Class 1 insurance with premiums by region – Motor By Region, from THB 13,600
- Updated: 15 October 2026
Class 1 insurance with premiums by region – Motor By Region, from THB 13,600
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 13,600 per year, including tax and stamp duty, excluding compulsory motor insurance (CMI)
Highlights: Class 1 garage repair insurance with premiums based on the region where the car is used, for 15 popular models and cars aged 2–15 years
Say you use your car in Khon Kaen, but the Class 1 premium you were quoted is priced the same as for a car in Bangkok, even though the roads are less crowded and the risk is not the same. With a plan that prices premiums by region, you might pay less.
Class 1 insurance with regional premiums: which models does it accept, how much do premiums differ, and what should you check before buying?
Who is Class 1 Motor By Region insurance for, and how much does it cost?
In short: Bangkok Insurance's Class 1 Motor By Region insurance suits owners of the 15 listed models, such as the D-Max, Revo, Fortuner, CR-V, Civic and Mazda 2, aged 2–15 years, who want a premium based on the region where the car is actually used. It covers damage to the car, theft and fire up to the sum insured, third-party property damage of THB 2,500,000 and network garage repair. Premiums start from THB 13,600 per year for a 4-door D-Max aged 8–15 years outside Bangkok (as at 15 October 2026, excluding CMI). The actual premium depends on the model, the age of the car, the sum insured and the region.
What does Class 1 Motor By Region insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Own damage | Up to the sum insured | Network garage repair |
| Theft / fire | Up to the sum insured | – |
| Third-party bodily injury or death | THB 1,000,000 per person | Up to THB 20,000,000 per accident in total |
| Third-party property | 2,500,000 | – |
| Personal accident / medical expenses | 50,000 / 50,000 | 7 seats |
| Driver bail bond (criminal cases) | 250,000 | – |
| Terrorism | Up to the sum insured, maximum 1,400,000 | – |
This plan includes 24-hour emergency roadside assistance throughout Thailand. See the policy for details of the service.
Roughly how much is the premium for Class 1 Motor By Region insurance?
Annual premiums for cars used in Bangkok and vicinity, including tax and stamp duty, excluding CMI, with the CCTV camera discount already included. Data as at 15 October 2026
| Model | Vehicle age 2–3 years | Vehicle age 8–15 years |
|---|---|---|
| Isuzu D-Max 4-door | 17,000 | 13,900 |
| Isuzu D-Max 2-door | 18,500 | 14,300 |
| Isuzu MU-X / MU-7 | 16,400 | 14,000 |
| Mazda 2 | 19,800 | 16,000 |
| Mazda CX-3 | 17,800 | 14,600 |
| Mazda CX-5 | 18,700 | 15,300 |
| Mazda BT-50 4-door | 17,900 | 15,700 |
| Mazda BT-50 2-door | 18,500 | 15,500 |
| Toyota Fortuner | 18,500 | 16,700 |
| Toyota Revo 4-door | 20,800 | 15,700 |
| Toyota Revo 2-door | 21,500 | 16,900 |
| Honda Civic | 23,900 | 19,000 |
| Honda Accord | 24,500 | 17,800 |
| Honda CR-V | 17,600 | 16,300 |
| Honda HR-V | 17,800 | 14,600 |
The full table is split into 8 regions: Bangkok and vicinity, North, Northeast, Central, East, West, South (excluding Phuket) and Phuket, and by vehicle age band: 2–3, 4–5, 6–7 and 8–15 years. Each band has a different sum insured. Every figure is a starting premium. The actual premium depends on the model, the age of the car, the sum insured and the region, and the quote is what counts.
Worked example: how much does the premium differ if you use the car in a different region?
- Honda Civic aged 2–3 years: Bangkok THB 23,900, Northeast THB 20,900, a difference of 23,900 − 20,900 = THB 3,000 per year
- Isuzu D-Max 4-door aged 8–15 years: Bangkok THB 13,900, Northeast THB 13,600, a difference of THB 300 per year
- Toyota Revo 4-door aged 2–3 years: Bangkok THB 20,800, Central THB 19,200, a difference of THB 1,600 per year
These examples are for illustration only. The difference varies from model to model. As a simple rule, newer cars and saloons tend to show a clearer difference between regions than older pickups.
Who is Class 1 Motor By Region insurance for?
- Owners of the 15 models in the table, aged 2–15 years, who want Class 1 insurance
- People who mainly use their car in other provinces, where many models get a lower premium than in Bangkok
- Owners of pickups registered as private pickups
- People who are happy with network garage repair rather than dealer repair
Who should not buy this plan yet?
- Imported models or Hybrid models: this plan excludes both groups.
- Cars not among the 15 models in the table, such as European cars. See Deves Class 1 dealer repair insurance for European cars
- New cars on red plates or under 2 years old, and cars over 15 years old
- People who want dealer repair: this plan is network garage repair. Send us your car details and we will compare it with dealer repair plans.
- Pickups registered for commercial use: this plan accepts private pickups only
Limits to check before you decide
- The sum insured is set as a range by vehicle age: for example, a 4-door D-Max aged 8–15 years has a sum insured of THB 200,000–500,000. The actual sum insured depends on the value of the car.
- The region used in the premium must match how the car is actually used. Please tell us the area where you really use the car.
- Personal accident and medical expenses of THB 50,000 per person, lower than some Class 1 plans
- The premium excludes CMI, and the insurer reserves the right to change its conditions
Before you choose, read Comparing car insurance in 2026: 10 things to check before you choose
Want to know the actual premium for your car? What do you need to send?
Send just 2 things
- A photo of the registration book's front page
- The front page of your current policy
Our team will send you a written quote within a business day, showing the sum insured available, the premium for your region, and CMI if you want it at the same time. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Related documents and links: Find Bangkok Insurance network garages and service centres · Fill in your details to request a quote
Frequently asked questions
Which premium group does Phuket fall into?
Phuket is a group of its own, separate from the South, and for many models the premium is the same as for Bangkok and vicinity.
Can I insure a Toyota Yaris or Honda City?
This plan's table does not include these two models. Send us your car details and our team will find another Class 1 plan that accepts the model.
Can I insure a CR-V Hybrid?
No. This plan excludes Hybrid models and imported models.
Does the premium already include the dashcam discount?
Already included. The premiums in the table already include the discount for fitting a CCTV camera in the car.
Can a 16-year-old car be insured?
No. The oldest age band in the table is 8–15 years.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on the product information for Class 1 Motor By Region car insurance from Bangkok Insurance Public Company Limited as at 15 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.
Price: THB 13,600
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