Car Insurance Guide
P License Car Insurance Malaysia: New Driver Guide 2026
First car? P-plate? Here's everything you need to know about car insurance as a new driver in Malaysia — and how to keep costs as low as possible.
How much does car insurance cost for a P-license driver in Malaysia?
P-license (probationary) drivers pay higher car insurance premiums in Malaysia due to their inexperienced driver status. A typical first car (Perodua Myvi or Axia) costs RM800-1,600/year for comprehensive coverage as a new driver. You'll also face a compulsory excess of RM300 for any at-fault claim (until you have 2+ years driving experience). The best way to reduce cost: compare quotes on Bjak, choose a lower sum insured if the car is older, and start building your NCD from year one.
Updated 2026 • Malaysia
What Changes for P-License Drivers?
- Compulsory excess of RM300
- Higher premium loading (15-50%)
- Must be added as named driver if not policyholder
- NCD starts at 0%
NCD Is Everything — Start Building It Now
5 Years of Safe Driving = 55% Discount for Life
How Much Does Insurance Cost as a New Driver?
| Car Model | Year | Est. Premium (New Driver) | With 55% NCD (Year 5+) |
|---|---|---|---|
| Perodua Axia | 2020 | RM900–1,100 | RM400–500 |
| Perodua Myvi | 2020 | RM1,100–1,400 | RM500–630 |
| Proton Saga | 2020 | RM900–1,200 | RM400–540 |
| Honda City | 2020 | RM1,600–2,200 | RM720–990 |
| Toyota Vios | 2020 | RM1,500–2,000 | RM675–900 |
Estimates only. Actual premiums vary by insurer, age, and add-ons. Compare on Bjak for your exact quote.
Third Party or Comprehensive for Your First Car?
Comprehensive is almost always the right choice for a new driver. Here's why:
As a new driver, you're statistically more likely to be in a minor accident. Third party insurance won't pay for your own car's damage — you'd pay the full repair bill yourself. The extra cost of comprehensive (typically RM300-600 more than third party) is cheap insurance against your own mistakes.
Exception: If your car is over 10 years old and worth under RM15,000, the sum insured may not justify comprehensive coverage. In that case, third party fire and theft (TPFT) is a middle ground.
Tips to Save Money as a New Driver
Compare on Bjak
Different insurers price new drivers differently. Bjak shows all quotes — the cheapest for your profile could be Etiqa, MSIG, or another insurer you wouldn't have checked otherwise.
Choose market value, not agreed value
Agreed value costs 5-10% more. For a depreciating first car, market value sum insured is usually fine.
Skip add-ons you don't need yet
Windscreen coverage is worth it. NCD protector at 0% NCD is not useful yet. Skip optional add-ons to lower year 1 cost.
Drive carefully for 5 years
The biggest saving comes from building NCD. One at-fault claim could reset your NCD and cost you thousands over the next 5 years.
Buy an affordable first car
Insurance premium is based partly on car value. A Perodua Axia or Myvi has much lower insurance than a Honda Civic or Toyota Corolla.
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P License Car Insurance Malaysia FAQ
No. NCD belongs to the policyholder and cannot be transferred between different people. Your NCD starts at 0% on your first policy. However, if your parents buy the car in their name initially, their NCD would apply — but the NCD stays with them, not you.
Related Guides
NCD Explained: How to Build Your Discount
Understanding NCD is the most important thing a new driver can learn
Car Insurance Excess Malaysia
The RM300 compulsory excess for P-plate drivers — explained
Perodua Myvi Insurance Guide
Most popular first car — see typical insurance costs
Perodua Axia Insurance Guide
Cheapest insurance of any new car in Malaysia
Cheapest Car Insurance Malaysia
How to find the lowest rate for your profile
Named Driver Guide
If your parents are the policyholder, read this
Compare Car Insurance for New Drivers
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