features:

✅ Comprehensive Coverage

Includes bodily injury and medical expense coverage for the driver and passengers, along with personal accident protection in case of serious injuries or fatalities.

✅ Valuable Add-Ons

Features 24/7 unlimited mileage towing assistance, child seat and key replacement to cover unexpected costs, and waiver of betterment for vehicles aged 5 to 15 years.

✅ Compulsory Excess Waiver

Protects against excess charges when an unnamed driver under 21 or with a learner’s license drives the vehicle.

💰 Price: RM1,165.31

✏️ User Experience:

The Etiqa quotation page has a simple design and only prompts for three details including vehicle registration number, postcode and NRIC number. Next, the page asks the user to choose their vehicle variant and immediately displays the price quotation according to agreed/market value. Users who would like to proceed to purchase, can fill in their personal details and bank details, along with additonal coverage, all on the same page. Personal details required include name, ethnicity, marital status, email, phone number and home address. Overall, the process was quite easy and took less than 5 minutes, as claimed on their website.

Coverage Features:

✅ FREE ‘Drive Less Save More’ add-on

This feature rewards drivers who travel fewer miles with up to 30% cash rebates, making it ideal for those who don’t use their vehicle frequently. This not only saves money but also promotes conscious driving habits.

✅ FREE benefits

Policyholders enjoy additional perks at no extra cost, including a towing service of up to 200km, ensuring assistance in the event of a breakdown. A courtesy replacement car keeps you mobile while your vehicle is being repaired, and the policy allows for unlimited authorized drivers, offering flexibility for families and multiple car users.

✅ Super fast claims

Etiqa boasts one of the fastest claims processes in Malaysia, with approvals granted within 30 minutes for claims up to RM5,000. This ensures a seamless experience for customers needing urgent assistance.

💰 Price: RM1,154.48

✏️ User Experience:

The online quotation page only prompts for three details including IC number, vehicle registration number and postcode. Once the details are filled in, the next page immediately displays the price quotation. Users who would like to proceed to purchase, will then have to fill in the owner’s details including name, gender, marital status, nationality, driving experience, address, mobile number, email and number of vehicles owned. Finally, users can proceed to the add-ons page and make their payment. Overall, it was very quick and easy to get a quote. However, there are a lot of details required for users who would like to make a purchase which takes some time. The website is very easy to navigate and suitable for any types of users.

Coverage Features:

✅ Comprehensive Car Coverage

Protection against loss or damage to your car due to accidents, theft, or fire.

✅ Liability Coverage

Financial protection for injuries or death to others, and for property loss or damage to others caused by your car.

✅ Optional Coverage Enhancements

Ability to customize your plan with additional benefits to guard against unexpected events and financial risks.

✅ 24/7 Roadside Assistance

AIA Roadside Assist provides value-added services around the clock to help you safely get back on your journey in the event of an accident or breakdown.

💰 Price: RM1,134.84

✏️ User Experience:

The quotation page prompts the users for 4 basic details including vehicle registration number, postcode, IC number and email address. Then users will have to choose between comprehensive or third party, fire and theft insurance. Upon specifying the sum insured of the vehicle the page displays the price quotation and asks for additonal information including car variant, name, address, gender, occupation and marital status. Lastly, users can choose add-ons and proceed to make their payment. Overall, the process was moderately easy to complete. The user-interface of the website looks slightly outdated and not very user-friendly.

Coverage Features:

✅ Comprehensive Third-Part Liability Coverage

This protects you financially if your car causes injury or death to another person, or if your car damages someone else’s property. This coverage helps pay for medical expenses, lost wages, legal fees, and repair or replacement costs. The specific limits of coverage will be defined in your policy.

✅ Comprehensive Own Vehicle Protection

This covers loss or damage to your car in a variety of situations:

• Accidental Fire: Protection if your car is damaged or destroyed by fire caused by an accident (e.g., a collision).
• Theft: Coverage if your car is stolen. This typically includes coverage for damage caused during the theft.
• Accident: Covers damage to your car resulting from a collision with another vehicle or object.

