Kenya’s insurance penetration rose to 2.63% in 2025, up from 2.45% in 2024, the highest level since 2016. Insurance density also increased from 7,573 shillings to 8,675 shillings per person. Nairobi continued to dominate the sector, accounting for 81.1% of total insurance premiums, followed by Mombasa at 3.3%, Kiambu at 2.7% and Nakuru at 1.8%.