• By Raymond Momanyi

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
 
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