• By Raymond Momanyi

Imana Insurance Price Index Kenya | September 2026 Rates

Planning your insurance budget for September 2026? See indicative Motor and Medical Insurance prices in Kenya for private cars, PSV taxis, Matatus, motorcycles, families, seniors and SMEs. Compare live quotes through Imana.

Website: www.imana.co.ke
MyKava: www.mykava.co.ke

Compare quotations:
https://imana.co.ke/

How Much Should You Budget for Insurance in Kenya in September 2026?

Most people searching:

“How much is insurance in Kenya?”

do not want a complicated insurance lecture.

They want a realistic number they can put into a budget.

How much should I set aside for Third Party Insurance?

How much might Comprehensive Insurance cost for my KSh 2 million car?

What should I budget for a 14-seater Matatu?

How much could Medical Insurance cost for my family?

What about Medical Insurance for my 70-year-old parent?

These are practical questions.

The Imana Insurance Price Index — September 2026 is designed to answer them.

The figures in this guide are indicative budgeting ranges based on recent quotations, published product rates and insurance pricing structures available through Imana and MyKava.

They are not guaranteed premiums.

Your actual quotation can change depending on:

• Insurer
• Vehicle
• Vehicle use
• Vehicle value
• Age
• Claims history
• Medical benefits
• Number of people covered
• Underwriting
• Applicable charges

To replace a budget estimate with a current quotation, visit:

https://imana.co.ke/

Why Imana Is Publishing an Insurance Price Index

Insurance customers should be able to research prices before they buy.

If you are buying a car worth KSh 2 million, you should have some idea what Comprehensive Insurance may cost before visiting the dealer.

If you operate a Matatu, you should be able to estimate your annual Third Party Insurance cost before renewal.

If you want Medical Insurance for your parents, you should understand approximately what annual budget may be required.

That is the purpose of this Index.

It answers:

“Approximately how much should I budget?”

before moving to:

“What is my actual quotation?”

How to Read the Imana Insurance Price Index

The figures below are designed for planning.

They should not be interpreted as:

• Fixed tariffs
• Guaranteed prices
• Binding quotations
• Prices available from every insurer

Insurance pricing is risk-based.

Two insurers can quote the same vehicle differently.

Two Medical Insurance plans covering a family of four can also differ dramatically because the benefits are not identical.

Use this Index to establish a budget.

Then compare actual quotations.

Imana Motor Insurance Price Index — September 2026

Motor Insurance is easier to benchmark than many other insurance classes because insurers often use relatively clear pricing factors.

For Third Party Insurance, the principal factors include:

• Vehicle class
• Use
• Passenger capacity where applicable

For Comprehensive Insurance, pricing is strongly influenced by:

• Vehicle value
• Vehicle use
• Age
• Insurer rate
• Minimum premium
• Extensions

Private Car Third Party Insurance

For a normal privately used car, a useful September 2026 budgeting range is approximately:

KSh 4,500–18,000 per year

Some smaller private vehicles may fall toward the lower end.

Larger vehicles or different insurer rating structures can move toward the upper end or beyond it.

Practical budget

For an ordinary private car, setting aside approximately:

KSh 5,000–7,500

provides a useful initial budget before requesting a live quotation.

Compare Private Car Insurance

https://imana.co.ke/motor-quote

Comprehensive Insurance for a KSh 1 Million Car

Comprehensive Insurance is generally calculated using the vehicle's current market value.

For a standard private car worth:

KSh 1,000,000

a useful budgeting range is approximately:

KSh 30,000–55,000 annually

A standard private saloon can fall toward the lower or middle part of the range.

Premiums can rise where:

• The vehicle is older
• Minimum premiums apply
• Theft exposure is higher
• Several extensions are added
• The vehicle is an SUV or specialised model

Practical September budget

For a KSh 1 million private car, I would budget roughly:

KSh 40,000–50,000

then obtain actual quotations.

