Third Party Insurance Prices in Kenya (2026)
Here are the current third party (TPO) insurance price ranges for every vehicle type in Kenya — the cheapest legal way to stay on the road. Pick your vehicle, then get an exact quote and your certificate in minutes.
| Vehicle type | 1-month TPO (KES) | Annual TPO (KES) |
|---|---|---|
| Private car | 1,200 – 1,900 | 5,000 – 7,600 |
| Motorcycle / boda boda | ~1,000 | 2,750 – 4,000 |
| Tuk-tuk | — | 2,950 – 5,500 |
| PSV / hailing-app taxi | — | 4,500 – 9,000 |
| Pick-up / light commercial | — | 7,500 – 25,000 |
| Lorry / heavy commercial (by tonnage) | — | 8,500 – 40,000 |
Indicative third-party (TPO) price ranges, Kenya · Last updated: July 2026. The standard private-car TPO rate is about KES 7,500/year; commercial rates scale with tonnage. Your exact premium depends on vehicle class and underwriter — get a quote for the precise figure.
Third party insurance prices by vehicle type
Third party only (TPO) is the minimum cover the law requires under the Traffic Act (Cap 403). Unlike comprehensive cover — which is priced as a percentage of your car’s value — third party is a largely flat rate that varies by vehicle class, not by how much your vehicle is worth. That’s why a private car, a boda boda and a 10-tonne lorry each sit in their own price band.
Why third party prices vary
The main driver is the vehicle class and its risk profile: a public service vehicle carrying passengers or a heavy commercial lorry carries far more third-party liability than a private saloon car, so it costs more to cover. For commercial vehicles, price also scales with tonnage.
One-month vs annual third party cover
You can buy third party cover for a full year or, for private cars and motorcycles, as a short one-month policy. One-month cover is handy for a short trip or to stay legal while you organise annual cover — but annual cover is far cheaper per month.
How to pay and get your certificate
Once you request a quote we confirm your price, you pay via an M-Pesa STK push, and your certificate is issued on the DMVIC system and sent to your email or WhatsApp — often within minutes, 24/7. You’ll need a copy of your ID and logbook.
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Wondering whether third party is enough? Compare it with comprehensive cover, or read our full guide to third party car insurance in Kenya.
Frequently asked questions
How much is third party car insurance for a private car in 2026?
For a private car, third party (TPO) is a largely standard rate of about KES 7,500 a year (roughly KES 5,000–7,600 across agencies), with short one-month cover from about KES 1,200. The exact figure depends on the underwriter — get a quote for your confirmed price.
How much is third party for a boda boda, tuk-tuk or PSV?
Motorcycle/boda third party starts around KES 1,000 a month (KES 2,750–4,000 a year). Tuk-tuks run about KES 2,950–5,500, and PSV/hailing-app taxis KES 4,500–9,000 a year.
Can I pay for third party insurance with M-Pesa?
Yes. You pay via an M-Pesa STK push and your certificate is issued on DMVIC and sent to your email or WhatsApp — usually within minutes, any time of day.
Is there one-month third party cover?
Yes. Short-term (one-month) third party cover is available for private cars and motorcycles — useful for a short trip or while you arrange annual cover.
Why is my quote different from the table?
The table shows typical market ranges. Your exact premium depends on the vehicle class, tonnage (for commercial vehicles) and the underwriter you choose. We confirm the precise figure when you request a quote.
Get your third party certificate today
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