Cheapest Car Insurance in Kenya – What Does It Cover? (Simple Guide)

You own a car and want insurance because it is required by law in Kenya.

You have two main choices:

1⃣ Cheap insurance (Third Party)

2⃣ Comprehensive insurance

Many drivers choose the cheapest option, which is Third Party Insurance.

Third Party Insurance is the minimum legal insurance required for all vehicles in Kenya.

It protects other people if your vehicle causes an accident.

This means it pays for:

Here is what third party insurance usually includes.

Coverage | Included?

Damage to another vehicle | ✔ Yes

Injury to another person | ✔ Yes

Damage to property | ✔ Yes

Damage to your own car | ❌ No

Theft of your car | ❌ No

This is why it is cheaper than comprehensive insurance.

Example

Imagine you accidentally hit another vehicle.

Costs:

Damage | Amount

Other vehicle repair | KSh 120,000

Property damage | KSh 20,000

If you have third party insurance, the insurer may cover those damages.

But if your own car is damaged, you will need to repair it yourself.

Third party insurance costs less because it covers fewer risks.

It only protects other people affected by an accident, not your vehicle.

This makes it the most affordable option for many drivers.

Example Cost

Typical third party insurance premiums may range between:

💰 KSh 5,000 – KSh 15,000 per year

The price depends on:

Know what is NOT covered — read insurance exclusions and why they matter before purchasing.

Drivers often choose this option when:

For expensive cars, comprehensive insurance may be more suitable.

Some insurers offering motor insurance include:

Different insurers may offer different pricing and benefits.

Feature | Third Party | Comprehensive

Cost | Cheapest | More expensive

Covers other vehicles | ✔ Yes | ✔ Yes

Covers your car | ❌ No | ✔ Yes

Covers theft | ❌ No | ✔ Yes

Covers fire | ❌ No | ✔ Yes

Comprehensive insurance offers broader protection.

If you ever need to claim, follow the steps in how to make an insurance claim in Kenya.

Yes. Kenyan law requires all vehicles to have at least third party insurance.

Yes. You can switch to comprehensive insurance if needed.

No. Theft is only covered under comprehensive insurance.

Third party insurance is the cheapest car insurance option in Kenya and provides the minimum legal coverage.

However, it only protects other people involved in an accident, not your own vehicle.

Drivers should choose the type of insurance that best fits their budget and vehicle value.

Speak with a Serrari advisor to ensure your car insurance is part of a complete financial protection plan.

If your car is new or valuable, comprehensive insurance may offer better financial protection.

Browse motor and other insurance products on the Serrari Marketplace.