Third Party Car Insurance Cost in Kenya – Prices Explained
Introduction: What is Third Party Car Insurance in Kenya?
Third party car insurance, commonly known as TPO (Third Party Only), is the minimum legal requirement for all motor vehicles in Kenya. It protects you financially if your car causes injury or damage to another person, vehicle, or property — but does not cover your own vehicle.
If you’re looking for the cheapest and fastest way to stay road-legal in Kenya, TPO is the answer.
How Much Does Third Party Insurance Cost in Kenya?
Here’s a breakdown of the third party motor insurance rates available through our platform:
One-Month Third Party Insurance (Private Vehicles Only)
- Cost: KSh 1,547
- Who it’s for: Private use cars only (not commercial or PSV)
- Why choose it: Ideal for short-term needs, end-of-month budgets, or when you plan to sell or change your vehicle soon.
Fast, flexible, and affordable.
Read next: Buy Third Party Motor Insurance Online in Kenya – Instant TPO Cover Anywhere
Full-Year Third Party Insurance (All Vehicle Types)
We offer a flexible 2-part payment plan for full-year TPO cover:
| Payment Step | Amount | What You Get |
|---|---|---|
| Part 1 | KSh 4,000 | One-month certificate (provisional) |
| Part 2 | KSh 3,574 | Full-year certificate (upon balance payment within 30 days) |
Total Cost: KSh 7,574
Eligibility: Available for all vehicles — private, commercial, or PSV. Note that an additional passenger legal liability is required for commercial vehicles with passengers. Reach out to us and we will guide you.
Get on the road today, even if you can’t pay the full amount at once.
Buy 3rd Party Motor Insurance Online
How Payments Work
All payments go directly to our insurance partner (a licensed insurer under the Insurance Regulatory Authority – IRA). You’ll receive the official paybill or bank details upon requesting a quote.
Once paid, just send us a screenshot or confirmation. We’ll prepare your TPO certificate and deliver it via WhatsApp or email within an hour.
What You Need to Apply
You don’t need any physical documents. Just send clear pictures of:
- Your National ID
- KRA PIN Certificate
- Car Logbook
We handle everything else. No paperwork. No office visits.
Why More Kenyans Are Buying TPO Online
Buying third party insurance online in Kenya is now faster, safer, and more convenient than ever. Here’s why people are switching:
- Instant certificate processing within an hour
- Buy from anywhere in Kenya – 100% online
- Secure payments to licensed insurers only
- Flexible payment options for full-year cover
- Reminders before expiry so you’re always protected
- Live support via call or WhatsApp, anytime
Summary of Third Party Insurance Costs in 2025
| Option | Cost | Validity | Who It’s For |
|---|---|---|---|
| One-Month TPO (Private) | KSh 1,547 | 1 Month | Private vehicles only |
| Full-Year TPO (2-Part) | KSh 7,574 | 12 Months | All vehicle types |
| Full-Year – First Part | KSh 4,000 | 1 Month | Get started instantly |
| Full-Year – Final Part | KSh 3,574 | Extend to 12 months upon payment |
Commercial vehicles with passengers require additional passenger legal liability cover.
FAQs – Quick Answers About TPO Insurance in Kenya
How much is third party insurance in Kenya for a car?
One-month cover is KSh 1,547. A full-year policy costs KSh 7,574.
Can I buy third party insurance for one month only?
Yes, we offer a one-month TPO plan for private vehicles at KSh 1,547.
Can I pay for third party insurance in installments?
Yes. For full-year cover, pay KSh 4,000 now and the remaining KSh 3,574 within 30 days.
Is third party insurance valid if bought online?
Yes. Your certificate is legally recognized and issued by a licensed insurer.
How fast do I get my insurance certificate?
Within 1 hour of confirming payment and submitting your documents.
What documents do I need for TPO insurance in Kenya?
Pictures of your National ID, KRA PIN, and car logbook.
Can I use this cover anywhere in Kenya?
Yes. We serve clients nationwide. The insurance is valid across Kenya.
Who do I pay for the insurance?
You pay directly to the insurer. We only handle facilitation.
Will I be reminded when my insurance is about to expire?
Yes. We send expiry reminders so you never miss a renewal.
Can commercial or PSV vehicles use the one-month plan?
No. One-month TPO is for private use vehicles only. Full-year cover is available for all vehicle types.
Read next: Tips for Handling Motor Vehicle Accidents What to Do and What Not to Do
Ready to Get Covered?
Fill out the form below to get your Third Party Insurance today.
Pay directly to the insurer, get your certificate in 1 hour, and drive legally — all from your phone.