💰 Price: RM1,122.19

✏️ User Experience:

The first online quotation page prompts the user for many details including vehicle number, IC number, email address, mobile number, gender, birthday, marital status and postcode. In the next page, users can edit their vehicle information, ensuring that they are accurate. In the third page, users will have to fill in preferred coverage value, and choose additional coverage.  Before proceeding to payment, users are required to fill in their name, address and occupation. The price quotation is only shown on the last page before making payment. Overall, the website is straight forward and easy to use. But the page only displays the price quotation at the very last page which may take a lot of time and patience.

Coverage Features:

✅ Comprehensive Coverage

Protection against damage to your own vehicle due to accidents, fire, or theft.

✅ Third-Party Liability

Coverage for liabilities such as injury or death to another party or damage to their vehicle.

💰 Price: RM1,086.28

✏️ User Experience:

The quotation page asks the users for 4 information including vehicle number, ID number, phone number and email address. After agreeing to terms and conditions, more information like policy type, postcode, company use, vehicle type, age, gender, tuition use and disabled use are required. The next page displays the price quotation according to the sum insured.  Users can also choose additonal coverage and proceed to payment. Overall, the user-interface is looks outdated and slightly difficult to navigate. However, the process take a short time and can be done quickly.

Coverage Features:

✅ Comprehensive Vehicle Damage Coverage

Covers loss or damage to your vehicle from collisions, overturning, and certain falling object impacts.

✅ Extensive Third-Party Liability Coverage

• Unlimited coverage for bodily injury or death to another person.
• Up to RM3 million for property loss or damage to another person.

✅ Legal Cost Coverage

Up to RM2,000 for defense/legal costs.

✅ Flexible Driver Coverage (Company Vehicles)

Ability to extend the policy to cover all drivers with the policyholder’s permission (for company vehicles only).

💰 Price: RM1,072.64

✏️ User Experience:

The online quotation process starts by prompting users for their car registration number, IC number and postcode. After that users are asked to choose their car variant, and fill up additonal details name, mobile number, email address, marital status, e-hailing and number of accidents in the last 3 years. This page displays the price quotation for the vehicle. Finally, users can choose to include add-ons and proceed to payment. Overall, the website has a user-friendly interface which made the process quick and easy to complete.

Coverage Features:

✅ Financial Convenience & Flexibility

• Easy 6-month, zero-interest installment plan (for Maybank & Public Bank credit cardholders, minimum premium of RM500)
• Option to renew your digital road tax through MYEG.

✅ Comprehensive & Accessible Assistance

24/7 emergency roadside and breakdown assistance with Lonpac Road Assist1. Includes free towing service up to RM400 per event (terms and conditions apply). Call 1-300-88-1138 for roadside assistance.

✅ Driver Coverage

Waiver of compulsory excess for all drivers (except those with provisional (P) or learner (L) licenses).

✅ Quality & Assurance

6-month repair warranty at Lonpac panel workshops.

✅ Comprehensive Protection

Coverage includes liabilities to third parties for injury or death, damage to third parties’ property, and accidental or fire damage to your vehicle or theft of your vehicle.

💰 Price: RM1,071.28

✏️ User Experience:

The quotation page prompts users for their car registration number and IC number. After that users are asked for additonal details like vehicle variant, name, mobile number, email address, marital status, gender, years of driving experience and occupation. The users are given two plan options which are the MSIG Motor Plus and MSIG Comprehensive Private Car. This page displays the price quotation for the vehicle according to the agreed/market value. Finally, users can choose to include add-ons and proceed to payment. Overall, the website has a user-friendly interface which made the process quick and easy to complete.

Coverage Features:

✅ Comprehensive Coverage 

MSIG Private Car Insurance provides comprehensive protection, covering third-party bodily injury and death, third-party property loss or damage, and loss or damage to your own vehicle resulting from accidental fire, theft, or accident.

