Comparison

Compare Car Insurance Malaysia 2026

Side-by-side comparison of Malaysia's leading car insurers. Find the best coverage for your car and budget.

Allianz

4.5
ComprehensiveRM 850-1,200
TP Fire & TheftRM 450-650
Roadside Assist
E-hailing
EV Support

Best for: Family cars & general drivers

+ Fast claims processing, wide panel workshop network

- Higher premiums for young drivers

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Etiqa

4.4
ComprehensiveRM 800-1,150
TP Fire & TheftRM 420-620
Roadside Assist
E-hailing
EV Support

Best for: Budget-conscious drivers

+ Competitive pricing, good Takaful options

- Slower claims for non-panel workshops

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Zurich

4.3
ComprehensiveRM 880-1,280
TP Fire & TheftRM 480-680
Roadside Assist
E-hailing
EV Support

Best for: E-hailing drivers & premium cars

+ Strong e-hailing support, good add-on range

- Above-average premiums

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Tokio Marine

4.4
ComprehensiveRM 820-1,200
TP Fire & TheftRM 440-640
Roadside Assist
E-hailing
EV Support

Best for: EV owners & tech-forward drivers

+ EV insurance pioneer, responsive claims

- Limited Takaful options

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Kurnia

4.2
ComprehensiveRM 750-1,050
TP Fire & TheftRM 400-580
Roadside Assist
E-hailing
EV Support

Best for: Budget & used car owners

+ Lowest premiums, easy renewal

- Basic add-on selection

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MSIG

4.3
ComprehensiveRM 850-1,200
TP Fire & TheftRM 450-650
Roadside Assist
E-hailing
EV Support

Best for: Premium car owners

+ Excellent panel workshops, strong coverage

- Higher premiums

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Sompo

4.1
ComprehensiveRM 780-1,100
TP Fire & TheftRM 420-600
Roadside Assist
E-hailing
EV Support

Best for: Budget & standard cars

+ Affordable rates, decent coverage

- Limited roadside assistance

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Takaful Malaysia

4.3
ComprehensiveRM 820-1,180
TP Fire & TheftRM 440-650
Roadside Assist
E-hailing
EV Support

Best for: Muslim drivers seeking Shariah-compliant

+ Full Takaful options, ethical insurance

- Limited e-hailing support

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FAQ

How do I compare car insurance in Malaysia?
Compare insurers by looking at premium estimates, coverage types, add-ons (windscreen, flood, towing), claims process, panel workshop network, and roadside assistance. Motoo helps you compare all these in one place.
Which is better — comprehensive or third-party?
Comprehensive covers own damage + third party and is recommended for cars under 10 years old or worth over RM 30,000. Third-party is cheaper but only covers damage to other vehicles and property.
Can I switch insurers mid-policy?
Yes, you can cancel your current policy and get a pro-rated refund (minus cancellation fees), then buy a new policy. Use our cancellation guide for step-by-step instructions.
How long does it take to compare and buy?
With Motoo, comparing estimates takes under a minute. Getting final quotes from licensed agents typically takes 1-24 hours via WhatsApp.
Is Takaful motor insurance different?
Takaful motor insurance is Shariah-compliant and follows Islamic principles (no interest/riba, mutual risk-sharing). Coverage is similar to conventional insurance but the structure differs.
What add-ons should I prioritise?
Windscreen cover and flood/special perils are most important for Malaysian drivers. Towing is useful for older cars. All-drivers cover is recommended if multiple people drive your car.

Motoo is an independent comparison platform. We are not a licensed insurance broker. All premium ranges are estimates. Final quotes depend on insurer underwriting, vehicle details, and NCD record.