Comprehensive Insurance for a KSh 2 Million Car

For a private vehicle valued at:

KSh 2,000,000

a reasonable planning range is approximately:

KSh 60,000–100,000 annually

A straightforward saloon with favourable underwriting may sit toward the lower end.

An SUV, financed vehicle or policy with several extensions can move higher.

Practical September budget

Set aside approximately:

KSh 75,000–90,000

for initial budgeting.

Then compare current insurer rates.

Why Comprehensive Insurance Does Not Have One Fixed Percentage

One insurer might quote:

3%

another:

3.5%

and another:

4.5%

But the percentage alone does not tell the whole story.

One insurer may include:

• Excess Protector
• PVT
• Road rescue

while another charges them separately.

The lower percentage is therefore not automatically the better policy.

PSV Taxi Insurance — Uber, Bolt and Private Hire

PSV Taxi Insurance applies where the vehicle is used to carry passengers for hire.

Examples include:

• Uber
• Bolt
• Traditional taxi
• Private hire

For Third Party PSV Taxi Insurance, a useful observed starting range is approximately:

KSh 7,500–10,000+ annually

depending on insurer and vehicle.

Comprehensive PSV Taxi Insurance is normally calculated as a percentage of vehicle value.

Observed budgeting rates can fall around:

4.5%–6.5% of vehicle value

for some risks.

Example: KSh 1 Million PSV Taxi

If the taxi is valued at:

KSh 1,000,000

at 4.5%:

KSh 45,000

At 6.5%:

KSh 65,000

A sensible working budget is therefore:

KSh 45,000–65,000+

before extensions and final underwriting.

14-Seater Matatu Third Party Insurance

This is one area where accurate classification matters enormously.

Matatu Third Party pricing is primarily influenced by passenger seating capacity, rather than vehicle value.

On a PSV seat-capacity quotation card previously reviewed for Imana, the 14-seater annual Third Party rate is:

KSh 88,357 per year

For budgeting purposes, a 14-seater Matatu owner should therefore plan approximately:

KSh 88,000–90,000 annually

under that pricing structure.

Do not use a PSV Taxi price of KSh 7,574 as though it automatically applies to a 14-seater Matatu.

Taxi and Matatu risks are different.

Short-Term 14-Seater Matatu Insurance

The same observed rate structure includes shorter periods.

For a 14-seater:

30 days: approximately KSh 8,191

14 days: approximately KSh 4,750

7 days: approximately KSh 2,750

Availability should always be confirmed with the insurer.

Motorcycle Insurance

Motorcycle Insurance varies according to use.

A motorcycle could be:

• Private
• Delivery
• Commercial
• PSV boda boda

A practical Third Party budgeting range is approximately:

KSh 1,500–4,000 annually

depending on use and insurer.

For budgeting:

KSh 2,000–4,000

is a useful starting point.

Passenger-carrying boda bodas should be insured under the correct PSV motorcycle class.

Commercial Pickup Insurance

Commercial pickups may be used for:

• Own Goods
• Deliveries
• General Cartage
• Institutional operations

A useful Third Party budget for a lighter Own Goods pickup is approximately:

KSh 5,000–9,000 annually

General Cartage and heavier vehicles may cost more.

For Comprehensive Commercial Vehicle Insurance, pricing is normally related to vehicle value and use.

Example: KSh 1.5 Million Commercial Pickup

If a pickup worth:

KSh 1,500,000

attracts an illustrative rate of 4.4%, the mathematical premium would be:

KSh 66,000

However, insurer minimum premiums may push the final quotation higher.

September 2026 Motor Insurance Budget Snapshot

If you are preparing a simple insurance budget for September 2026, these are useful starting figures:

• Private Car Third Party: about KSh 5,000–8,000
• KSh 1M private car Comprehensive: about KSh 30,000–55,000
• KSh 2M private car Comprehensive: about KSh 60,000–100,000
• PSV Taxi Third Party: about KSh 7,500–10,000+
• PSV Taxi Comprehensive: roughly 4.5%–6.5% of value for some risks
• 14-seater Matatu Third Party: about KSh 88,357
• Motorcycle Third Party: about KSh 1,500–4,000
• Commercial Pickup Third Party: about KSh 5,000–9,000+

Again, these are budgeting figures.

