Cheapest Motorcycle Insurance Malaysia 2026

Your Insurance Premium

Annual Premium

RM 85.60

Third Party Coverage

Road Tax (Annual)

Motorcycle Road Tax

RM 2.00

Engine

Below 150cc

Total Annual Cost

Insurance + Road Tax

RM 87.60

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Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

Monthly

10 yrs

20 yrs

30 yrs

RM300/mo

RM61k

RM228k

RM678k

RM500/mo

RM102k

RM380k

RM1.13M

RM531/mo

RM109k

RM404k

RM1.2M

How to Find the Cheapest Motorcycle Insurance in Malaysia

Looking for the cheapest motorcycle insurance? You're not alone. With premiums varying significantly between insurers, knowing how to compare can save you hundreds of ringgit every year.

Tips to Get the Cheapest Premium

Maintain your NCD - Up to 55% discount for claim-free years
Choose Third Party - Much cheaper than comprehensive
Compare multiple insurers - Prices vary significantly
Renew on time - Don't let your NCD lapse
Install anti-theft device - Some insurers offer discounts

Cheapest Motorcycle Insurance by Engine CC

Engine CC	Third Party (from)	Comprehensive (from)
Below 150cc	RM67.50	RM150+
150cc - 250cc	RM90	RM300+
250cc - 500cc	RM180	RM500+
Above 500cc	RM360	RM800+

Pro Tip: Third party insurance is often 50-70% cheaper than comprehensive. If your motorcycle is older or low-value, third party might be the smarter choice.

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Frequently Asked Questions

Which is the cheapest motorcycle insurance in Malaysia?

Third party starts from RM70/year (small cc, full NCD). Etiqa, Takaful Malaysia, and MSIG often competitive. Cheapest comprehensive: compare via RinggitPlus or insurans.com.my — RM180–600 for similar bikes. Full NCD (55%) gives biggest discount off comprehensive premium.

What is the minimum motorcycle insurance required in Malaysia?

Third party insurance is the legal minimum under Road Transport Act 1987. Without valid insurance, road tax cannot be renewed. Penalty for no insurance: RM20,000 fine or 3 years jail (causing death while uninsured). Third party covers RM300,000–unlimited third party bodily injury liability.

How do I get cheaper motorcycle insurance in Malaysia?

Tips: maintain clean NCD (no claims), install tracking device for theft discount, choose higher excess, avoid modifications that increase premium, compare quotes online, buy direct from insurer (no agent markup). Anti-theft device discount can save 2–5% on comprehensive premium.

Does motorcycle insurance cover pillion rider injuries?

Third party covers pillion injuries if caused by your negligence. Comprehensive own-damage does not cover pillion medical cost — need separate personal accident rider (PA). Pillion PA add-on: ~RM30–80/year. Highly recommended as medical bills after accident can be RM5,000–50,000+.