Comprehensive car insurance for the BYD Atto 2 (EV; OTR ~RM100,700 in Peninsular Malaysia) typically costs about RM1,500-RM2,400 per year for a new car with 0% NCD. Premiums reduce as your NCD builds to 55%. Indicative estimate — get a quote from insurers or your BYD dealer. Price from BYD Malaysia.