✅ Financial Advantages

MSIG Private Car Insurance offers several financial advantages, including a 10% direct rebate and convenient payment options through FPX, Boost e-wallet, or Visa and Mastercard credit/debit cards.

✅ Service and Support

MSIG Private Car Insurance provides excellent service and support, including a 6-month warranty on repairs performed by MSIG panel workshops and 24-hour assistance through MSIG Motor Assist, reachable at 1-300-880-833. MSIG Motor Assist offers accident and roadside service assistance, ensuring help is available when needed. The program includes a nationwide network of motor repairers and covers towing up to RM300 per incident for breakdowns.

✅ Optional Add-ons (MSIG Motor Plus): 

For enhanced protection, consider add-ons like Driver’s Personal Accident, Full Special Perils, Legal Liability coverage, Waiver of Compulsory Excess, Strike/Riot/Civil Commotion coverage, and 24-hour unlimited towing.

💰 Price: RM1,067.76

✏️ User Experience:

The quotation page only prompts for 3 details including vehicle number, ID number and postcode. Then users can choose their preferred sum insured, excess claim amount and add-ons. In the next page, users are asked for additional information like name, marital status, mobile number, occupation, email address, house address and tax identification number (TIN). The price quotation is displayed at the bottom of this page. Finally, users can move to the next page for add-ons and to make payment. Overall, the website was easy to navigate and  could easily be handled by any type of users.

Coverage Features:

✅ Discounts for Low-Risk Drivers

Enjoy up to 10% discount on your motor premium if you are identified as a low-risk driver, such as a cautious driver, lady driver, and/or SUV driver.

✅ Voluntary Excess Discount

Receive up to a 20% discount by choosing a voluntary excess (the amount you agree to pay in the event of a claim).

✅ Affordable Water Damage Coverage

Get reimbursed up to RM5,000 for towing and cleaning costs due to flood damage for as low as RM10 per year.

✅ Affordable Personal Accident (PA) Cover

Protect yourself, your family, and passengers with PA coverage up to RM175,000 per car, starting from just RM15 per year.

💰 Price: RM998.87

✏️ User Experience:

The first page prompts users for basic information including vehicle number, ID number and postcode. On the second page, users’ personal details like name, mobile number and email address are required. Upon completing the details, a third page shows the benefits of the plan and add-on options. This page also displays the price quotation. Lastly, users are required to fill in additonal particulars like years of driving experience, occupation and vehicle location before proceeding to payment. Overall, the process is very quick and easy that anyone can easily purchase a plan in less than 5 minutes.

Coverage Features:

✅ Fast & Hassle-Free Claims

Get claims under RM10,000 approved quickly, ensuring a seamless experience.

✅ Risk-Based Pricing & Repair Assurance

Enjoy potentially lower premiums if you have a safer risk profile, plus a six-month repair warranty from Generali’s panel workshops.

✅ Round-the-Clock Roadside Assistance

24/7 emergency hotline for accidents and breakdowns, providing peace of mind whenever you’re on the road.

✅ Comprehensive Add-On Coverage

Extend your protection with options like windscreen, flood, and natural disaster cover, plus Multi Drive Protector+, which includes free towing up to 30km.

✅ Legal & Financial Protection

Coverage for passenger liability in case of legal claims, plus Multi Drive Bravo+, which offers cash benefits, key replacement, and protection against snatch theft.

The summary below is based on a Honda HR-V 1.8L E Enhanced (A) with an NCD amount of 30%.

Cheapest Car Insurance: Generali – Private Car Comprehensive Insurance

Most Expensive Car Insurance: QBE -Private Car Protector

The difference between cheapest car insurance and most expensive is RM400 which is more than 40%! Therefore, it is truly important to compare insurance plans before purchasing to save money. In summary, Generali offers the cheapest car insurance in 2025 as compared to the other companies, making it the top choice for car insurance. Additionally, Generali also rated high in user experience and coverage and feature, which makes it the best overall. Not to forget, Generali was the winner of the best car insurance of 2024. With iBanding, you can compare prices and purchase your car insurance with confidence. Be sure to check out the comparison table below.