Best Car Insurance in Malaysia 2026
Honest review & comparison of 16 Malaysian car insurers — ranked by claims speed, price, and workshop network. Find the cheapest and best coverage for your car.
Get RM25 cashback to ShopeePay + free road tax delivery. Pay by instalment via SPayLater (3/6/12 months). Allianz, Zurich & Takaful Ikhlas available.
Best for: Shopee users who want cashback and instalment payment flexibility
Best Car Insurance Malaysia — Full Comparison (16 Insurers Ranked)
| Rank | Insurer | Rating | Claims | Pricing | Key Features | Action |
|---|---|---|---|---|---|---|
| 1 |  Allianz Est. 1890 | 4.6 | Excellent | Premium |
| View Details |
| 2 |  Etiqa Est. 2007 | 4.5 | Excellent | Competitive |
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| 3 |  Tokio Marine Est. 1879 | 4.5 | Excellent | Moderate |
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| 4 |  AXA Est. 1954 | 4.4 | Very Good | Competitive |
| View Details |
| 5 |  Zurich Est. 1872 | 4.4 | Very Good | Premium |
| View Details |
| 6 |  MSIG Est. 1979 | 4.4 | Very Good | Moderate |
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| 7 |  RHB Est. 1979 | 4.3 | Good | Competitive |
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| 8 |  Lonpac Est. 1963 | 4.2 | Good | Budget-Friendly |
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| 9 |  Kurnia Est. 1981 | 4.2 | Good | Competitive |
| View Details |
| 10 |  Pacific Est. 1963 | 4.1 | Good | Budget-Friendly |
| View Details |
- Road Rangers assistance
- Unlimited towing distance
- Key replacement coverage
- 24/7 roadside assistance
- Flood coverage available
- Windscreen coverage
- EZ Claim service
- Accident forgiveness
- New car replacement
- FlexiDrive plans
- Emma chatbot assistance
- Workshop freedom choice
- RHB banking integration
- Cashback rewards
- Panel workshop network
- Competitive rates
- Simple claims process
- Wide workshop network
- Now part of AmGeneral
- Wide distribution
- Established brand
- Affordable rates
- Basic coverage options
- Panel workshop network
Best Car Insurance For...
Find the right insurer for your specific situation — each has a dedicated comparison guide.
EV Cars
BYD · Tesla · Volvo EV
View guide →
Third Party Only
Legal minimum · from RM150
View guide →
Young / P License
New driver complete guide
View guide →
New Car
Genuine parts · return-to-invoice
View guide →
Agreed Value
vs Market value explained
View guide →
Seniors
No age loading in Malaysia
View guide →
Cheapest
Lowest premiums ranked
View guide →
New / First-Time Drivers
First car insurance guide
View guide →
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 |
Not sure which insurer is right for you?
Use our calculator to estimate your premium and compare quotes
Calculate Your PremiumHow We Rank Car Insurance Companies
Our rankings are based on comprehensive analysis of multiple factors that matter most to Malaysian drivers.
Claims Experience
We evaluate claim approval times, workshop network, and customer satisfaction.
Coverage Options
We assess coverage range from basic third-party to comprehensive plans with add-ons.
Pricing & Value
We compare premium rates for similar coverage. Value for money matters most.
Customer Service
We consider feedback, complaint resolution, and digital platform quality.
Financial Stability
We evaluate financial strength and claims-paying ability of each insurer.
Tips for Choosing the Right Insurer
Follow these tips to find the best car insurance for your needs and budget.
Compare Multiple Quotes
Premiums vary significantly between insurers for the same coverage.
Use Our CalculatorCheck Workshop Network
Ensure the insurer has panel workshops convenient to your location.
Compare NetworksInsurans Kereta Terbaik Malaysia 2026
Senarai syarikat insurans kereta terbaik di Malaysia berdasarkan tuntutan, harga, dan rangkaian bengkel:
🥇 Terbaik Tuntutan
Allianz Malaysia
Cemerlang — pembaikan terus di bengkel panel
🥈 Paling Murah
Etiqa Takaful
Premium dari RM280/tahun — paling berpatutan
🥉 Rangkaian Terluas
AXA Affin
2,900+ bengkel panel seluruh Malaysia
Bandingkan semua 16 syarikat insurans kereta di jadual perbandingan di atas.
Frequently Asked Questions
The best car insurance company depends on your specific needs. Allianz and Tokio Marine are known for excellent claims service, Etiqa offers competitive pricing, while Zurich provides premium features. We recommend comparing quotes from multiple insurers to find the best fit for you.
Ready to Buy or Renew?
Buy on Shopee for RM25 cashback, or compare all 16 insurers on Bjak to find the lowest price.
All BNM-licensed · No agent fee · Instant e-policy