Comprehensive car insurance for the BYD Atto 3 (EV; OTR ~RM123,800-RM167,800 in Peninsular Malaysia) typically costs about RM1,800-RM3,400 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.