Your Guide to CTPL Insurance Rates: Vehicle Categories and Examples

Your Guide to CTPL Insurance Rates: Vehicle Categories and Examples

Welcome to the topic Your Guide to CTPL Insurance Rates: Vehicle Categories and Examples

Getting CTPL insurance in the Philippines is as easy as 1-2-3! At Perla Insurance, we strive to make the process seamless for you. With over 60 years in the business, we understand the needs of Filipino vehicle owners and ensure a hassle-free experience. Our streamlined system allows you to secure your CTPL insurance quickly and efficiently. Whether you own a motorcycle, sedan, SUV, or truck, we’ve got you covered. Let’s dive into the details and help you get the right coverage at the right price.

In the Philippines, having Compulsory Third Party Liability (CTPL) insurance is a legal requirement for all vehicle owners. But beyond compliance, it’s crucial to pay the right price to avoid additional online costs and ensure you get the best value for your money. At Perla Insurance, we offer transparent pricing and quick processing to help you meet your insurance needs without any fuss. By understanding the different vehicle categories and their corresponding CTPL rates, you can make an informed decision. This guide will walk you through the CTPL insurance rates for various vehicle categories and provide examples to illustrate how straightforward it is to get insured. Remember, the right coverage not only fulfils legal obligations but also protects you financially in case of accidents.

Your Guide to CTPL Insurance Rates: Vehicle Categories and Examples

Buying CTPL insurance has never been easier for motor vehicle owners in the Philippines. At Perla Insurance, you can obtain your CTPL in just 2 hours during office hours (Monday to Friday, 8 am to 5 pm, except holidays). Below is the CTPL price list for different vehicle categories, along with examples to guide you on how much your CTPL insurance will cost.

CTPL Price List

Motorcycles: P330.40

Sedans: P640.40

SUVs, Vans, and Pick-ups: P690.40

All Trucks: P1,280.40

Please note, we do not issue CTPL for “For Hire” vehicles.

Motorcycles – P330.40

This rate applies to all types of motorcycles, including tricycles used for private purposes (not for hire).

Here are some examples of motorcycles covered under this category:


Honda Click 125i, BeAT Fi , XRM 125, CRF150L, CBR150R
Yamaha Mio i 125, NMAX 155, YZF-R15, Sniper 150, XTZ 125
Suzuki Raider R150, Skydrive Sport, Burgman Street, Gixxer 150, GSX-R150
Kawasaki Rouser NS160, Barako II, Dominar 400, Ninja 400, KLX 150BF
KTM Duke 200, RC 200, 390 Adventure, 690 SMC R, 790 Duke
Ducati Panigale V4 (1,103 cc), Multistrada V4 (1,158 cc), Streetfighter V4 (1,103 cc), Diavel 1260 (1,262 cc), Scrambler 1100 (1,079 cc)
BMW S 1000 RR (999 cc), R 1250 GS (1,254 cc), F 900 R (895 cc), K 1600 GT (1,649 cc), R nineT (1,170 cc)


Bajaj RE, Maxima Z
TVS King Deluxe, King Duramax
Piaggio Ape City, Ape Xtra LDX
Kawasaki CT100, CT150

Sedans – P640.40

This category also includes all hatchback types. Here are examples of sedans and hatchbacks covered under this category:


Toyota Vios
Honda City
Mitsubishi Mirage G4
Nissan Almera
Hyundai Accent
Suzuki Ciaz
Mazda 3 Sedan
Ford Fiesta Sedan
Chevrolet Sail
Kia Soluto
Volkswagen Santana
MG 5
Subaru Impreza
Geely Emgrand
Chery Arrizo 5
Peugeot 508
BMW 3 Series
Mercedes-Benz C-Class
Audi A4
Lexus IS


Toyota Wigo
Honda Brio
Mitsubishi Mirage
Suzuki Swift
Kia Picanto
Hyundai i10
Ford Fiesta Hatchback
Mazda 2 Hatchback
Chevrolet Spark
Volkswagen Polo
Nissan March
Geely LC
Chery QQ

SUVs, Vans, and Pick-ups – P690.40

This category also includes crossovers, AUVs (Asian Utility Vehicles), multicabs, and all types of vehicles above the sedan category. Here are some examples:

SUVs (Sport Utility Vehicles):

Toyota Fortuner
Mitsubishi Montero Sport
Nissan Terra
Ford Everest
Chevrolet Trailblazer
Hyundai Santa Fe
Kia Sorento
Mazda CX-9
Isuzu mu-X
Subaru Outback

AUVs (Asian Utility Vehicles):

Toyota Innova
Mitsubishi Adventure (though discontinued, it was popular)
Isuzu Crosswind (discontinued but still relevant)
Suzuki APV
Foton Gratour
Tata Xenon
Chery Q22B
JMC Orion
Mahindra Enforcer


