Kenya’s car insurance market is growing fast, with more drivers looking for reliable coverage. In 2025, we reviewed the top providers based on coverage options, claims processing, pricing, and customer satisfaction. Here’s a quick look at the best choices:
- CIC Insurance Kenya: Offers flexible payment plans and efficient claims handling, making it a top choice for both individual and commercial drivers.
- Jubilee Insurance Kenya: Known for reliable service and policies like Pay-As-You-Drive for low-mileage users.
- Britam Insurance Kenya: A tech-savvy option with digital tools for managing policies and claims.
- APA Insurance Kenya: Combines affordability with AI-driven fraud prevention for urban drivers.
- Directline Insurance Kenya: Specializes in fleet insurance, especially for matatu operators.
Each company has strengths tailored to different needs – whether you’re a private car owner, a fleet manager, or someone seeking digital convenience. Below is a detailed breakdown of their features to help you choose the right fit.
Top 5 Car Insurance Companies in Kenya You Can Trust in 2025
1. CIC Insurance Kenya
CIC Insurance Kenya leads the pack in our 2025 ranking, standing out across all evaluation areas. With an 8.4% market share in 2023 and a gross written premium of KES 15.45 billion (around $119.6 million), CIC has cemented its position as a key player in Kenya’s insurance industry. Notably, motor insurance accounts for about 42% of its total premium mix. Let’s dive into what makes CIC a standout choice.
Coverage Options
CIC offers two main types of motor insurance: Third-Party Only (TPO) and Comprehensive coverage. The TPO policy fulfills Kenya’s legal requirements, covering damages to third-party property and injuries. Comprehensive coverage goes further, protecting your own vehicle against risks like theft, fire, accidents, and natural disasters. Whether you have a personal car or manage a commercial fleet, CIC has you covered. Additionally, their "Easy Bima" product allows policyholders to pay premiums in manageable monthly installments, making coverage more accessible.
Claims Processing Efficiency
When it comes to claims, CIC sets the bar high. For third-party liability claims, the company boasts a paid-claims ratio of 25.9% – significantly higher than the market average of 8.6%. For claims related to vehicle damage, CIC maintains a non-liability paid-claims ratio of 48.6%. Overall, its general insurance loss ratio stands at 68.2%. With a strong network of agents in rural areas, CIC ensures that even customers in remote regions can file claims with ease.
Affordability
CIC strikes a balance between cost and quality. Their Easy Bima monthly payment plan makes it easier for middle-income earners and small businesses to maintain continuous coverage without the financial strain of paying annual premiums upfront. By combining competitive pricing with extensive coverage options, CIC remains a popular choice, particularly in underserved rural areas.
Customer Satisfaction
CIC’s efficient claims process and widespread agent network contribute to strong customer satisfaction. The company is also keeping pace with emerging trends by offering specialized products like green insurance and coverage for climate risks, including crops and flooding. Their investment in a parametric crop claims system further highlights their focus on simplifying claims for all customers.
2. Jubilee Insurance Kenya
Jubilee Insurance Kenya takes the second spot in our 2025 ranking, backed by decades of expertise and a strong reputation in the industry. As one of Kenya’s oldest and most respected insurers, Jubilee has firmly established itself across East Africa. Its motor insurance services cater to both individual car owners and corporate fleets, blending traditional reliability with modern digital tools to meet the needs of Kenyan drivers. Here’s a closer look at what Jubilee has to offer.
Coverage Options
Jubilee provides two primary motor insurance policies: Comprehensive and Third-Party Only coverage. The comprehensive plan offers protection against accidents, theft, fire, vandalism, and natural disasters. For businesses managing multiple vehicles, Jubilee’s fleet insurance includes volume discounts and centralized management options, making it a practical choice. Additionally, their Pay-As-You-Drive plan calculates premiums based on actual mileage, which is ideal for drivers who use their vehicles infrequently.
Claims Processing Efficiency
Jubilee has worked to make its claims process as smooth as possible. Customers can access a 24/7 hotline and a digital claims portal for real-time updates. The insurer also partners with a wide network of approved garages across Kenya, ensuring repairs are handled promptly. In emergencies, Jubilee offers roadside assistance and towing services to provide immediate support.
Affordability
Jubilee’s pricing falls within the mid-to-premium range, reflecting the extensive coverage and financial stability it offers. Flexible payment plans, including quarterly and semi-annual options, make it easier for customers to manage their premiums. For drivers with a clean record or younger motorists, no-claims bonuses can significantly reduce costs over time. Corporate clients managing large fleets can also negotiate competitive rates. These pricing strategies highlight Jubilee’s focus on delivering value to its customers.
