Before You Buy That Car in Kenya – Read This First!”

Buying a car is a dream for many Kenyans, but what most buyers don’t realize is that owning a car goes far beyond the purchase price. There are several hidden costs that, if ignored, can quickly turn your dream into a financial nightmare.

We believe in empowering our customers with the full picture. Here's a breakdown of the hidden car ownership costs in Kenya you should know before driving off with your new or used vehicle.

1. Annual Motor Vehicle Inspection

If your car is more than four years old, you're required to undergo a mandatory annual inspection by NTSA. The process costs around Ksh 1,000–2,000, but failing to comply can lead to penalties or impounding.

2. Fuel Consumption

Not all cars are created equal, a  2400cc SUV consumes more fuel than a 1300cc hatchback. With fuel prices constantly rising in Kenya, it’s important to calculate monthly fuel costs based on your route and vehicle type. Average urban consumption can range from Ksh 12,000 to Ksh 30,000/month.

3. Maintenance & Repairs

From oil changes to tyre replacements, car maintenance is non-negotiable. Some parts are expensive or hard to find, especially for European models. Budget at least:

  • Ksh 5,000–15,000 quarterly for standard maintenance

  • Ksh 30,000+ annually for major servicing

4. Insurance Premiums

You’ll need at least Third-Party Insurance, but most owners prefer Comprehensive Insurance for full protection. This can cost:

  • Third-party: Ksh 6,000–8,000/year

  • Comprehensive: 3%–5% of the car's value annually

5. Parking Fees & City Council Charges

If you live or work in a city like Nairobi, expect:

  • Daily parking fees of Ksh 100–200

  • Occasional clamping fines or penalties for late payment

6. Car Logbook Transfer & TIMS Charges

Transferring ownership via NTSA’s TIMS system involves:

  • Logbook transfer fees

  • NTSA charges (approx. Ksh 1,000–2,000)

  • Broker or cyber café service charges if you don’t DIY

7. Toll & Highway Fees

With the introduction of the Expressway and upcoming toll roads, factor in:

  • Ksh 250–360 per trip on major toll roads

  • Prepaid cards and possible future automatic deductions

8. Security Enhancements

Car theft and vandalism are real threats. You may need:

  • Alarm systems (Ksh 5,000–15,000)

  • Wheel locks, tracking devices (Ksh 15,000–30,000)

  • Secure parking in residential areas (at a monthly cost)

9. Depreciation

Your car starts losing value the moment you drive it off the lot. Expect a depreciation rate of:

  • 15%-25% annually depending on make, model, and condition

This matters if you plan to resell your car later or you want to maintain its condition and value.

 Hidden Costs Add Up Quickly!

Many first time buyers focus only on the initial price tag, but these hidden expenses can double your cost of ownership within 3–5 years. That’s why we ensure every buyer is aware and prepared.

Save Big on Car Ownership

  • Choose fuel-efficient or hybrid vehicles

  • Buy cars with affordable spare parts

  • Maintain a regular servicing schedule

  • Compare insurance quotes

  • Always factor in resale value

Note:

Buying a car in Kenya is a smart investment, but only if you go in with eyes wide open. At Harry's Autocars, we offer:

  • Expert guidance

  • Budget-friendly options

  • Full transparency on ownership costs

Ready to own with confidence? Visit our Kiambu showroom today or call us for free car ownership advice!

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