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Motorcycle Insurance Calculator

Calculate your motorcycle insurance premium in Malaysia

New30 years

Covers damage to other vehicles and property only

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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Compare Prices From 15+ Insurers

Allianz
Etiqa
Zurich
Zurich Takaful
Tokio Marine
AXA
Tune Protect
RHB Insurance
Pacific & Orient
Chubb
Takaful Malaysia
Takaful Ikhlas
Lonpac
Berjaya Sompo
MSIG
AmGeneral
Liberty
Allianz
Etiqa
Zurich
Zurich Takaful
Tokio Marine
AXA
Tune Protect
RHB Insurance
Pacific & Orient
Chubb
Takaful Malaysia
Takaful Ikhlas
Lonpac
Berjaya Sompo
MSIG
AmGeneral
Liberty
💳 RM15 Cashback + SPayLater 12 MonthsShopee Insurance

Renew Motorcycle Insurance on Shopee

Trusted by millions — renew in minutes

RM15 ShopeePay cashback with code PQPOJB
  • ✨RM15 ShopeePay cashback when you use code PQPOJB
  • 🧑‍⚕️FREE Personal Accident (PA) coverage
  • 💳SPayLater — pay in instalments up to 12 months
  • 🏷️Extra 10% off when you pay with SPayLater
  • ☪️Takaful available — Zurich Z-Rider Takaful
  • 🛣️FREE 24/7 roadside assistance
Renew on Shopee →

⏰ Limited offer — check your price now

Kaedah pembayaran:

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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 CCThird Party (from)Comprehensive (from)
Below 150ccRM67.50RM150+
150cc - 250ccRM90RM300+
250cc - 500ccRM180RM500+
Above 500ccRM360RM800+

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.

Related Calculators

Motorcycle Insurance Calculator

Full calculation with road tax

Allianz Motorcycle Insurance

Get Allianz quote

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+.