Rankings
Best Car Insurance Malaysia 2026
We've ranked Malaysia's top 8 car insurers by price, coverage, claims, and customer satisfaction.
| Rank | Insurer | Comprehensive | TPFT | Rating | Roadside | Best For |
|---|---|---|---|---|---|---|
| #1 | Allianz | RM 850-1,200 | RM 450-650 | 4.5 | Family cars, reliable claims | |
| #2 | Etiqa | RM 800-1,150 | RM 420-620 | 4.4 | Budget drivers, Takaful options | |
| #3 | Kurnia | RM 750-1,050 | RM 400-580 | 4.2 | Cheapest premiums, used cars | |
| #4 | Zurich | RM 880-1,280 | RM 480-680 | 4.3 | E-hailing, premium coverage | |
| #5 | Tokio Marine | RM 820-1,200 | RM 440-640 | 4.4 | EV, tech-forward drivers | |
| #6 | MSIG | RM 850-1,200 | RM 450-650 | 4.3 | Premium cars, good workshops | |
| #7 | Takaful Malaysia | RM 820-1,180 | RM 440-650 | 4.3 | Shariah-compliant, ethical | |
| #8 | Sompo | RM 780-1,100 | RM 420-600 | 4.1 | Budget-friendly, standard cars |
Premium ranges are estimates for a standard 1,500cc sedan with 38% NCD. Final quotes depend on individual vehicle details.
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Compare All InsurersFAQ
Which is the best car insurance in Malaysia?
The best insurer depends on your needs. Allianz and Tokio Marine score well for fast claims. Etiqa and Kurnia are great for budget drivers. Zurich is best for e-hailing. Compare using our comparison tool to find your match.
What is the cheapest car insurance in Malaysia?
Kurnia and Etiqa typically offer the lowest premiums. However, cheapest isn't always best — consider claims process, add-ons, and customer support. TPFT and TPO are cheaper than comprehensive but cover less.
How do I get the best insurance price?
Maximise your NCD (up to 55% discount), compare multiple insurers, choose only needed add-ons, and ensure your car's market value is accurately declared.
Is online car insurance reliable?
Yes — online insurance from licensed insurers is just as valid as buying from an agent. The policy is issued directly by the insurance company, and you receive digital or physical documents.
Can I get insurance for a car over 10 years?
Yes, but you may need a vehicle inspection (B5/B7) and some insurers may only offer TPFT or TPO coverage for older cars. Contact multiple insurers for quotes.