Photo: Bahnfrend, Wikimedia Commons, CC BY-SA 4.0Top 10 insurance companies in Kenya (2025)
The IRA ranking by premium
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General insurers ranked by premium (2025)
Source: IRA Kenya — Insurance Industry Release Q4 2025 (Appendices 7, 18, 22; complaints Figures 2–3). Figures converted from KES thousands as printed. A claims ratio is claims relative to premium: very low can mean few claims paid, very high can mean losses; read it with the other columns.
Largest motor insurers in Kenya
| # | Insurer | Motor premium (KES million) | Share of motor (calculated) |
|---|---|---|---|
| 1 | CIC General Insurance Company | 6,614.3 | 10.8% |
| 2 | APA Insurance Limited | 5,470.4 | 8.9% |
| 3 | Madison Insurance Company | 4,112.4 | 6.7% |
| 4 | Sanlam Allianz General Insurance | 3,531.8 | 5.7% |
| 5 | African Merchant Assurance | 3,472.4 | 5.6% |
| 6 | GA Insurance Company | 3,368 | 5.5% |
| 7 | Old Mutual General Insurance | 3,336.8 | 5.4% |
| 8 | ICEA LION General Insurance | 3,121.2 | 5.1% |
| 9 | Directline Assurance Company | 2,734.1 | 4.4% |
| 10 | Fidelity Shield Insurance | 2,703.5 | 4.4% |
| 11 | Britam General Insurance | 2,319.6 | 3.8% |
| 12 | Geminia Insurance Company | 2,176 | 3.5% |
Largest medical insurers in Kenya
| # | Insurer | Medical premium (KES million) | Share of medical (calculated) |
|---|---|---|---|
| 1 | Jubilee Health Insurance | 17,047.5 | 18.3% |
| 2 | AAR Insurance Kenya | 12,539 | 13.4% |
| 3 | Old Mutual General Insurance | 11,241.4 | 12.1% |
| 4 | CIC General Insurance Company | 10,175.1 | 10.9% |
| 5 | APA Insurance Limited | 7,901.1 | 8.5% |
| 6 | Britam General Insurance | 7,102.4 | 7.6% |
| 7 | Bupa Global Insurance | 5,329.1 | 5.7% |
| 8 | GA Insurance Company | 4,735.9 | 5.1% |
| 9 | First Assurance Company | 3,755.5 | 4.0% |
| 10 | The Heritage Insurance Company | 3,615.9 | 3.9% |
| 11 | Madison Insurance Company | 3,232.1 | 3.5% |
| 12 | Star Discover Insurance | 1,553.9 | 1.7% |
Life insurers ranked by premium (2025)
| # | Insurer | Premium (KES million) | Market share |
|---|---|---|---|
| 1 | Britam Life Assurance | 53,136.7 | 22.57% |
| 2 | ICEA LION Life Assurance | 32,815 | 13.94% |
| 3 | Jubilee Life Insurance | 30,655 | 13.02% |
| 4 | Kenindia Assurance Company | 18,169.9 | 7.72% |
| 5 | APA Life Assurance Company | 14,523 | 6.17% |
| 6 | CIC Life Assurance Company | 13,269.7 | 5.64% |
| 7 | GA Life Assurance Company | 13,015.4 | 5.53% |
| 8 | ABSA Life Assurance | 10,028 | 4.26% |
| 9 | Pioneer Assurance Company | 9,035.9 | 3.84% |
| 10 | Old Mutual Life Assurance Kenya | 6,631.1 | 2.82% |
| 11 | Liberty Life Assurance Company | 6,280.1 | 2.67% |
| 12 | Equity Life Assurance | 6,099.7 | 2.59% |
| 13 | Sanlam Life Assurance | 6,058.6 | 2.57% |
| 14 | Madison Insurance Company | 5,814.5 | 2.47% |
| 15 | Prudential Life Assurance | 3,418.8 | 1.45% |
| 16 | Geminia Life Insurance Company | 2,149 | 0.91% |
| 17 | Kenya Orient Life Assurance | 1,402.6 | 0.60% |
| 18 | Capex Life Assurance Company | 1,357.7 | 0.58% |
| 19 | The Kenyan Alliance Insurance | 914.6 | 0.39% |
| 20 | Cannon Life Assurance (K) Limited | 540.5 | 0.23% |
| 21 | Star Discover Life Insurance | 40.2 | 0.02% |
| 22 | Corporate Insurance Company | 34 | 0.01% |
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Frequently asked questions
What are the top 10 insurance companies in Kenya?
By general insurance premium in 2025 (IRA Kenya, Q4 2025 release): 1. CIC General Insurance Company, 2. APA Insurance Limited, 3. Old Mutual General Insurance, 4. GA Insurance Company, 5. Jubilee Health Insurance, 6. Britam General Insurance, 7. AAR Insurance Kenya, 8. Madison Insurance Company, 9. ICEA LION General Insurance, 10. Mayfair Insurance Company. In life insurance, the five largest by premium: Britam Life Assurance, ICEA LION Life Assurance, Jubilee Life Insurance, Kenindia Assurance Company, APA Life Assurance Company.
Which is the best insurance company in Kenya?
No official ranking says which insurer is "best": IRA publishes size, claims ratios and complaints, not a quality score, and Tulinde does not rate insurers either. Use the tables on this page — premium, claims ratio, complaints — with the complaints-by-company page, then compare written quotes from two or three licensed insurers for the cover you need.
Which are the top life insurance companies in Kenya?
By life premium in 2025 (IRA Kenya): 1. Britam Life Assurance (KES 53.1 billion), 2. ICEA LION Life Assurance (KES 32.8 billion), 3. Jubilee Life Insurance (KES 30.7 billion), 4. Kenindia Assurance Company (KES 18.2 billion), 5. APA Life Assurance Company (KES 14.5 billion).
What is the biggest insurance company in Kenya?
By general insurance premium in 2025: CIC General Insurance Company, with KES 20,641.5 million. In life insurance: Britam Life Assurance.
Which insurer sells the most motor insurance in Kenya?
CIC General Insurance Company, with KES 6,614.3 million of motor premium in 2025.
Which is the biggest medical insurer in Kenya?
Jubilee Health Insurance, with KES 17,047.5 million of medical premium in 2025.