Comprehensive insurance on a KSh 1,500,000 car at 4.0% costs about KSh 60,310 a year including levies.
What makes up a motor premium
Comprehensive cover is priced as a percentage of the car’s current value, usually 3.5% to 7.5% for private cars depending on the insurer, the car and your history. Two levies are added on top: 0.2% training levy and 0.25% for the Policyholders’ Compensation Fund, plus KSh 40 stamp duty.
Most insurers also have a minimum premium, so cheap cars can cost more than the percentage suggests. Optional covers such as excess protector, political violence and loss of use are priced separately.
Rates used in this calculator
Motor insurance levies
Training levy
0.2% of premium
Policyholders’ Compensation Fund
0.25% of premium
Stamp duty
KSh 40
Frequently asked questions
How much is comprehensive car insurance in Kenya?
Typically 3.5% to 7.5% of the car’s value per year, plus levies. A KSh 1.5 million car at 4% costs about KSh 60,000 a year before optional extras.
Is third-party insurance cheaper?
Yes. Third-party only cover for a private car is usually a fixed amount of a few thousand shillings a year, but it does not cover damage to your own car.