Car Insurance Malaysia 2026 — Compare & Save
Compare car insurance from 16 BNM-licensed insurers in Malaysia. Instant quotes, instant e-policy — no agent needed.
Comprehensive cover from ~RM700/year · Quote in under 2 minutes
Allianz · Zurich · Zurich Takaful · Ikhlas
Independent affiliate — not an agent of Shopee/MoneeInsure
What is the cheapest car insurance in Malaysia (2026)?
Etiqa typically offers the lowest comprehensive premiums — from RM650/year for a Perodua Myvi with 55% NCD. The cheapest quote for your specific car depends on model, CC, and NCD. See full price list →
Compare All 16 BNM-Licensed Car Insurers
All licensed by Bank Negara Malaysia (BNM) · Prices compared simultaneously on Bjak.my
Why Compare on Bjak?
Malaysia's largest car insurance comparison platform. 16 insurers. 3 minutes. Free.
Fast quotes in 2 minutes
Enter your plate number. See your NCD, renewal price, and all available plans — no waiting, no callbacks.
Compare 16 insurers at once
All 16 BNM-licensed insurers side-by-side. Same coverage, different prices — find the gap instantly.
Add coverage in seconds
Windscreen, flood, PA, named drivers — add what you need and the price updates live. No hidden extras.
24/7 VIP customer support
WhatsApp or live chat — Bjak's team responds fast if you need help with your policy or a claim.
16 BNM-licensed insurers · Instant e-policy · No agent commission
How to Renew in 3 Steps
Buy online in minutes — no paperwork, no waiting
Compare Prices
Enter your car plate or NRIC on Bjak to get instant quotes from 16 insurers side by side.
Pick Your Plan
Choose comprehensive or third-party. Add riders like windscreen, flood, or special perils coverage.
Pay & Get Covered
Pay online via FPX or card. Your e-policy is emailed instantly — use it to renew road tax the same day.
Why Buy Car Insurance Online?
Skip the agent, get the same coverage cheaper — and faster
Compare 16 Insurers
See prices from Allianz, Zurich, Etiqa, AXA, MSIG, Tokio Marine and 10+ more in seconds. You pick the best price — no agent commission inflating your quote.
Save Up to 55% with NCD
Build up your NCD over 5 claim-free years and cut your premium by 55%. On a RM1,500 base premium, that's RM825 saved every year. Protect your NCD — don't claim for minor repairs.
Done in 3 Minutes
No waiting for callbacks. Enter your details, compare, pay — your e-policy lands in your inbox immediately. Renew anytime, even at 2am.
Buy Online vs. Through an Agent
Same BNM-licensed coverage — very different experience and price.
| Bjak | Shopee | Through Agent | |
|---|---|---|---|
| Insurers compared | 16 side-by-side | Allianz, Zurich, Takaful Ikhlas | 1–3 (agent's preferred) |
| Price transparency | ✓ See all prices instantly | ✓ See prices instantly | Agent controls what you see |
| Free perks | — | ✓ Free Road Tax + RM25 cashback | — |
| Time to get quote | Under 2 minutes | Under 2 minutes | Hours to days |
| Time to get policy | ✓ Instant e-policy | ✓ Instant e-policy | 1–3 business days |
| Commission added | ✗ None | ✗ None | Built into your premium |
| Availability | ✓ 24/7 online | ✓ 24/7 online | Office hours only |
| NCD retrieval | ✓ Auto from ISM database | ✓ Auto from ISM database | Manual — may have errors |
| Claims support | Contact insurer directly | Contact insurer directly | Agent may assist |
| Roadside assistanceBjak VIP | ✓ VIP Road Assist (add-on) | ✓ ServAuto 70% OFF voucher | Varies by insurer |
| Towing / breakdownBjak VIP | ✓ VIP Rescue — unlimited | ✓ ServAuto (towing via voucher) | — |
| Extended warrantyBjak VIP | ✓ VIP Rescue (engine & gearbox) | — | — |
| Best for | Most choices + VIP add-ons | Free road tax + cashback | Complex cases, first-time buyers |
More Car Insurance Resources
Ready to Compare Prices?
Get instant quotes from 16 insurers — Allianz, Zurich, Etiqa, AXA, MSIG & more. No sign-up needed.
Compare Now on Bjak16 insurers · 6M+ users · 4.8 ⭐ Google · No agent needed
Panduan Insurans Kereta — Bahasa Malaysia
Insurans Kereta Terbaik 2026
Ranking 4 syarikat insurans kereta terbaik Malaysia
Insurans Kereta Murah 2026
Bandingkan harga 16 syarikat — cara dapat paling murah
Insurans Third Party
Bila perlu third party sahaja? Jimat vs risiko
Insurans Takaful Kereta
Pilihan takaful vs konvensional — perbezaan utama
Bayar Secara Ansuran
Pilihan bayar ansuran insurans kereta Malaysia
Beli Insurans Online
Panduan langkah demi langkah beli insurans dalam 10 minit
Renew Insurans Online
Renew insurans dan road tax online — siap hari yang sama
Insurans Berdekatan Saya
Cari insurans kereta murah di bandar anda
Frequently Asked Questions
Etiqa consistently offers the lowest comprehensive car insurance premiums in Malaysia — from RM650/year for a Perodua Myvi with 55% NCD. However, the cheapest insurer varies by car model and NCD. The only way to find the real cheapest is to compare all 16 BNM-licensed insurers simultaneously on Bjak.my.
Find the Cheapest Car Insurance Today
Compare 16 BNM-licensed insurers in 60 seconds. No agent. No waiting. Instant e-policy.
Renew in 2 Minutes →16 BNM-licensed insurers · Free · Instant e-policy