Best Car Insurance Companies in Kenya (2026)
There’s no single best insurer — the right one depends on your car, your budget and what matters to you. Here’s how Kenya’s major motor underwriters compare side by side, and how to get the best rate without phoning them one by one.
| Insurer | Comprehensive | Third party | Instalments | Buy online | Known for |
|---|---|---|---|---|---|
| CIC | ✓ | ✓ | Up to 12 months | Yes (Easy Bima) | Easy online buy, instalments |
| APA | ✓ | ✓ | 4 quarterly / monthly | Via agents | Fast claims, Bima Bamba plan |
| Britam | ✓ | ✓ | Available | Yes | Large branch network, app |
| Old Mutual / UAP | ✓ | ✓ | Available | Yes | Regional cover, Motor Premier |
| Jubilee Allianz | ✓ | ✓ | Available | Yes | Strong brand, global backing |
| ICEA Lion | ✓ | ✓ | Available | Yes | Established underwriter |
| Madison | ✓ | ✓ | Available | USSD *828# | Dial-to-buy, claim app |
| Directline | — | ✓ | — | Via agents | PSV & commercial specialist |
| Pioneer / Pacis / Monarch | ✓ | ✓ | Varies | Via agents | Competitive third-party rates |
Indicative comparison of major Kenyan motor underwriters, July 2026. Exact premiums depend on your vehicle, value and no-claims record — get a quote and we confirm the best rate for you across insurers.
How to choose the best car insurance company
Price is only part of the picture. The insurer that quotes lowest isn’t the best choice if claims are slow or disputed. Weigh these factors together:
- Claims reputation — how quickly and fairly claims are settled. This is what you’re actually paying for.
- Price for your car — comprehensive rates cluster around 4% of value, but the exact figure varies by underwriter.
- Valuation terms — is valuation free at inception, and is cover on agreed or market value?
- Instalments — can you spread the premium over the year (many now offer up to 12 months)?
- Service — online buying, fast certificate issuance, roadside support.
- Financial strength — an established underwriter that will be there at claim time.
Why compare instead of going direct
Each insurer only quotes their own rate. Comparing several for the same car regularly reveals differences of thousands of shillings for near-identical cover. Rather than call each one, send us a single quote request and we do the comparison for you — including reputation, not just price.
Cheapest vs best
If your priority is the lowest legal cost, start with third party cover or read how to get the cheapest car insurance. If you want your own car protected, weigh the comprehensive options above and use our calculator to estimate the premium.
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Compare insurers with one quote
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Frequently asked questions
Which is the best car insurance company in Kenya?
There is no single “best” — it depends on your car, budget and what you value (price, claims speed, instalments, online service). The smart move is to compare several insurers for your specific vehicle, which is what we do for you with one quote.
How do I choose a car insurance company?
Look beyond price at claims-settlement reputation, valuation terms, whether they offer instalments, how fast they issue certificates, and their financial strength. Our comparison table lays these out side by side.
Are cheaper insurers reliable?
Price and reliability aren’t the same thing. A slightly cheaper premium is a false economy if claims are slow or disputed. We factor in reputation, not just the sticker price, when we recommend a rate.
Can you get me quotes from multiple insurers?
Yes — that’s the point. You send one quote request and we compare the market to find the best rate and cover for your vehicle, rather than you calling each insurer yourself.
One quote, every insurer compared
We check the market and come back with your best rate and cover.