Saga Insurance Price Malaysia 2026
Find out how much insurance costs for Proton Saga 1.3 Standard & Premium variants. Compare quotes from 15+ insurers and save up to RM400.
Proton Saga
Malaysia's Iconic National Car
How much is Proton Saga insurance in Malaysia?
Proton Saga comprehensive insurance costs RM650-1,200/year with 55% NCD. 3 variants available, from Saga 1.3 Standard MT starting at RM650/year. Market value range: RM37K-RM45K. Compare quotes from Allianz, Zurich, and Etiqa for best rates.
Updated 2026 • Malaysia
Saga Insurance Price Comparison 2026
Compare estimated insurance prices for all Proton Saga variants. Prices based on 55% NCD.
| Saga Variant | Engine | Market Value | Comprehensive | Third Party |
|---|---|---|---|---|
| Saga 1.3 Standard MT | 1.3L | RM37,000 | RM650-1,000/year | RM150-250/year |
| Saga 1.3 Standard AT | 1.3L | RM40,000 | RM700-1,100/year | RM150-250/year |
| Saga 1.3 Premium AT | 1.3L | RM45,000 | RM750-1,200/year | RM150-250/year |
* Prices are estimates based on 55% NCD. Actual premium depends on driver age, location, and insurer.
Factors Affecting Your Saga Insurance Price
Understanding these factors helps you find the best saga insurance price Malaysia offers.
NCD (No Claim Discount)
Up to 55% discount if you haven't made claims. This is the biggest factor in reducing your insurance cost.
Driver's Age & Experience
Younger drivers (under 25) typically pay higher premiums. Named drivers also affect pricing.
Location
Urban areas like KL have higher premiums than East Malaysia due to traffic and accident statistics.
Coverage Type
Comprehensive costs more but covers your car against damage, theft, and accidents.
Sum Insured (Market Value)
Higher market value means higher premium. Lower value vehicles keep insurance costs reasonable.
Add-ons Selected
Windscreen coverage, flood protection, and other add-ons increase your premium.
Saga Insurance by Variant
Detailed breakdown of proton saga insurance price for each variant.
Specifications
- Engine:1,332cc
- Market Value:RM35,000 - RM42,000
- Road Tax:RM70/year
- Insurance Price:RM650 - RM1,100/year
Best For
- Budget-conscious drivers
- First-time car owners
- Grab/e-hailing drivers
Recommended: Etiqa (competitive) or Kurnia (budget)
Comprehensive vs Third Party for Saga
Choosing the right coverage type can save you money while protecting your Proton Saga.
| Feature | Comprehensive | Third Party |
|---|---|---|
| Price for Saga | RM650-1,200/year | RM150-250/year |
| Own Damage Cover | ||
| Theft Protection | ||
| Third Party Liability | ||
| Best For | New/financed Saga (under 8 years old) | Old Saga (8+ years old) |
How to Save on Saga Insurance
Smart tips to get the lowest saga insurance price malaysia has to offer.
Compare Multiple Quotes
Prices vary significantly between insurers for the same coverage.
Use CalculatorChoose Right Coverage
Consider Third Party for older cars (8+ years) to save significantly.
Compare CoverageBundle Road Tax
Some insurers offer discounts when you renew road tax together with insurance.
Get QuoteBest Insurers for Saga
Top 5 recommended insurance companies for Proton Saga owners.
Etiqa
Best for PricingCompetitive rates with fast digital claims
Allianz
Best for ServicePremium service with Road Rangers roadside assistance
Tokio Marine
Best for ClaimsExcellent claims experience with EZ Claim service
AXA
FlexibilityWide range of add-ons and customization options
Zurich
Premium OptionComprehensive coverage with excellent customer service
Saga Insurance FAQ
Comprehensive insurance for Proton Saga ranges from RM650-1,200 per year depending on variant and NCD. Third Party insurance starts from RM150/year. Standard variants are cheaper to insure than Premium.
Ready to Get Your Saga Insurance Quote?
Compare prices from 15+ insurers and save up to RM500 on your Proton Saga insurance.