Motorcycle Road tax and Insurance Calculator Malaysia 2025
Want to know your full yearly cost of owning a motorcycle? Our calculator helps you estimate both motorcycle insurance and road tax together in one simple step. Just enter your bike’s engine capacity, coverage type, NCD, and optional add-ons – and you’ll instantly see your total cost.
What is a Motorcycle Insurance Calculator?
A motorcycle insurance calculator helps you calculate the estimated insurance premium before renewing or buying a new policy. With just a few inputs, you can see the cost of Third Party or Comprehensive coverage, including NCD discounts and stamp duty.
How to Use the Motorcycle Insurance Calculator Online
Select your Coverage Type – Third Party or Comprehensive.
Enter the Sum Insured (RM).
Choose your Engine Capacity (cc).
Select your No-Claim Discount (NCD).
(Optional) Add Road Tax for a full calculation.
Click Calculate → and see your estimated premium instantly.
Factors That Affect Motorcycle Insurance Premiums in Malaysia
Engine Capacity (CC): The larger the engine, the higher the premium.
Coverage Type: Comprehensive is more expensive than Third Party.
NCD (No Claim Discount): The longer you go without claims, the cheaper your premium.
Motorcycle Age: Newer motorcycles usually cost more to insure.
Accident History: If you’ve made claims before, your premium may increase.
Compare Popular Motorcycle Insurance Companies
Some of the top motorcycle insurance providers in Malaysia include:
Allianz
Zurich
Etiqa
Takaful Ikhlas
Berjaya Sompo
MyEG
With our calculator, you can compare protection costs before choosing the best insurer for your budget.
Why Calculate Motorcycle Insurance Early?
Avoid surprise costs when renewing road tax & insurance. Plan your monthly or yearly budget better. Choose the right insurance type for your motorcycle. See long-term savings through NCD growth over 3–5 years.
Road Tax + Motorcycle Insurance Calculator
Many riders in Malaysia want to calculate both road tax and insurance together. With our added function, you can see the total amount you’ll need to pay when renewing your motorcycle documents.
Which motorcycle insurance is the cheapest in Malaysia?
The cheapest motorcycle insurance is usually Third Party coverage, as it only protects against damage or injury you cause to others. Comprehensive coverage costs more but includes your own motorcycle. Premiums also depend on your bike’s CC, age, and your No Claim Discount (NCD).
Is motor insurance compulsory in Malaysia?
Yes. Under Malaysian law, all vehicles including motorcycles must have at least Third Party insurance before you can renew your road tax. Riding without insurance is illegal and can lead to penalties.
Which insurance company is the cheapest in Malaysia?
There isn’t a single cheapest company for everyone, since premiums vary by bike type and rider profile. Popular insurers include Allianz, Zurich, Etiqa, Takaful Ikhlas, Berjaya Sompo, and MyEG. Always compare quotes before making a decision.
Which motor insurance is best in Malaysia?
The best insurance depends on your needs. If you want the lowest cost, Third Party is best. For peace of mind and full protection, Comprehensive is better. Some riders prefer insurers with fast claims and strong customer service.
How much NCD do I get per year?
For motorcycles in Malaysia, the NCD increases every year you ride claim-free, up to a maximum of 25% after 5 years:
Year 1: 0%
Year 2: 15%
Year 3–5: 25% (maximum)
Can I transfer my NCD to another motorcycle?
Yes, you can transfer your NCD when you buy a new motorcycle, but it must remain under the same name. You can’t share NCD across two active motorcycles.
Can I transfer my NCD to my wife or family member?
No. NCD cannot be transferred to another person, even a spouse. It belongs to the policyholder, not the vehicle.
How do I check my NCD in Malaysia?
You can check your current NCD with your insurer, via MyEG, or through the PIAM (Persatuan Insurans Am Malaysia) NCD database. Some insurers also provide an NCD checker online.
Which motorcycle insurance coverage is the best?
Comprehensive coverage is the best for full protection, as it covers your motorcycle against theft, fire, accidents, and third-party liability. Highly recommended for new or high-value bikes.
How do I get cheaper motorcycle insurance in Malaysia?
Keep a clean riding record to maintain your NCD.
Choose a lower coverage plan (Third Party if budget is tight).
Compare quotes from multiple insurers.
Skip unnecessary add-ons if you don’t need them.
Why Combine Road Tax and Insurance?
Most riders in Malaysia need to renew both insurance and road tax at the same time. By using our calculator, you don’t need two separate tools – you’ll know:
Insurance Premium (Third Party or Comprehensive)
Stamp Duty (RM10)
Road Tax based on engine CC
Total Amount (Insurance + Road Tax)
Motorcycle Road Tax in Malaysia (Quick Reference)
Motorcycle road tax is generally affordable, but it increases with engine capacity:
Up to 150cc: RM2 – RM30
151cc – 250cc: RM50 – RM100
251cc – 500cc: RM150 – RM250
501cc – 800cc: RM300 – RM400
Above 800cc: RM500+
With our calculator, these amounts are automatically added into your total.
Example Calculation
For a 150cc motorcycle insured at RM5,000 with Comprehensive coverage and no NCD:
Basic Premium: RM550
Stamp Duty: RM10
Road Tax: RM30
Total Yearly Cost = RM590
Benefits of Using the Combined Calculator
✔ Save time – no need for separate insurance and road tax calculators
✔ Plan your budget more accurately
✔ Compare Third Party vs Comprehensive cost with road tax included
✔ See your long-term savings when your NCD increases
FAQ – Road Tax and Insurance in Malaysia
Do I need insurance before I can renew road tax?
Yes. In Malaysia, you must have valid motorcycle insurance before renewing road tax.
Why is road tax different in East Malaysia?
Road tax in Sabah and Sarawak is generally cheaper compared to Peninsular Malaysia.
Can I calculate car road tax here too?
This tool is focused on motorcycles. For cars, road tax is higher and depends on whether it’s a saloon (sedan/hatchback) or non-saloon (SUV, MPV, pickup).
Disclaimer: This calculator provides estimates only. Please check with your insurance company for the exact premium amount.