Car Insurance in Kenya: Types, Costs, and What You Need to Know

By Magari Poa on 16/09/2025

Car insurance in Kenya is not just a legal requirement — it's also a safety net that protects you financially in case of accidents, theft, or damage. However, many drivers are often confused about the different types of policies, what they cover, and how much they cost. If you're buying a car or renewing your cover, here's everything you need to know about car insurance in Kenya.

1. Types of Car Insurance in Kenya

Kenya's insurance industry is regulated by the Insurance Regulatory Authority (IRA), and motor insurance is classified into three main types:

a) Third-Party Only (TPO)

Covers: Damage, injury, or death caused to a third party (people, vehicles, or property).
Does NOT cover: Your car or personal injuries.
Who it suits: Budget-conscious drivers, owners of old/low-value vehicles.
Legal Requirement: Minimum insurance required to drive in Kenya.

b) Third-Party, Fire, and Theft (TPFT)

Covers: Third-party liabilities, plus loss/damage to your car caused by fire or theft.
Does NOT cover: Accidental damage to your car.
Who it suits: Drivers who want a balance between affordability and wider protection.

c) Comprehensive Cover

Covers: Third-party liabilities, accidental damage, theft, fire, floods, riots, and more.
Includes: Personal accident cover for passengers (depending on insurer).
Who it suits: New cars, high-value cars, or anyone who wants maximum protection.

2. Car Insurance Costs in Kenya

The cost of car insurance depends on several factors:

? Type of cover – Comprehensive costs more than TPO.
? Car value – New/high-value cars attract higher premiums.
? Usage – Private, PSV (matatus, taxis), or commercial vehicles have different rates.
? Driver's profile – Age, experience, claims history, etc.
? Insurance company – Rates vary by insurer.

Average Premiums in Kenya (2025 estimates):

Third-Party Only (TPO): Ksh 5,000 – 7,500 per year.
Third-Party Fire & Theft (TPFT): Ksh 10,000 – 20,000 per year.
Comprehensive: 3% – 5% of the car's value (minimum ~Ksh 20,000).

3. How to Choose the Right Car Insurance

When choosing insurance in Kenya, consider:

Your car's value – Don't over-insure or under-insure.
Your budget – Pick cover you can sustain yearly.
Claim process – Check reviews on how quickly the insurer pays claims.
Extra benefits – Roadside assistance, courtesy car, medical cover, etc.

4. Key Documents Needed for Insurance

To get insured, you'll need:

Copy of logbook
National ID & KRA PIN
Driving license copy
Car inspection certificate (for comprehensive)

Final Word

Car insurance in Kenya is a must-have, but choosing the right type can save you money and stress in the long run. For cheap, older vehicles, TPO works fine. For newer or higher-value cars, comprehensive cover is the safest option. Always compare different insurers on MagariPoa.com before deciding.