Compare Current Motor Quotes

https://imana.co.ke/motor-quote

What Usually Changes a Motor Insurance Quote?

Your final Motor Insurance price may change because of:

• Private vs commercial vs PSV use
• Vehicle value
• Vehicle age
• Claims history
• Make and model
• Tracker requirement
• Excess
• Excess Protector
• Windscreen
• Courtesy car
• PVT
• COMESA
• Insurer appetite

Never budget solely from a social media poster without confirming the correct insurance class.

COMESA Yellow Card Budgeting

If you intend to drive beyond Kenya into participating COMESA Yellow Card territories, the Yellow Card is a separate cross-border Motor Third Party arrangement.

Published Imana budgeting rates previously used in 2026 include approximately:

Private vehicle: KSh 12,000 annually

Commercial vehicle: KSh 20,000 annually

Motorcycle: KSh 5,000 annually

plus applicable card or issuance costs.

Shorter-period pricing may differ.

Always confirm the live price and destination before travelling.

Imana Medical Insurance Price Index — September 2026

Medical Insurance is harder to reduce to one average figure.

Why?

Because two people looking for “Medical Insurance” may be buying completely different products.

A 30-year-old may want:

• Inpatient only

A 70-year-old may need:

• Inpatient
• Outpatient
• Chronic-condition benefits

A family may need:

• Maternity
• Children
• Dental
• Optical

A company may want:

• Group Medical for 10 employees

Those should not be averaged into one meaningless price.

Two Useful Medical Insurance Budget Categories

For budgeting, it is useful to distinguish between:

Accessible or lower-limit Medical Insurance

These plans generally focus on more affordable:

• Inpatient
• Optional outpatient
• Defined limits

Examples can include selected MyKava-style Medical Insurance products.

Broader Private Medical Insurance

These may offer:

• Higher inpatient limits
• Wider hospital access
• Larger outpatient benefits
• Specialist benefits
• Broader optional benefits

The premium can be substantially higher.

Medical Insurance for an Individual Age 30

For a person aged approximately 30, accessible Medical Insurance can start from relatively modest annual premiums depending on benefits.

A useful entry-level budgeting range is approximately:

KSh 8,000–25,000 annually

for lower-limit arrangements.

For broader private Medical Insurance:

KSh 18,000–70,000+ annually

can be a more realistic planning range depending on:

• Inpatient limit
• Outpatient
• Hospital panel
• Benefits

Medical Insurance for a Couple

For two adults in their 30s or 40s, an accessible cover budget might begin around:

KSh 15,000–45,000

depending heavily on benefits.

For broader private Medical Insurance:

KSh 35,000–130,000+

may be a more realistic budgeting band.

The variation is large because adding:

• Outpatient
• Maternity
• Dental
• Optical
• Higher inpatient limits

changes the policy significantly.

Medical Insurance for a Family of Four

For a family of four, an accessible Medical Insurance plan might fall approximately within:

KSh 20,000–60,000 annually

depending on ages and benefits.

For broader private Medical Insurance:

KSh 50,000–180,000+

is a more realistic overall planning band.

For many middle-market families seeking inpatient plus outpatient protection, a more practical working budget may be around:

KSh 65,000–110,000+

depending on plan design.

Medical Insurance for a Parent Age 60

At age 60, premiums typically rise.

A useful accessible-plan budgeting range can begin around:

KSh 20,000–70,000

depending on limits and outpatient benefits.

For broader private senior plans:

KSh 45,000–135,000+

may be more realistic.

For parents, price should never be considered without checking:

• Maximum entry age
• Renewal age
• Chronic conditions
• Waiting periods
• Hospital network

Medical Insurance for a Parent Age 70

At age 70, fewer products may accept new entrants.

