Car Insurance Prices in Zambia
Updated March 2026
Compare car insurance policies from Zambian insurers. Third Party (mandatory) from ZMK 350/year. Comprehensive from ZMK 1,500/year.
Insurance Policy Types & Prices
Third Party Only
Damage you cause to others, required by law
Best for: Minimum legal requirement
ZMK 350 – 800/year
Third Party Fire & Theft
Third party + fire damage + theft of your vehicle
Best for: Older/cheaper vehicles
ZMK 800 – 1,500/year
Comprehensive
All risks — accidents, theft, fire, vandalism, windscreen
Best for: Newer/financed vehicles
ZMK 1,500 – 5,000/year
Premium Comprehensive
Full cover + roadside assist + courtesy car + personal accident
Best for: High-value vehicles
ZMK 4,000 – 12,000/year
Motorcycle (Third Party)
Third party liability for motorcycles
Best for: Boda boda operators
ZMK 200 – 400/year
Commercial Vehicle
Goods in transit, fleet cover, employee liability
Best for: Business vehicles
ZMK 2,000 – 8,000/year
Insurance Providers in Zambia
| Provider | Cover Types |
|---|---|
| ZSIC General Insurance | All types |
| Professional Insurance | All types |
| Madison General Insurance | Comprehensive |
| Hollard Insurance | All types |
| NICO Insurance | All types |
Car Insurance in Zambia — Guide
Car insurance in Zambia is regulated by the Pensions and Insurance Authority (PIA). Third Party Only is the minimum legal requirement — driving uninsured can result in fines, vehicle impoundment, and criminal charges. Comprehensive cover is strongly recommended for vehicles worth more than ZMK 100,000.
How Claims Work
Report accidents to police within 24 hours and notify your insurer within 48 hours. Submit: police report, completed claim form, driver's license, photos of damage. Most claims are processed within 14-30 days. Excess (deductible) typically ranges from ZMK 500-2,000 depending on the policy.
Frequently Asked Questions
Is car insurance mandatory in Zambia?
Yes, Third Party Motor Insurance is mandatory by law (Road Traffic Act). Driving without insurance is an offence with fines of ZMK 300-600 and potential vehicle impoundment. You must carry your insurance certificate (blue card) at all times when driving.
How much is car insurance in Zambia?
Third party only costs ZMK 350-800/year. Comprehensive insurance costs ZMK 1,500-5,000/year depending on vehicle value, age, driver history, and insurer. Premiums are typically 3-7% of the vehicle's insured value for comprehensive cover.
Which insurance company is cheapest in Zambia?
ZSIC General Insurance often has the most competitive rates for basic cover. Compare quotes from at least 3 providers — premiums can vary by 30-50% for the same cover. Professional Insurance and Hollard are also competitively priced.
What documents do I need for car insurance?
You need: vehicle registration book (blue book), valid driver's license, NRC or passport, vehicle inspection report (for comprehensive cover), and the previous insurance certificate if transferring. The process takes 30-60 minutes at any insurance office.