How Much Is Proton Saga Insurance in Malaysia?
From RM 450 to RM 750/year for comprehensive coverage. The Saga is affordable to insure, making it a popular choice for first-time car buyers and families.
Quick Saga Insurance Estimate
This is an estimate. Final premium depends on insurer underwriting, vehicle details, NCD record, add-ons, and JPJ/MyCarInfo data.
Saga Insurance Price Table by Year & Variant
Estimated annual comprehensive premium with 0% NCD.
| Variant | Year | CC | Market Value | Comprehensive | TPFT | TPO | Road Tax |
|---|---|---|---|---|---|---|---|
| 1.3 Premium S | 2025 | 1332 | RM 44,800 | RM 730 | RM 480 | RM 290 | RM 70 |
| 1.3 Standard | 2025 | 1332 | RM 34,800 | RM 600 | RM 410 | RM 260 | RM 70 |
| 1.3 Premium S | 2024 | 1332 | RM 39,500 | RM 660 | RM 445 | RM 275 | RM 70 |
| 1.3 Standard | 2023 | 1332 | RM 31,000 | RM 550 | RM 380 | RM 250 | RM 70 |
| 1.3 Standard | 2022 | 1332 | RM 26,000 | RM 480 | RM 335 | RM 230 | RM 70 |
| 1.3 Standard | 2021 | 1332 | RM 22,000 | RM 450 | RM 310 | RM 215 | RM 70 |
* Estimated premiums based on 0% NCD. With NCD discount, your actual premium will be lower. Road tax shown is for Peninsular Malaysia.
Saga NCD Discount Table
Your No Claim Discount reduces your insurance premium every year.
| Claim-Free Period | NCD % | Savings |
|---|---|---|
| 0 (New driver) | 0% | -RM 0 |
| 1 year no claim | 25% | -RM 183 |
| 2 years no claim | 30% | -RM 219 |
| 3 years no claim | 38.33% | -RM 280 |
| 4 years no claim | 45% | -RM 329 |
| 5+ years no claim | 55% | -RM 402 |
NCD Saving Tip
With 55% NCD, your Saga comprehensive premium could drop to as low as RM 200-340/year!
Try the NCD CalculatorComprehensive vs Third Party for Saga
Which coverage type makes sense for your Proton Saga?
Comprehensive
RM 730- Own damage from accidents
- Theft & fire protection
- Third-party liability
- Flood & natural disaster
Verdict: Best for Saga under 10 years or with outstanding loan
Third Party Fire & Theft
RM 480- Third-party liability
- Fire damage to own car
- Theft of own vehicle
- Personal accident cover
Verdict: Good for Saga 10-15 years with moderate value
Third Party Only
RM 290- Third-party bodily injury
- Third-party property damage
- Personal accident cover
Verdict: For very old Saga (15+ years) with low market value
Recommended Add-ons for Your Car
Not all add-ons are worth it. Here are the ones that make the most sense for Malaysian drivers.
Windscreen Coverage
RM 100-150/yearCovers windscreen repair or replacement. Essential for Malaysian highways.
Flood / Special Perils
RM 80-120/yearEssential during monsoon season. Covers flood, landslide, and natural disaster damage.
All Drivers Cover
RM 50-80/yearExtends coverage when other drivers use your car.
Passenger Liability
RM 30-50/yearCovers legal liability for passenger injuries.
Towing & Roadside
RM 30-60/yearFree towing up to a set distance after breakdown or accident.
Betterment Waiver
RM 40-80/yearWaives betterment cost on new parts for cars under 5 years.
Best Insurers for Proton Saga
Compare the top insurance providers for Saga coverage in Malaysia.
Etiqa
Best for: Budget renewal- Affordable rates
- Good for Saga
- Average claims speed
Allianz
Best for: Quality coverage- Reliable claims
- Workshop choice
- Mid-range price
Zurich
Best for: Added protection- Strong add-on flexibility
- Fast roadside
- Slightly higher premium
Insurance Renewal Checklist
Everything you need to prepare before renewing your car insurance.
Check your current insurance expiry date (renew up to 60 days before expiry)
Verify your current NCD percentage with your insurer
Decide on coverage type: Comprehensive recommended for cars under 10 years old
Consider add-ons: windscreen and flood cover are top recommendations for Malaysian drivers
Get quotes from at least 3 insurers for comparison
Check your road tax expiry — renew together to save time
Have your grant (vehicle registration card) ready
Upload or send photos of your car (some insurers require this now)
Confirm payment method — online banking, credit card, or agent collection
Save your digital policy and road tax on your phone
Frequently Asked Questions
Everything you need to know about Proton Saga insurance.
Proton Saga insurance costs between RM 450 to RM 750/year for comprehensive coverage, depending on variant, year, and NCD. The 1.3L engine keeps premiums affordable.
Proton Saga road tax is RM 70/year for the 1.3L engine (1,332 cc), based on Peninsular Malaysia rates for private vehicles.
No, the Saga is one of the more affordable cars to insure in Malaysia. Its 1.3L engine and competitive market value keep premiums low compared to larger sedans.
For Saga under 10 years, comprehensive is recommended. For older models, third party fire and theft can save you RM 200-300/year.
Ready to Get Your Saga Insurance Quote?
Compare quotes from multiple licensed insurers. No obligation, free estimates, and personalized recommendations for your Proton Saga.
This is an estimate. Final premium depends on insurer underwriting, vehicle details, NCD record, add-ons, and JPJ/MyCarInfo data.
Important Disclaimer
Motoo is an independent car insurance comparison and information platform. We are not a licensed insurance broker, not an insurance company, and we do not underwrite or sell insurance policies.
The insurance price estimates and comparisons provided on this page are for reference and informational purposes only. They are not guaranteed quotes or official insurance prices. Actual premiums and coverage terms depend on the insurer's assessment of your specific vehicle, NCD record, driving history, and the insurer's own pricing model.
All insurance policies are issued by licensed and regulated insurance companies in Malaysia. Bank Negara Malaysia maintains a list of approved insurance and takaful brokers.
For accurate and binding quotes, please contact a licensed insurance agent or the insurer directly. Use Motoo to estimate and compare before making your decision.