Senior Medical Insurance becomes more specialised.

Published MyKava examples previously used for ages 66–75 include:

Option 1

Inpatient: KSh 750,000
Outpatient: KSh 75,000
Annual premium: approximately KSh 53,740

Option 2

Inpatient: KSh 500,000
Outpatient: KSh 50,000
Annual premium: approximately KSh 44,840

Those are product-specific examples and should be reconfirmed before purchase.

For broader senior insurance, premiums can rise significantly beyond these amounts.

Medical Insurance for an SME With 10 Employees

Group Medical Insurance should not be estimated by simply multiplying one individual premium by 10.

The insurer may consider:

• Ages
• Employee count
• Dependants
• Inpatient limits
• Outpatient limits
• Industry
• Claims history
• Benefits

For employee-only entry-level arrangements, a rough budgeting band could be:

KSh 8,000–35,000 per employee

Broader employee-only private Medical Insurance can sit around:

KSh 15,000–50,000+ per employee

Adding spouses and children can materially increase the cost.

Why Medical Insurance Has Such Wide Price Ranges

Suppose one Medical Insurance plan costs:

KSh 20,000

and another:

KSh 70,000

That does not automatically mean one insurer is expensive.

The KSh 70,000 plan may provide:

• Higher inpatient limit
• Outpatient
• Better hospital network
• Maternity
• Dental
• Optical

They may be completely different products.

What Usually Changes a Medical Insurance Quote?

Important pricing factors include:

• Age
• Number of dependants
• Inpatient limit
• Outpatient limit
• Maternity
• Dental
• Optical
• Chronic conditions
• Pre-existing-condition treatment
• Hospital network
• Waiting periods
• Insurer

This is why Medical Insurance should be customised before a customer decides based on price.

Compare Medical Plans

https://imana.co.ke/health-quote

SHA and Private Medical Insurance Are Different

SHA forms part of Kenya's public social health-financing system.

Private Medical Insurance is a separate contractual product.

Customers should not treat the premium ranges in this Index as SHA contributions.

Many households may use:

SHA + Private Medical Insurance

depending on healthcare needs and affordability.

A Simple September 2026 Insurance Budget

If you are preparing household or business finances for September, consider the following examples.

Private car owner

For basic statutory Third Party protection:

Budget approximately KSh 5,000–8,000

If your private car is worth KSh 1 million and you want Comprehensive protection:

Budget approximately KSh 40,000–50,000

Owner of a KSh 2 million private car

For Comprehensive:

Budget approximately KSh 75,000–90,000

before confirming benefits.

Ride-hailing driver

For PSV Taxi Third Party:

Budget from approximately KSh 7,500–10,000+

For Comprehensive, budget based on vehicle value.

14-seater Matatu owner

For annual Third Party on the referenced seat-capacity structure:

Budget approximately KSh 88,357

Family of four

For accessible Medical Insurance:

Budget approximately KSh 20,000–60,000

For broader private Medical Insurance:

Budget roughly KSh 65,000–110,000+

depending on benefits.

Parent aged 70

For selected lower-limit senior Medical Insurance:

Budget approximately KSh 45,000–55,000+

while recognising that broader senior plans can cost considerably more.

Do Not Budget Insurance From One Social Media Screenshot

An advert may say:

“Comprehensive Insurance from KSh 25,000.”

That does not mean your KSh 3 million SUV will cost KSh 25,000.

Likewise, a Medical Insurance poster advertising:

“Medical cover from KSh 5,000.”

does not mean a 70-year-old requiring outpatient and chronic-condition protection will pay the same amount.

Always ask:

For which customer?For which vehicle?What limit?What benefits?Which insurer?

Where to Compare Insurance Quotations in Kenya

Imana Insurance Agency Kenya Ltd helps customers compare insurance quotations before choosing cover.

