Car Insurance Premium Estimator Kenya

Updated 20 October 2026

Comprehensive car insurance in Kenya is usually priced as a percentage of your car’s value, with a minimum premium, levies and stamp duty added. This estimator lets you enter the rate an insurer or broker has quoted, or one you expect, and shows the yearly cost. It is an estimate, not a quote: only a licensed insurer, broker or agent can give you a binding price.

How to Use the Car Insurance Estimator

Enter the value of your car, which insurers call the sum insured, and the rate as a percentage. If you do not have a quote yet, use the published examples below as a guide. The minimum premium starts at KSh 37,500, the figure both published examples below use, but you can change it. Add any extras, such as an excess protector, political violence cover or a courtesy car, as shillings. Levies start at 0.45% of the premium and stamp duty at KSh 40.

How to Calculate a Car Insurance Premium

Multiply the car’s value by the rate. A car worth KSh 1,500,000 at 4% gives a basic premium of KSh 60,000. If the result is below the insurer’s minimum premium, you pay the minimum instead. Add any extras. Then add levies of 0.45% of the premium and KSh 40 stamp duty. For the KSh 60,000 example with no extras, levies are KSh 270, so the total is KSh 60,310 for the year. A car worth KSh 700,000 at 4.25% works out to KSh 29,750, which is below the KSh 37,500 minimum, so the minimum applies.

Published Rate Examples

We found two sets of rates that are published openly. Standard Chartered Kenya, whose cover is underwritten by Sanlam, prices comprehensive cover at 4.25% of the sum insured for cars below KSh 2.5 million and 3.5% above that, with a minimum of KSh 37,500. It adds an AA fee of KSh 6,500 and a courtesy car benefit of KSh 8,100, then levies of 0.45% and KSh 40 stamp duty. Third party, fire and theft is 2.125% with a KSh 7,500 minimum, and third party only is KSh 7,500.

AIVA Insurance Agency publishes Pioneer General Insurance rates: 6% basic for cars worth KSh 500,000 to 999,999, 5% from KSh 1 million, 4% from KSh 1.5 million, 3.25% from KSh 2.5 million and 3% from KSh 5 million, the higher bands including excess protector and political violence cover, with a KSh 37,500 minimum. Other insurers set their own rates, and the Insurance Regulatory Authority does not publish a standard rate.

Frequently Asked Questions

Why are rates lower for expensive cars?

Many insurers use lower percentages as the value rises, as both examples above show, because repair costs do not rise in step with the car’s price.

What is an excess protector?

It removes the excess you would otherwise pay on an own-damage claim. Standard Chartered’s excess on own damage is 2.5% of the sum insured, minimum KSh 30,000.

Can I pay in instalments?

Some insurers allow it. Standard Chartered allows two payments of roughly 30% and 70%, which the tool shows.

Is the insurer licensed?

Check the Insurance Regulatory Authority’s list of licensed insurers, brokers and agents before you pay.

Sources

• Standard Chartered Kenya, Car Insurance page and FAQ “How is my payable premium calculated?” (sc.com/ke/insurance/car).
• AIVA Insurance Agency, Motor Private Cover page listing Pioneer General Insurance comprehensive rates (aivagroup.co.ke).

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