- Author: Raymond
- Category: Car Insurance
How Much Does Third-Party Car Insurance Cost in Kenya?
Here’s a simplified breakdown of the typical annual cost for third‑party only (TPO) car insurance in Kenya, by vehicle class:
🚗 Private Car (Personal Use)
KSh 1,500 – 15,000/year - Usually starts around KSh 7,500, but some insurers offer discounted rates as low as KSh 4,500 for budget vehicles.
🚕 PSV Taxi (Uber/Bolt or Yellow Line)
KSh 7,500 – 25,000/year - TPO is mandatory and varies by usage; typically falls between KSh 7,500 and 25,000 depending on number of passengers
🚐 Matatu (8–36 seats)
KSh 7,500 – 100,000+Larger seating = higher premiums; can hit up to KSh 140,000/year for big matatus. This premium is determined by type/model of vehicle, number of passengers and asset financing.
🚚 Commercial Pick-up
KSh 7,500 – 25,000/year - Rate depends on tonnage and use; smaller goods trucks are lower, heavier ones cost more. A lighter pick-up truck will cost between 5,000 and 8,000 per year depending on declared use (commercial own-goods or commercial for business)
🚛 Commercial Lorry (Heavy Goods Vehicle)
KSh 7,500 – 40,000+/year- Commercial heavy vehicles (10+ tonners) attract higher premiums, sometimes beyond KSh 40,000. Declared use also affects premium charge.
Why the variation?
- Vehicle class and seating: more people means higher risk.
- Tonnage: heavier vehicles = bigger damage potential.
- Insurer and broker mark-up.
- Driver/vehicle history & location can influence premium.
🔍 What TPO Covers
- ✅ Third-party bodily injury or death
- ✅ Damage to third-party property
- ✅ Passenger legal liability (PLI)
It does not cover your own car’s damage—the basic legal requirement under Kenya’s Motor Traffic Act
💡 Industry Insights
- TPO is mandatory for all road vehicles in Kenya.
- Budget-friendly for older/low‑value private cars.
- Businesses often add Goods‑in‑Transit (GIT) cover for load protection
Imana Insurance / MyKava – Quick Contact
📍 Physical Address: 4th Floor, Krishna Centre, Woodvale Grove, Westlands, Nairobi
🌐 Websites: www.imana.co.ke • www.mykava.co.ke
📞 WhatsApp / Calls: +254 796 209 402 / +254 113 619 635
📧 Email: insurance@imana.co.ke
#ImanaInsurance #MyKava #CarInsuranceKenya #TPOInsurance #MotorInsuranceKE #DriveSafeKE #SecureYourRide