Customer Satisfaction
Jubilee’s customer service is accessible through its branch network, call center, and mobile app, ensuring support is always within reach. As part of the larger Jubilee Holdings group, the company provides financial stability that reassures customers their claims will be honored, even during challenging economic times. While some users find the claims process a bit bureaucratic, Jubilee’s long-standing reputation and dependable service make it a trusted choice in the Kenyan insurance market.
3. Britam Insurance Kenya
Britam Insurance Kenya takes the third spot in 2025, standing out with its digital-first approach to motor insurance. As part of the Britam Holdings group, it has earned a solid reputation for integrating technology into policy management and claims handling. By combining a robust digital platform with a network of branches and agents, Britam offers a balance of modern and traditional customer support.
The company’s focus on technology-driven claims management sets it apart, aligning with the innovations seen in other top insurers.
Coverage Options
Britam offers two main motor insurance policies: Comprehensive and Third-Party Only coverage. The comprehensive plan protects against accidents, theft, fire, vandalism, and natural disasters, making it a versatile choice for individual drivers. For businesses managing multiple vehicles, Britam’s fleet insurance provides added perks like volume discounts and centralized management tools. To make insurance more accessible, the company also offers flexible payment plans tailored to various budgets.
Claims Processing Efficiency
Britam’s digital claims portal has significantly improved efficiency, cutting the average claims processing time to about seven days. Customers can access support through various channels, including a chatbot for quick questions, a dedicated call center for more complex concerns, and an extensive branch network across Kenya.
Performance metrics highlight Britam’s strengths and areas for improvement. Its liability paid-claims ratio is 15.9%, nearly double the market average of 8.63%. However, its non-liability paid-claims ratio lags behind at 23.2%, well below the industry average of 65.96%, signaling delays in handling routine motor claims.
Affordability
Britam’s pricing is in the mid-range, reflecting the value of its digital services and comprehensive coverage. Flexible payment options, such as monthly and quarterly plans, make premiums more manageable for customers. Drivers with clean records can benefit from no-claims bonuses, reducing costs over time. Corporate clients managing fleets also enjoy competitive rates, adding value for businesses.
Customer Satisfaction
Britam’s digital tools and extensive branch network improve policy management and make handling claims more convenient. Customers can use digital platforms for renewals, updates, and quick inquiries, while more complex issues are addressed through in-person support. However, the slower processing of non-liability claims remains a concern. Despite this, the combination of digital efficiency and personalized service enhances the overall customer experience.
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4. APA Insurance Kenya
APA Insurance Kenya ranks fourth on our list, known for its strong reputation in reliability and competitive pricing within Kenya’s motor insurance market. As one of the country’s top general insurance providers, APA has earned trust through efficient service and a broad range of products. In 2025, the company took a leap forward by integrating AI and blockchain technology to boost transparency and combat fraud.
By combining traditional expertise with cutting-edge technology, APA offers a dependable option for drivers seeking quality coverage at reasonable rates.
Coverage Options
APA Insurance Kenya provides comprehensive motor insurance, third-party coverage, and specialized options for businesses, including fleet and motor trade insurance.
- Comprehensive insurance protects against accidents, theft, fire, and damages caused by natural events.
- Third-party liability coverage offers basic protection for damages to others.
- Fleet and motor trade insurance cater specifically to businesses, with fleet insurance being particularly beneficial for commercial vehicles and high-usage fleets.
These options meet industry standards, offering essential protection without unnecessary complexity. APA also supports its customers with a streamlined claims process, making it easier to access benefits when needed.
Claims Processing Efficiency
APA Insurance is recognized for its efficient claims process, a key factor in its reputation for dependable service.
Affordability
APA’s competitive pricing further enhances its appeal in the motor insurance space.
"The company offers competitive rates and has invested heavily in technology." – Socialander
For comprehensive coverage, drivers can expect premiums to align with the Kenyan market average of around 4% of the vehicle’s value. Policies typically range between KES 37,500 and KES 75,000, depending on the vehicle. Third-party coverage for private cars is more affordable, averaging KES 7,574 to KES 15,108 annually. Business clients managing commercial fleets also benefit from APA’s competitive pricing on specialized policies.
