Estimate your annual motor insurance premium in Kenya for comprehensive cover (4% of vehicle value) or third-party cover, including the PCF and Training levies.
Comprehensive vs Third Party
Comprehensive cover insures your own vehicle against accident damage, theft, and fire, plus third-party liability, and is priced as a percentage of the vehicle's current market value — most Kenyan insurers price it around 4%, subject to a minimum annual premium regardless of how low that percentage works out to be on an older, lower-value car. Third-party cover only pays out for damage or injury you cause to someone else's vehicle or person, never your own car, and is sold at a flat annual rate rather than a percentage.
Levies on Top of the Premium
Every general insurance premium in Kenya carries two statutory add-ons collected on behalf of the regulator: the Policyholders Compensation Fund (PCF) Levy at 0.25% of the premium, which funds payouts if an insurer becomes insolvent, and a Training Levy at 0.2%, which funds the College of Insurance. Both are calculated on the base premium and added automatically in this calculator.
Why the Figures Are Estimates
The 4% comprehensive rate and KES 15,000 minimum premium are typical market figures, not a fixed regulatory tariff — each insurer underwrites individually based on the vehicle's make, age, driver history, and add-on covers (excess protection, PSV, courtesy car). Use this calculator for a ballpark before requesting quotes from two or three insurers or a broker.
How much is comprehensive car insurance in Kenya?
Comprehensive motor insurance in Kenya is typically around 4% of the vehicle's value per year, subject to a minimum premium of around KES 15,000, plus the statutory PCF and Training levies. The exact rate varies by insurer and vehicle risk profile.
What levies are added to a motor insurance premium?
Kenyan insurers add a 0.25% Policyholders Compensation Fund (PCF) Levy and a 0.2% Training Levy on top of the base premium for every general insurance policy, including motor cover.