Instead of approaching insurers one by one, you can start at:

https://imana.co.ke/

For Motor Insurance:

https://imana.co.ke/motor-quote

For Medical Insurance:

https://imana.co.ke/health-quote

For Travel and selected insurance products:

www.mykava.co.ke

Imana is based in Westlands, Nairobi, and supports digital insurance enquiries for customers across Kenya.

Does Imana Charge for Quotations?

There is no separate charge for ordinary quotation comparison through Imana.

Customers can request suitable quotations and compare available options before choosing cover.

The insurance premium remains payable according to the insurer's quotation.

How Quickly Can I Get a Quote?

For straightforward Motor Insurance, quotations can often be generated quickly once complete vehicle details are supplied.

Medical and other customised insurance products may often require approximately:

5–15 minutes

for straightforward cases.

More complex risks can take longer.

Which Insurers Can Imana Work With?

Depending on the class of insurance and underwriting appetite, options may include insurers such as:

• Pioneer
• CIC
• Definite
• Birdview
• APA
• Pacis
• ICEA
• Old Mutual

among others.

Availability varies according to the risk.

Frequently Asked Questions

What is the Imana Insurance Price Index?

It is an indicative budgeting guide showing observed insurance pricing ranges for selected Motor and Medical Insurance risks.

Are these the exact prices I will pay?

No.

They are budgeting figures.

Your actual premium depends on the insurer and your individual risk.

How much should I budget for Private Car Third Party Insurance?

Approximately:

KSh 5,000–8,000 annually

is a practical starting budget.

How much should I budget for Comprehensive Insurance on a KSh 1 million car?

Approximately:

KSh 30,000–55,000

with many standard budgeting scenarios around KSh 40,000–50,000.

How much for a KSh 2 million car?

Approximately:

KSh 60,000–100,000

depending on insurer and benefits.

How much is Third Party Insurance for a 14-seater Matatu?

On the referenced seat-capacity quotation structure:

KSh 88,357 annually

subject to current insurer confirmation.

How much does Medical Insurance cost for a family of four?

An accessible plan may budget around:

KSh 20,000–60,000

while broader private Medical Insurance can move to:

KSh 65,000–110,000+

or higher depending on benefits.

How much does Medical Insurance cost for a 70-year-old?

Selected lower-limit senior products can fall around:

KSh 45,000–55,000+

while broader plans may cost substantially more.

Where can I compare actual insurance quotations?

Visit:

https://imana.co.ke/

Imana Insurance Price Index — September 2026: Final Answer

If you are simply trying to answer:

“How much money should I put aside for insurance?”

this Index gives you a reasonable starting point.

For September 2026 budgeting:

Private Car Third Party: approximately KSh 5,000–8,000

KSh 1M private car Comprehensive: approximately KSh 30,000–55,000

KSh 2M private car Comprehensive: approximately KSh 60,000–100,000

PSV Taxi Third Party: approximately KSh 7,500–10,000+

14-seater Matatu Third Party: approximately KSh 88,357

Motorcycle Third Party: approximately KSh 1,500–4,000

Commercial Pickup Third Party: approximately KSh 5,000–9,000+

For Medical Insurance, the better formula is:

Age + Family size + Benefits + Hospital network + Insurer = realistic budget

The Price Index gives you a starting number.

A live quotation gives you the actual number.

Budget with a range. Compare the quotations. Buy the cover that still makes sense when you need to claim.

Compare Insurance Quotations

www.imana.co.ke

Motor Insurance:
https://imana.co.ke/motor-quote

Medical Insurance:
https://imana.co.ke/health-quote

MyKava:
www.mykava.co.ke

Author:
Raymond Momanyi – Founder & CEO, Imana Insurance Agency Kenya Ltd

The Imana Insurance Price Index is a budgeting guide based on observed quotation levels and selected published insurance pricing examples. It is not a tariff, binding quotation or guarantee of insurer acceptance. Final premiums depend on underwriting, insurer appetite, benefits, vehicle classification, age, claims history and applicable charges.