Customer Satisfaction
APA Insurance’s commitment to leveraging technology and maintaining quality service reflects in its customer experience. Its solid financial background and consistent reliability inspire confidence among policyholders. The adoption of AI and blockchain technology in 2025 highlights APA’s forward-thinking approach, improving fraud prevention and operational transparency to benefit customers.
However, the company has faced some criticism recently. Complaints about service delivery led to its removal from one ranking of top insurance providers. While APA remains a strong contender with its competitive rates and technological advancements, potential customers should consider these service concerns when making a decision.
5. Directline Insurance Kenya
Directline Insurance Kenya secures its spot in the top five with a strong emphasis on fleet insurance, particularly for matatu businesses. This focus has positioned the company as a leader in Kenya’s fleet insurance market. In 2022, Directline reported a non-life turnover of KES 4,268,900 (approximately $33,054), marking an impressive 18.91% growth compared to the previous year.
The company primarily serves commercial vehicle operators, offering tailored solutions for businesses while also providing standard motor insurance options for individual drivers.
Coverage Options
Directline provides a range of insurance policies, including comprehensive coverage for accidents, theft, fire, and natural disasters. Additionally, it offers third-party liability insurance and specialized fleet insurance designed to address the specific needs of commercial operators in the matatu sector.
Claims Processing Efficiency
Although detailed claims efficiency metrics are not widely available, Directline has structured its claims process to meet the needs of its commercial clientele. Its smaller operational scale, compared to larger insurers, allows for a focused approach that aligns with its niche market. This streamlined operation complements its competitive pricing strategy.
Affordability
Directline’s specialization in fleet insurance allows it to offer competitive rates, particularly for operators managing multiple vehicles. Individual drivers can also benefit from affordable premiums on comprehensive and third-party policies, with costs determined by factors such as vehicle value and coverage type. In 2022, the company held a 1.38% share of Kenya’s non-life insurance market.
Customer Satisfaction
Directline emphasizes building strong relationships with its core audience of commercial fleet operators. Its dedication to serving this niche market has earned it a loyal customer base, particularly among matatu and other commercial vehicle operators. The company’s growth – reflected in its 18.91% increase in non-life turnover from 2021 to 2022 – highlights its success in meeting the needs of its target market.
For matatu businesses and other commercial operators seeking specialized fleet insurance, Directline stands out with its focused expertise and competitive pricing.
Pros and Cons
Selecting the right car insurance provider means finding one that aligns with your priorities. Each of the five insurers in the table below offers a unique blend of benefits and challenges, catering to different needs.
| Insurance Company | Coverage Options | Claims Processing | Pricing | Customer Satisfaction |
|---|---|---|---|---|
| CIC Insurance Kenya | Pros: Offers comprehensive policies with a variety of add-ons and flexibility Cons: May require additional paperwork for specialized coverage |
Pros: Efficient claims handling with established processes Cons: Processing times may vary during busy periods |
Pros: Competitive rates for comprehensive plans Cons: Higher premiums for high-value vehicles |
Pros: Strong reputation and wide customer base Cons: Service quality can differ across branches |
| Jubilee Insurance Kenya | Pros: Broad range of policies, including specialized options Cons: Some niche coverage may have limited availability |
Pros: Clear and structured claims process Cons: Complex claims may take longer to resolve |
Pros: Balanced pricing for various policies Cons: Basic third-party coverage may not be as cost-effective |
Pros: Long-standing market presence and trust Cons: Customer service response times can vary by location |
| Britam Insurance Kenya | Pros: Diverse policies with modern features Cons: Terms may be confusing for first-time buyers |
Pros: Digital tools streamline the claims process Cons: High-value claims may require detailed verification |
Pros: Affordable premiums for standard plans Cons: Add-ons can increase overall costs |
Pros: Positive feedback from a growing customer base Cons: Newer service channels are still maturing |
| APA Insurance Kenya | Pros: Flexible policies with customizable options Cons: Restrictions on certain coverage combinations |
Pros: Dedicated claims teams ensure organized handling Cons: Extensive documentation may be required |
Pros: Affordable options for individual drivers Cons: Fleet insurance may not be as competitive |
Pros: Responsive support in urban areas Cons: Limited presence in rural regions |
| Directline Insurance Kenya | Pros: Tailored solutions for fleet insurance Cons: Fewer options for individual drivers |
Pros: Specialized claims handling for commercial clients Cons: Limited walk-in service centers |
Pros: Very competitive rates for fleet operators Cons: Individual policies offer less pricing flexibility |
Pros: Strong ties with matatu operators Cons: Smaller network may limit accessibility |
The table highlights each insurer’s key strengths and weaknesses. Larger providers like CIC, Jubilee, Britam, and APA excel in offering diverse coverage options, while Directline focuses on serving niche markets, particularly commercial fleets.
