Best Car Insurance Companies in Kenya

It is mandatory for every car on the Kenyan road to have an insurance cover. The minimum insurance cover is the Third Party Only policy. Getting an insurance cover is easy, with many car insurance companies spread across the country. Different car insurance companies offer various levels of car insurance. The following are the best car insurance companies in Kenya.

CIC Group

The Cooperative Insurance Company (CIC) has a wide presence in East Africa and especially in Kenya. It has its head office in Nairobi, Upperhill Kenya. It has offices spread across the country and you can visit them to insure your car. They offer insurance coverage to different types of vehicles like trucks, commercial vehicles, pickups and trucks.

They offer Third Party, Third party, fire and theft car insurance, and comprehensive car insurance.

APA Insurance

APA Insurance offers car insurance and has offices located across the country. It offers a wide variety of insurance products including medical, life and motor insurance.

It offers comprehensive car insurance, third party, fire and theft and third party only car insurance. The comprehensive car insurance covers your car against damages caused by an accident, theft, political violence and terrorism. You can purchase additional covers like the windscreen cover.

The third-party fire and theft policy covers your car against third party liabilities, accidental fire and theft. The policy covers you against liabilities to third parties like bodily injuries, property damage and theft.


UAP Old Mutual is an insurance brand that has established itself in East Africa by offering a wide variety of insurance products like life, motor, general and medical insurance.

They offer the third party only car insurance, third party fire and theft insurance and comprehensive car insurance. They have additions in the compressive cover like terrorism and violence cover. UAP does not compensate the insured if the driver was under the influence or if the car was carrying beyond its capacity. You can purchase insurance through their service dabbed EasyDirect.


Britam is available in Kenya and other African countries like Burundi, Malawi and Mozambique. It offers private car insurance and PSV motor insurance. For vehicles, it offers three main car insurance policies; Third Party Only, Third Party, Fire and Theft car insurance and Comprehensive car insurance. You can also get additional covers for specific coverage like Own Goods Vehicle insurance for business or personal use. Also, if you use commercial vehicles for hire, you can buy the general cartage vehicles insurance.

Jubilee Insurance

Jubilee Insurance has been in operation in many countries, including Kenya. It has been in existence for over 80 years and offers a wide variety of insurance products. It has an excellent motor insurance package that varies depending on the age and value of the car. You can check for a car insurance quote online.

They only offer two motor insurance policies, third party, fire and theft and comprehensive motor insurance. Among the benefits you accrue from them include easy claims settlement, towing services, accidental and disability benefits and political and terrorism benefits.


Africa Merchant Assurance Company (AMACO) is a general insurance company. It is among the leading PSV insures. It has offices spread across the country. It only offers third party cover and comprehensive cover. The comprehensive cover insures the car against fire, theft and accidental damages, and material damages. The third-party cover provides protection against third-party liability.


ICEA Lion offers motor private comprehensive cover for private vehicles. The cover provides protection against third-party liabilities like bodily, injury and damage to property. You can get an additional cover like personal courtesy car and rescue services. The cover does not include political risks, terrorism or the use of a car for hire. You can get a quote online and also apply for the cover online.


Getting the right car insurance is the best way to be secure while driving on the road. Before you can buy an insurance cover from an insurer, you should compare prices. Also, check the coverage offered by each company and exclusions. Go for the cover that provides enough protection to your car.