Compare Third-Party Motor
Insurance Rates in Kenya
Compare available Third-Party Only (TPO) insurance options for cars, motorcycles, PSV, and commercial vehicles in one place. Instant DMVIC certificate delivery via WhatsApp and M-Pesa.
- Multiple licensed insurers
- Transparent statutory pricing
- Secure M-Pesa purchase
- Instant digital certificate
Find a TPO rate for your vehicle
Available TPO Options
Compare available annual premiums and choose the TPO policy that suits your vehicle.
No TPO options found
Try changing your vehicle type, vehicle use or vehicle class.
How pricing works
The premium quoted by the insurer for the selected vehicle category.
Applicable levies and duties, such as stamp duty and training levy.
The expected amount payable based on the information shown here.
Premiums shown are indicative and may vary depending on the insurer, vehicle classification, usage, underwriting requirements and applicable statutory charges. Final premiums are confirmed at quotation and policy issuance.
Not sure which option to choose?
Select your vehicle usage and primary requirement. Our algorithm filters the right statutory TPO underwriter for you.
Popular TPO Categories
How BimaDirect Works
From vehicle lookup to legal digital road certificate in under 5 minutes.
Enter Vehicle Details
Input your Kenyan registration plate (e.g. KDF 123A). Our system connects to vehicle registries to instantly verify class and engine cc.
Compare Available Rates
Review live, itemized premiums across IRA-licensed insurers. Filter by speed, price, or claims reputation with zero bias.
Choose Your Insurer
Confirm policyholder details and pay seamlessly using M-Pesa STK push. Instant payment receipt generated automatically.
Get Covered Instantly
Receive official DMVIC digital certificate via WhatsApp and Email immediately. Valid for immediate presentation to NTSA and Police.
Frequently Asked Questions
Everything you need to know about mandatory third-party motor insurance in Kenya.
TPO is Kenya's legal minimum motor cover. It pays for injury or death to third parties and damage to their property caused by your vehicle. It does not cover damage to your own car, theft, or fire — for that you'd need Comprehensive cover.
Once your M-Pesa payment is confirmed, your DMVIC-verified certificate is generated automatically and sent to you via WhatsApp and email — typically within a couple of minutes.
While the statutory minimum cover is the same across all insurers, each underwriter sets its own base premium and processing fees on top of the mandatory levies, which is why quotes can differ slightly.
Every quote already includes the government-mandated levies — such as the Policyholders Compensation Fund contribution, training levy, and stamp duty — so the price you see is the price you pay, with no hidden extras.
Yes. You can switch to a Comprehensive policy at any point — most customers do this at renewal, though some insurers allow a mid-term upgrade for an adjusted premium.
Ready to get covered?
Compare available Third-Party Motor Insurance options and receive your verified digital certificate in minutes. Simple, transparent, and completely paperless.