Compare Insurance in Kenya 2026
Compare motor and health insurance from Kenya's top insurers. Third party motor insurance is mandatory for all vehicles.
Motor insurance is mandatory in Kenya. At minimum, you need third party cover (KES 5,000-8,000/year). Comprehensive cover (3.5-7% of car value) adds own damage, theft, and fire protection.
APA Insurance
Third Party (Mandatory)Third Party Motor
Mandatory third-party liability cover. Covers injury/death to third parties and damage to their property.
Annual Premium
KES 5,000
to KES 7,500
Britam
Third Party (Mandatory)Third Party Motor
Third-party only motor insurance with optional windscreen cover add-on.
Annual Premium
KES 5,500
to KES 8,000
CIC Insurance
Third Party (Mandatory)Third Party Motor
Basic third-party motor cover. Available online and via USSD.
Annual Premium
KES 5,000
to KES 7,000
APA Insurance
Comprehensive MotorComprehensive Motor
Full comprehensive cover: own damage, theft, fire, third party. Premium is 3.5-7% of car value.
Annual Premium
KES 37,500
to KES 120,000
Jubilee Insurance
Comprehensive MotorComprehensive Motor
Premium comprehensive cover with AA Kenya roadside assistance and courtesy car.
Annual Premium
KES 40,000
to KES 150,000
Britam
Comprehensive MotorComprehensive Motor
Comprehensive motor insurance with flexible excess options and windscreen cover.
Annual Premium
KES 35,000
to KES 110,000
Madison Insurance
Comprehensive MotorComprehensive Motor
Competitive comprehensive cover with online quote and purchase.
Annual Premium
KES 32,000
to KES 100,000
GA Insurance
Comprehensive MotorComprehensive Motor
Affordable comprehensive cover with optional add-ons.
Annual Premium
KES 30,000
to KES 95,000
Jubilee Health Insurance
Health InsuranceJubilee Health - Individual
Individual and family health cover with inpatient and outpatient options.
Annual Premium
KES 25,000
to KES 180,000
Britam Health
Health InsuranceBritam Health - Biashara
Affordable health insurance for individuals and SMEs.
Annual Premium
KES 18,000
to KES 120,000
AAR Insurance
Health InsuranceAAR Health - Afya
Comprehensive health cover with extensive hospital network across East Africa.
Annual Premium
KES 22,000
to KES 200,000
CIC Health
Health InsuranceCIC Family Mediplan
Family health insurance with inpatient cover and optional outpatient.
Annual Premium
KES 15,000
to KES 90,000
Third Party vs Comprehensive Motor Insurance
| Third Party | Comprehensive | |
|---|---|---|
| Annual cost | KES 5,000-8,000 | 3.5-7% of car value |
| Third party liability | Yes | Yes |
| Own damage | No | Yes |
| Theft | No | Yes |
| Fire | No | Yes |
| Windscreen | No | Usually included |
| Best for | Older / low-value cars | New / high-value cars |
Rule of thumb: If your car is worth less than KES 500,000, third party may be sufficient. For cars worth more, comprehensive is usually worth the extra cost — especially if you have a car loan.