Buying a car involves more than the sticker price and monthly loan payments. You also need to consider the ongoing costs of keeping your car legal and safe on the road.
In Malaysia, many drivers see the Perodua Bezza as a great mix of affordability, space, and fuel efficiency. As a top-selling A-segment sedan, it appeals to first-time buyers, small families, and daily commuters.
Before purchasing this popular car, it is important to understand the financial commitment needed to protect it. This guide breaks down exactly what you can expect to pay for insurance on a Perodua Bezza.
Average Insurance Cost for Perodua Bezza by Variant (2026)
For a new 2026 Perodua Bezza with 0% NCD (No Claim Discount), here is an estimated breakdown of comprehensive insurance premiums:
| Perodua Bezza Variant | Estimated Market Value (2026) | Estimated Annual Premium |
| 1.0 G (Manual) | RM 36,000 | RM 1210 – RM 1250 |
| 1.0 G (Auto) | RM 38,000 | RM 1265 – RM 1310 |
| 1.3 X (Auto) | RM 45,800 | RM 1480 – RM 1530 |
| 1.3 AV (Auto) | RM 52,000 | RM 1650 – RM 1720 |
Must-Have Add-Ons for Your Bezza
A standard comprehensive car insurance policy in Malaysia covers accidents, theft, and third-party liability. However, many drivers miss out on important add-ons that can offer better protection and help lower unexpected expenses.
Here are some important add-ons that every Bezza owner should think about:
- Special Perils Coverage (Flood, Storm & Natural Disasters)
Given Malaysia’s unpredictable weather, this covers damage from floods, fallen trees, or landslides. It usually costs about 0.2%-0.5% of your sum insured.
🌟For Example: RM30,000 to RM50,000 = RM60-RM250 per year
This option is recommended for drivers in flood-prone areas such as Kelantan, Selangor, and Johor, as well as those who park outdoors or along the roadside.
- Windscreen Coverage
The windscreen is one of the most frequently damaged parts of your car, especially on Malaysia’s highways.
Replacing the windscreen for your Bezza can cost more than RM 700. Purchasing coverage for RM105 to RM150 allows replacement without affecting your NCD.
This coverage is ideal for frequent highway drivers and daily commuters who are exposed to road debris.
- E-Hailing Add-on:
If you plan to use your Bezza for e-hailing services such as Grab, this add-on is required, as standard personal insurance does not cover commercial use. Without this extra coverage, your insurer may deny any claims resulting from an accident.
The cost of this add-on depends on your insurer, but it usually ranges from RM300 to RM720 per year.
Factors Affecting Your Bezza Car Insurance Costs In Malaysia
Drivers often notice significant differences in car insurance premiums when comparing with others. This happens because insurance companies assess each person’s situation and consider various risk factors.
To better understand what you are paying for, let’s break down the key factors that directly influence your car insurance premium in Malaysia.
- Vehicle Model and Engine Capacity
The specific model of your Perodua Bezza affects how much you pay for insurance. Perodua Bezza is available with either a 1.0-liter or 1.3-liter engine.
Cars with bigger engines and higher values usually cost more to repair or replace, so their insurance premiums are higher.
- Coverage Type
There are 3 main coverage options to choose from, which are third-party, third-party fire and theft, or comprehensive.
Comprehensive insurance provides the most protection, covering damage to your car and third-party property, but it is the most expensive.
While third-party insurance is the most affordable option, it only covers damage or injury caused to other parties, with no protection for your own vehicle.
- Driver Profile
An insurance company also considers the driver’s profile. Younger drivers and new license holders usually pay higher premiums because they are more likely to be involved in accidents.
Location also affects rates; drivers in urban areas like Kuala Lumpur often pay more than those in rural towns because of higher risks of accidents and theft.
How to Choose the Best Car Insurance Providers In Malaysia?
Choosing the right insurance policy involves more than comparing prices. Look for a provider with reliable customer service, a simple claims process, and the specific coverage add-ons you require.
To find the top car insurance in Malaysia, use online comparison tools like Key Plus, which allow you to compare multiple quotes from different insurers at once, saving you time and effort. By entering your vehicle and personal details, you can see accurate prices and coverage options within minutes.
Conclusion
Car insurance is essential for every Perodua Bezza owner. A new comprehensive policy usually costs between RM1,200 and RM1,800 per year, but your exact premium depends on factors such as your driving record, where you live, and which Bezza model you have.
Instead of relying on estimates, it is always best to check your exact rate based on your personal profile.
Want to know your exact Bezza car insurance price? Visit Keyplus malaysia today to get a personalized quote in just a few minutes.