Magkano ang Insurance ng Sasakyan? Mabilis na Sagot

Magkano nga ba ang insurance ng sasakyan? Depende kung CTPL lang o comprehensive, at kung kotse o motor. Here are the short answers, with the official numbers and the prices sellers listed when we checked on 28 October 2026. Kung gusto mo ng buong detalye, click the guide under each answer.

AutoInsurance.ph is an independent guide run by Dominet BV. We're not an insurer, agent or broker, and we don't sell policies or give personal prices. Some links on this site may be affiliate links, which means we may earn a commission if you buy through them. Local insurers we mention may not pay us anything. That never changes what we write. Read our affiliate disclosure. No insurer on this page pays us.

Magkano ang CTPL ng kotse?

Sa Insurance Memorandum Circular 4-2006 ng Insurance Commission, ang total CTPL premium para sa private car, jeep o utility vehicle ay P560 for 1 year o P1,610 for 3 years, kasama na ang taxes. IMC 2024-01 kept these rates when it raised the benefits in 2024.

Some sellers list more. As listed on 28 October 2026, Cebuana Lhuillier showed P610.40 and GCash showed P560 for cars. Kung mas mataas sa P560, tanungin kung para saan ang difference.

Full guide: CTPL insurance in the Philippines

Magkano ang CTPL ng motor?

P250 for 1 year o P720 for 3 years for motorcycles, tricycles and trailers, sa IMC 4-2006. As listed on 28 October 2026, sellers showed P280 to P300.40.

Full guide: Motorcycle insurance in the Philippines

Saan pwedeng bumili ng CTPL?

Sa insurers mismo, sa pawnshops tulad ng Cebuana Lhuillier, M Lhuillier at Palawan, at sa apps tulad ng GCash. Ang importante: licensed ng Insurance Commission ang insurer at may Confirmation of Cover (COC) ka na tatanggapin ng LTO.

Full guide: Where to buy CTPL

Magkano ang comprehensive insurance ng kotse?

Depende sa value ng kotse mo. Sa motor car tariff ng Insurance Commission (rates as of 1 January 2015), ang own damage and theft para sa private car ay 1.25% to 3.75% ng sum insured. Dagdag pa ang Acts of Nature, third party liability at iba pang add-ons.

Halimbawa lang: para sa kotse na P1,000,000 ang value, ang own damage and theft sa tariff ay P12,500 to P37,500. With CTPL, Acts of Nature at basic bodily injury cover, our worked example comes to about P18,255 to P43,255 a year. Illustration lang ito, hindi presyo para sa kotse mo.

Listed prices on 28 October 2026: Oona Car Insurance from P4,500 a year, Standard Car Protect on GCash at P6,700, and Kwik Comprehensive on GCash at P2,628.05, which GCash says varies with the car's value.

Full guide: How much car insurance costs

Magkano per month?

Most car insurance is paid per year. Kung hahatiin mo sa 12 ang worked example sa itaas, about P1,521 to P3,605 a month. Pero illustration lang ito. Ask the insurer kung may installment option sila at kung may dagdag na bayad.

Kailangan ko ba ng comprehensive o CTPL lang?

CTPL lang ang required ng batas. Hindi nito sinasagot ang sira ng sarili mong kotse, ang ibang sasakyan o ari-arian, o ang pagnanakaw. Comprehensive ang sumasagot diyan. Kung financed ang kotse mo, check your loan contract.

Full guide: Comprehensive vs CTPL

Paano kung may aksidente?

May deductible o participation fee ka, at sa claims circular ng Insurance Commission, may depreciation sa parts after the car's third year. Read our full guide para alam mo kung magkano ang sasagutin mo.

Full guide: How to use your car insurance

Ano ang pinakamagandang car insurance?

Walang iisang sagot. Compare Acts of Nature, deductible, depreciation, third party limits, roadside assistance at ang age limit ng kotse.

Full guide: Best car insurance in the Philippines: how to choose

Frequently asked questions

Magkano ang CTPL sa LTO ngayong 2026?

Ang official IMC 4-2006 total ay P560 para sa private car at P250 para sa motor, for 1 year. Some sellers list higher prices, so ask what the difference is for.

How much is car insurance per year in the Philippines?

CTPL is P560 a year for a private car at the official rate. Comprehensive depends on the car's value. Our tariff-based example for a P1,000,000 car is about P18,255 to P43,255 a year.

Kasama na ba ang CTPL sa comprehensive?

Pwede. Circular Letter 2021-54 allows comprehensive with CTPL, or comprehensive without CTPL if you already have a separate stand-alone CTPL. Check the policy and the COC.

Bakit iba-iba ang presyo ng CTPL?

Fixed ng Insurance Commission ang premium rate, pero some sellers list higher totals or extra fees. Humingi ng official receipt at itanong kung para saan ang dagdag.