The top 10 insurance companies in Kenya as of early 2026 (reflecting recent 2025 data and trends) are ranked based on factors like market share (gross premiums), overall performance, customer reputation, claims handling, innovation, and listings from sources such as the Insurance Regulatory Authority (IRA), industry reports (e.g., Cytonn Investments H1’2025), and market analyses.
The Kenyan insurance market is split between general (non-life) like motor/health and long-term (life) products, with general insurance often leading in premiums.Note: Exact rankings vary slightly by metric (e.g., general vs. life, or combined). Recent data shows CIC, Britam, Jubilee, and APA frequently topping general insurance shares, while Britam, Jubilee, and ICEA Lion lead in life/long-term.
The market grew strongly in 2025, with total premiums around KES 241B+ in H1 alone. Top 10 Insurance Companies in Kenya (2025/2026 Overview)
- CIC Insurance Group
Often ranked #1 by market share in recent years (especially general insurance ~8-9%). Strong in general, health, and group covers; known for reliability and wide reach. - Britam Insurance
Consistently top-tier (frequently #1 or #2 in general ~8.2%, strong in life/long-term). Excellent digital claims, Milele health plans, and high NSE performance ratings. - Jubilee Insurance (including Jubilee Allianz/Jubilee Health)
A legacy leader with strong regional presence. Dominates health/medical insurance; praised for quick claims and comprehensive policies (e.g., J-Care). - APA Insurance
High market share in general insurance (often top 5, ~9% in prior data). Broad products including motor and business covers. - ICEA LION General Insurance
Major player in both general and life; strong in long-term premiums and overall reputation. - Old Mutual Kenya
Solid in general and life; frequently listed in top rankings for customer service and diverse offerings. - GA Insurance (part of I&M Group)
Strong general insurance share (~8%); reliable for motor and property covers. - Sanlam Kenya
Growing fast; good market share in general (~6-7% est.), high ratings in franchise value and growth potential. - Heritage Insurance
Consistent performer in general insurance; noted in market share lists. - Kenindia Assurance
Established player with good presence in various classes, including general and life.
Other notable mentions (often in top 10-15 depending on source): AAR Insurance (health specialist), First Assurance, Madison General, Equity General, and Liberty.Key Insights for 2025/2026
- Market Leaders by Segment — General: CIC/Britam/APA/GA; Life/Long-term: Britam/ICEA Lion/Jubilee.
- Trends — Digital innovation, health/microinsurance, and bancassurance drive growth. Many offer motor, health, life, and WIBA (work injury) covers.
- Choosing One — Consider your needs (e.g., health → Jubilee/AAR/Britam; motor → CIC/GA; life → Britam/Jubilee). Check latest IRA reports, customer reviews, and compare premiums/claims payout ratios.
- All listed above are licensed by the IRA for 2025 (full list includes ~50+ general insurers).
For the most current official stats, visit the IRA website (ira.go.ke) or recent Cytonn/NCBA reports. If you’re shopping for a specific type (e.g., car, health, life), let me know for more tailored advice!.