When it comes to claims, the complexity of the claim and the insurer’s capacity often determine processing times. Larger insurers typically have more resources to handle claims but may still face delays during peak times. Directline’s specialization in commercial insurance can be advantageous for fleet claims, though individual drivers may find fewer support options.
Pricing strategies also vary. Directline stands out with competitive rates for fleet insurance, while larger insurers balance pricing across different customer groups. Your premium will depend on factors like your vehicle’s value, driving record, and the coverage level you choose.
Customer satisfaction often hinges on how well a provider meets specific needs. For instance, fleet operators may appreciate Directline’s tailored services, while individual drivers might prefer the extensive networks and broader offerings of CIC, Jubilee, Britam, or APA. Insurers with more branches generally make in-person support and claims processing more accessible.
This breakdown provides a clearer view of what each insurer brings to the table, helping you match their strengths to your requirements.
Conclusion
Finding the right car insurance in Kenya boils down to your specific needs and priorities. After looking at coverage, claims processing, pricing, and customer satisfaction, it’s clear that each of the five insurers in this ranking caters to different types of drivers.
If you’re after comprehensive coverage, both CIC Insurance Kenya and Jubilee Insurance Kenya are solid options. They offer a variety of policy choices and boast extensive networks, ideal for drivers who value flexibility and a history of reliable service. That said, service quality can vary depending on location.
For those who prefer a digital-first approach, Britam Insurance Kenya is a standout. Its user-friendly digital tools and affordable premiums for standard plans make it particularly appealing to younger drivers or anyone comfortable managing policies online.
APA Insurance Kenya is a great pick for drivers in urban areas who need policies tailored to their specific needs. Whether you’re looking for flexible coverage or responsive customer support, APA delivers. However, it might not be the best fit for rural drivers or those managing fleets.
When it comes to fleet operators and matatu owners, Directline Insurance Kenya is the clear choice. With competitive rates and expertise in handling claims for commercial vehicles, it’s designed for business use. On the other hand, individual drivers may find better options with the other insurers.
Larger providers like CIC, Jubilee, Britam, and APA tend to have more resources and streamlined claims processes, although actual processing times can vary based on claim complexity and demand. For pricing, it’s always wise to compare quotes tailored to your vehicle and coverage needs. Directline offers the most competitive rates for fleets, while Britam often provides budget-friendly options for individual policies. Be cautious, though – cheaper premiums can sometimes mean less coverage.
FAQs
What should I look for when selecting a car insurance company in Kenya from the 2025 rankings?
When you’re choosing a car insurance provider in Kenya from the 2025 rankings, it’s important to weigh a few crucial factors to find the right fit for your needs. Start by looking into the insurer’s financial stability and reputation – you want a company that’s reliable and capable of handling claims without hassle.
Next, check their coverage options and flexibility. Do they offer plans that match your specific needs, or is their coverage too rigid? It’s also worth assessing their claims process. A system that’s quick and transparent can save you a lot of stress when you need it most.
In today’s world, convenience matters. Seek out insurers that use technology, like online claims portals or app-based services, to make your experience smoother. Lastly, don’t forget to compare pricing and affordability. While cost is important, make sure it aligns with the quality of service and coverage you’re getting – it’s all about finding the right balance.
What are the benefits of Jubilee Insurance’s Pay-As-You-Drive policy for drivers who don’t drive often?
Jubilee Insurance’s Pay-As-You-Drive policy is tailored for drivers who don’t rack up a lot of miles. Instead of sticking to a fixed premium, your insurance costs are tied directly to how much you drive. It’s a smart choice for anyone who uses their car less frequently and wants to save money.
This usage-based approach doesn’t just cut costs – it also promotes more thoughtful driving habits. It’s a practical, wallet-friendly way to get the coverage you need without paying for miles you don’t use.
What new technologies has APA Insurance implemented to enhance transparency and prevent fraud?
APA Insurance has integrated cutting-edge technology to enhance transparency and tackle fraud effectively. They’ve implemented blockchain technology to maintain secure, tamper-proof records, ensuring data integrity. On top of that, their AI-powered fraud detection systems are designed to quickly and accurately flag suspicious claims, streamlining the process. To further improve customer experience, they’ve introduced digital platforms that let users monitor claims and access policy details in real time, building trust and promoting accountability.
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