How Much Is Third-Party Car Insurance in Kenya? And How Do You Buy It Online?

15Nov

By Raymond Momanyi

How Much Is Third-Party Car Insurance in Kenya? And How Do You Buy It Online?

(Your Nairobi 2025 Guide — Powered by Imana & MyKava)

If you own a car in Kenya, you already know the law isn’t playing — third-party car insurance is mandatory, no negotiations, no vibes. And honestly? It’s the cheapest, simplest way to stay compliant on Kenyan roads without exploding your wallet. But still, most drivers aren’t sure how much it costs, who to buy from, or how to get it online in minutes.

Let’s unpack it, hakuna pressure.

So… How Much Is Third-Party Car Insurance in Kenya?

Here’s the real tea — the price is standardized across the industry, but slightly varies per vehicle class. On average:

Private cars: From KSh 4,560 per year
Commercial vehicles: From KSh 5,063 per year
*PSV Taxi (e.g., Uber, Bolt, Little): around KSh 7,574 per year
Motorcycle boda bodas: Starts around KSh 4,000 per year
Tuktuks: Between KSh 4,500 – KSh 7,000 depending on use

These rates are heavily searched online with keyword storms like:
“third party car insurance Kenya price,” “cheapest car insurance Nairobi,” “TPO insurance cost Kenya,” “car insurance Nairobi 2025,” “best third party car insurance Kenya”.

And yes — Imana Insurance Agency Kenya Ltd and MyKava Online Insurance Shop offer these rates instantly with multiple insurer options for comparison.

What Does Third-Party Car Insurance Actually Cover?

Just the basics — and only for the other person, not you.

It covers:

Damage to third-party property (like someone else’s car or wall)
Injuries or death to third-party persons
Legal liabilities arising from the accident

No, it does NOT cover your own car. No repairs. No towing. No loss. No theft. Just pure liability compliance.

Think of it as entry-level protection — legal but limited.

How Do You Buy Third-Party Car Insurance Online in Kenya?

Super easy. No queues. No papers. No bad vibes.

Step-by-step:

Share your car details:
- KRA Pin copy
- National ID/Passport copy
- Logbook copy/photo
- Current insurance expiry date or start date
Get instant comparison quotes from multiple insurers — this is where Imana and MyKava shine.
Choose your insurer and pay via M-Pesa.
Receive your digital certificate (e-sticker + policy) in under 30 minutes.
Drive away legally, stress-free.

Why Buy Through Imana or MyKava?

Because you want speed, honesty, options and someone who picks up the phone when things go left.

What you get:

Instant quotes from top Kenyan insurers
Free consultation
Free valuation (if needed)
Same-day policy activation
Online customer support via WhatsApp
Clean, fast, youth-friendly process

Your go-to links:

Find us on Google Search:

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Insurance Wisdom

Third-party insurance is the legal minimum. Cheap. Fast. Easy. Nairobi streets don’t forgive, so stay compliant and sort your cover online with people who actually care about your hustle — Imana and MyKava.

If you want to compare, save, and buy in minutes? Just talk to the team.

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