In a bid to improve compliance with third-party motor insurance, the Nigerian Police Force has launched a nationwide enforcement initiative targeting uninsured vehicles. The move comes as recent data reveals that only about 25% of vehicles on Nigerian roads are insured, leaving approximately nine million vehicles without coverage.
As of 2023, Nigeria had an estimated 12 million registered vehicles, but just three million were insured. The low rate of insurance coverage has been attributed to rising inflation and increased insurance premiums, which have made it difficult for many vehicle owners to afford proper coverage.
The enforcement initiative, which began in February 2025, aims to curb the widespread non-compliance with motor insurance laws. Driving without valid insurance in Nigeria carries severe penalties, including fines ranging from N2,000 to N300,000 or more, depending on the location and circumstances. In Lagos State, for instance, the fine for a first offense starts at N20,000.
In addition to financial penalties, offenders face the risk of imprisonment for up to one year, suspension or revocation of their driving and vehicle licenses, and even vehicle seizure. Authorities have the power to impound uninsured vehicles until proof of insurance is provided and all fines are paid.
The Nigerian Police Force has emphasized that the initiative is not only about enforcing the law but also about promoting road safety and protecting citizens from the financial burdens of accidents involving uninsured drivers. Third-party motor insurance is mandatory in Nigeria and is designed to cover damages or injuries caused to others in the event of an accident.
Despite the stringent penalties, compliance remains a challenge. Many drivers cite the high cost of premiums as a barrier to obtaining insurance, while others are unaware of the legal requirements. The enforcement drive is expected to raise awareness and encourage more vehicle owners to regularize their insurance status.
As the initiative rolls out across the country, authorities are urging motorists to ensure their vehicles are properly insured to avoid penalties and contribute to safer roads. The Nigerian Police Force has also called on insurance companies to explore more affordable options to make coverage accessible to a broader segment of the population.
With millions of vehicles still uninsured, the success of this enforcement campaign could mark a turning point in Nigeria’s efforts to improve road safety and financial responsibility among drivers.
