How Much Is Proton X50 Insurance in Malaysia?
From RM 900 to RM 1,400/year for comprehensive coverage. The X50's higher market value and turbo engine mean higher premiums, but competitive rates are available.
Quick X50 Insurance Estimate
This is an estimate. Final premium depends on insurer underwriting, vehicle details, NCD record, add-ons, and JPJ/MyCarInfo data.
X50 Insurance Price Table by Year & Variant
Estimated annual comprehensive premium with 0% NCD.
| Variant | Year | CC | Market Value | Comprehensive | TPFT | TPO | Road Tax |
|---|---|---|---|---|---|---|---|
| 1.5 TGDI Flagship | 2025 | 1477 | RM 103,300 | RM 1,380 | RM 780 | RM 420 | RM 90 |
| 1.5 TGDI Premium | 2025 | 1477 | RM 93,300 | RM 1,260 | RM 730 | RM 400 | RM 90 |
| 1.5T Standard | 2025 | 1477 | RM 79,800 | RM 1,100 | RM 660 | RM 370 | RM 90 |
| 1.5 TGDI Flagship | 2024 | 1477 | RM 92,000 | RM 1,240 | RM 720 | RM 395 | RM 90 |
| 1.5T Standard | 2023 | 1477 | RM 70,000 | RM 990 | RM 610 | RM 350 | RM 90 |
* Estimated premiums based on 0% NCD. With NCD discount, your actual premium will be lower. Road tax shown is for Peninsular Malaysia.
X50 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 345 |
| 2 years no claim | 30% | -RM 414 |
| 3 years no claim | 38.33% | -RM 529 |
| 4 years no claim | 45% | -RM 621 |
| 5+ years no claim | 55% | -RM 759 |
NCD Saving Tip
With 55% NCD, you could save over RM 700/year on X50 comprehensive coverage — well worth maintaining a clean claims record!
Try the NCD CalculatorComprehensive vs Third Party for X50
Which coverage type makes sense for your Proton X50?
Comprehensive
RM 1,380- Own damage from accidents
- Theft & fire protection
- Third-party liability
- Flood & natural disaster
Verdict: Best for X50 under 10 years or with outstanding loan
Third Party Fire & Theft
RM 780- Third-party liability
- Fire damage to own car
- Theft of own vehicle
- Personal accident cover
Verdict: Good for X50 10-15 years with moderate value
Third Party Only
RM 420- Third-party bodily injury
- Third-party property damage
- Personal accident cover
Verdict: For very old X50 (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 X50
Compare the top insurance providers for X50 coverage in Malaysia.
Allianz
Best for: Full protection- Good SUV coverage
- Panel workshops
- Premium on higher side
Zurich
Best for: Premium coverage- Flexible add-ons
- Strong claims
- Higher rates
Tokio Marine
Best for: Best claims experience- Excellent service
- NCD protection
- Most expensive
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 X50 insurance.
Proton X50 insurance costs between RM 900 to RM 1,400/year for comprehensive coverage, making it pricier than smaller Proton models due to higher market value.
The X50 has a higher market value (RM 80K-103K) and turbo engine. SUVs generally have higher premiums than sedans of similar value.
Windscreen (worth it for the large windscreen), flood cover (important for SUVs in flood-prone areas), and betterment waiver (if your X50 is under 5 years).
Ready to Get Your X50 Insurance Quote?
Compare quotes from multiple licensed insurers. No obligation, free estimates, and personalized recommendations for your Proton X50.
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.