Comprehensive car insurance for the Audi A3 Sedan (OTR ~RM327,162 in Peninsular Malaysia) typically costs about RM4,500-RM6,500 per year for a new car with a 0% NCD, depending on sum insured, driver profile and add-ons (e.g. windscreen, special perils). Premiums drop as your No-Claim Discount (NCD) builds up to 55%. This is an indicative estimate — get a quote from insurers like Allianz, Etiqa, MPI, Zurich or your Audi dealer for the exact figure. Prices from Audi Malaysia.