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Vehicle & Transport Prices in Zambia

Compare prices for cars, motorcycles, tractors, and transport costs in Zambia. From brand-new Toyota Hilux to second-hand sedans — find the right vehicle for your budget.

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ZMK 15K

From (motorcycle)

2026-03

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Buying a Vehicle in Zambia

Toyota dominates the Zambian vehicle market with the Hilux being the most popular vehicle overall. Most new cars are sold through authorized dealerships in Lusaka, while the used car market is concentrated along Great East Road and Freedom Way.

New vs Used

  • New vehicles — Available from authorized dealers with warranty. Import duty applies.
  • Used (locally) — Private sellers, car lots on Great East Road
  • Used (imported) — Mainly from Japan and South Africa. Subject to import duty (25-30%) and VAT (16%)

Import Costs

Importing a used vehicle to Zambia costs approximately 40-50% on top of the vehicle price (customs duty + VAT + clearing fees + transport). Only vehicles under 5 years old can be imported. The main import routes are through Dar es Salaam (Tanzania) and Beira (Mozambique).

Vehicle Financing

Several banks in Zambia offer vehicle loans: Stanbic, Zanaco, and FNB provide financing for both new and used vehicles with interest rates of 18-28% per annum. A down payment of 20-30% is typically required, with loan terms of 3-5 years.

Frequently Asked Questions

Should I buy a new or used car in Zambia?
Used cars offer better value — a 3-5 year old Toyota Hilux costs 40-60% less than new. However, new cars come with full manufacturer warranty (3-5 years). Consider certified pre-owned vehicles from authorized Toyota or Nissan dealers for a balance of value and reliability.
How much does it cost to import a car to Zambia?
Import costs add approximately 40-50% on top of the vehicle price. This includes customs duty (25-30%), VAT (16%), clearing agent fees (ZMK 2,000–5,000), and transport from the port (Dar es Salaam or Beira). Only vehicles under 5 years old can be imported.
What is the most popular car in Zambia?
The Toyota Hilux is the most popular vehicle overall, followed by the Toyota Land Cruiser and Nissan NP300 Hardbody. For sedans, the Toyota Corolla and Nissan Sylphy are common. The used car market is dominated by Japanese imports — Toyota accounts for roughly 40% of all vehicles.
Where can I buy a car in Zambia?
New cars: Toyota Zambia (Lusaka, Kitwe), Southern Cross Motors (Nissan), and Auto World for other brands. Used cars: Great East Road car lots in Lusaka, Freedom Way, and online platforms like Facebook Marketplace. For motorcycles, Honda and TVS dealers are in major cities.
How much is car insurance in Zambia?
Third-party insurance (mandatory) costs ZMK 600–1,200/year. Comprehensive insurance costs 3-6% of the vehicle value annually — for a ZMK 300,000 car, expect ZMK 9,000–18,000/year. ZSIC, Professional Insurance, and Madison General are major providers.
What are the ongoing costs of owning a car in Zambia?
Monthly costs include fuel (ZMK 800–2,000 depending on usage), insurance (ZMK 75–150/month), road tax (ZMK 250/quarter), and maintenance (ZMK 500–1,500/service). Budget ZMK 2,000–4,000/month for total car ownership costs beyond the purchase price.

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