Toyota Hiace
Nissan NV350 Urvan
Hyundai Starex
Kia Carnival
Ford Transit
Foton View
Maxus G10
Chevrolet Express
Mercedes-Benz V-Class
Volkswagen Multivan Kombi


Toyota Hilux
Mitsubishi Strada
Ford Ranger
Nissan Navara
Isuzu D-Max
Chevrolet Colorado
Mazda BT-50
Foton Thunder
Tata Xenon
SsangYong Musso


Honda CR-V
Mazda CX-5
Toyota RAV4
Nissan X-Trail
Subaru Forester
Ford EcoSport
Hyundai Tucson
Kia Sportage
Chevrolet Trax


Suzuki Carry
Daihatsu Hijet
Mitsubishi Minicab
Subaru Sambar
Honda Acty
Mazda Scrum
Nissan Vanette
Hyundai Porter
Chana Star
FAW Minivan

Higher-end Vehicles:

Lexus RX
Mercedes-Benz GLE
Audi Q7
Volvo XC90
Porsche Cayenne
Jaguar F-Pace
Land Rover Discovery
Range Rover Velar
Maserati Levante

All Trucks – P1,280.40

This category includes all types of trucks. Here are some examples:

Isuzu N-Series, F-Series, C&E Series
Fuso Canter, FJ Series, FI Series
Hino 300 Series, 500 Series, 700 Series
Nissan Atlas
Toyota Dyna
Benz Actros
Benz Arocs
Volvo FMX
Volvo FH
Foton Tornado
Foton Auman
JAC Prince
JAC Gallop
Dongfeng Captain
Dongfeng KR
Sinotruk Howo
Hyundai HD36L
Hyundai HD65
Kia K2500
Tata LPT
Tata Prima
FAW Tiger V


Perla Insurance offers a comprehensive guide to CTPL insurance rates, making it easy for vehicle owners in the Philippines to understand their options. CTPL insurance rates vary depending on the type of vehicle. This guide includes specific examples of vehicles in each category, from Honda Click 125i motorcycles to Toyota Vios sedans, and Toyota Hiace vans to Isuzu N-Series trucks. Perla Insurance does not issue CTPL for “For Hire” vehicles, ensuring that private vehicle owners can quickly and easily secure their insurance during office hours. With a transparent pricing structure and quick processing times, Perla Insurance ensures that compliance and financial protection are within reach for every motor vehicle owner in the Philippines. Understanding these rates helps you make informed decisions, avoid unexpected costs, and ensure you get the best value for your money.


At Perla Insurance, we uphold the values of Integrity, Service Excellence, and Financial Stability. With 60 years of experience as a premium non-life insurance provider in the Philippines, we are proud to be one of the best in the industry. Our commitment to offering top-notch TPL and Comprehensive insurance products ensures that you have peace of mind and financial security on the road. We take pride in our customer service and fast claims processing, making your experience as smooth as possible.

We invite you to follow Perla Insurance on Facebook, Instagram, YouTube, and TikTok to stay updated with our latest offerings and tips.


Stay up to date on vital topics related to car safety and insurance in the Philippines by visiting our YouTube channel, ‘Perla Insurance.’

We address often asked concerns through our simple animated videos from our new “Perla Cares” series. This is to keep our viewers informed and to make this essential information more accessible to the general public from a reliable source- such as a well-trusted insurance company in the Philippines.

We also encourage our viewers to offer comments on topics they’d like to see covered in future videos so that we can make sure they’re getting the knowledge they require.


Like “PerlaInsuranceOfficial” on Facebook to help us develop our community’s relationships by increasing interaction and participation.

We’re also available to assist our community with any insurance-related inquiries.

If you choose to avail of our services, you can reach out to us via Facebook. Our team will provide you with extra information, lead you through the process, and explain the technique in greater depth.

Perla Insurance is proud to be one of the best car insurance companies in the Philippines. We not only provide the best car insurance, but also pride ourselves in our fast and personalized claims servicing whether you choose TPL Insurance or Comprehensive Insurance.

Both our TPL Insurance and Comprehensive Insurance packages will set your mind at ease when it comes to the protection and safety of your vehicle, yourself, and your loved ones.

Perla Insurance is concerned about our client’s well-being, as it always has been. As the Philippines’ best insurance company, we strive to meet our customers’ needs by delivering nothing less than the best auto insurance.

We strive to provide the highest level of service quality and the most benefits possible, ensuring that you receive the best return on your investment.

Because Perla Insurance is synonymous with high-quality insurance, the top insurance company in the Philippines guarantees both assurance and service excellence with all our customers.

If you have any questions regarding the topic “Your Guide to CTPL Insurance Rates: Vehicle Categories and Examples,” feel free to comment below. Your journey to secure and reliable insurance starts with us, and we are here to assist you every step of the way.

Also Read: How to Apply for CTPL Insurance in the Philippines

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