Car insurance estimator
See roughly what you'll pay to insure a car in Kenya before you buy it, including levies and popular add-ons.
Comprehensive
KSh 72,866/year
about KSh 6,072/month · covers theft, fire, accident damage and third parties
Third party only
KSh 7,574/year
legal minimum — does not cover damage to your own car
How we worked it out
- Basic premium (4.25% of KSh 1,500,000)KSh 63,750
- Excess protectorKSh 5,000
- Political violence & terrorismKSh 3,750
- Training levy + PHCF (0.45%)KSh 326
- Stamp dutyKSh 40
Estimate based on typical published Kenyan rates. Rates are negotiable and vary by insurer, your driving history and the car's valuation — get quotes from IRA-licensed insurers before you buy.
Good to know
Comprehensive cover is priced as a percentage of the car's value, with a minimum premium. Insurers usually ask for a valuation report first.
Third party only is the legal minimum. It covers injury and damage you cause to others, not your own car.
Every policy adds the training levy and policyholders' compensation fund (0.45%) and KSh 40 stamp duty.
Using the car for Uber, Bolt or deliveries needs commercial/PSV cover — a private policy may not pay out.