Driving in Zambia involves more than just operating a vehicle—it’s about respecting national road laws, ensuring road safety, and avoiding habits that could lead to penalties or accidents. With the Road Transport and Safety Agency (RTSA) increasing enforcement efforts, it’s vital for both new and experienced drivers to stay informed and vigilant.

This guide breaks down the most common driving mistakes in Zambia that result in fines, legal trouble, or safety hazards, with practical tips to help you stay compliant and safe on the roads.

1. Driving Without Valid Vehicle Documentation

Driving without essential documents such as the road tax certificate, insurance, or Certificate of Fitness (COF) is illegal. RTSA officers regularly conduct roadblocks, especially in major cities like Lusaka, Ndola, and Kitwe.

  • Penalty: Vehicle impoundment, court summons, or fines up to ZMW 1,000

  • Solution: Use SMS or calendar alerts to track renewal dates.

  • Helpful Link: Step-by-Step Car Registration Guide

2. Ignoring Traffic Lights and Road Signs

Running red lights, ignoring “No U-turn” or “Stop” signs, and speeding through yellow lights can cost you.

  • Penalty: Fines between ZMW 300–ZMW 1,000 and potential points on your license

  • Tip: Slow down at intersections and respect all road signs.

  • Watch Out: Traffic cameras are now in place in some Lusaka zones.

3. Not Wearing Seatbelts

RTSA mandates that all occupants wear seatbelts, especially on highways such as the T2 Lusaka–Ndola Road.

  • Penalty: On-the-spot fine of ZMW 300

  • Reminder: Make seatbelt checks a part of your startup routine.

  • Insurance Note: Insurance claims may be affected if passengers aren’t belted during an accident.

4. Using a Mobile Phone While Driving

Texting or calling while driving without a hands-free device is considered distracted driving and is one of Zambia’s most penalized offenses.

  • Penalty: Fines between ZMW 500–ZMW 1,500, and up to 6-month license suspension

  • Tip: Invest in a Bluetooth earpiece or dashboard phone holder.

5. Reckless Overtaking and Overspeeding

On rural highways with blind spots, reckless overtaking can be fatal. Speeding also remains a top cause of accidents in Zambia.

  • Penalty: Fines from ZMW 800–ZMW 2,000, arrest, or license suspension

  • Tip: Stick to posted limits and never overtake unless visibility is clear.

  • Extra: Read our Vehicle Inspection Guide to ensure your car’s brakes and tires are reliable.

6. Illegal Parking in Urban Areas

Parking in non-designated zones causes congestion and is regularly fined, especially in Lusaka Central Business District and along Cairo Road.

  • Penalty: ZMW 200–ZMW 500 + towing/storage fees

  • Tip: Use RTSA-approved parking areas and avoid blocking driveways or pedestrian paths.

7. Driving Under the Influence (DUI)

DUI is a serious offense. Random checkpoints are set up by RTSA during weekends, holidays, and at major road exits.

  • Penalty: Immediate arrest, license suspension, or heavy fines

  • Tip: Use Ulendo, Yango, or a designated driver if you've consumed alcohol.

8. Driving Without a Valid Driver’s License

Whether expired, suspended, or entirely unlicensed—driving without a valid license is a major violation.

  • Penalty: ZMW 1,000 fine, impoundment, or jail time

  • Pro Tip: Renew your license on time through RTSA’s SmartPay online system.

  • More Info: RTSA Website

9. Other Frequent Offenses

  • Failure to Indicate Turns: Confuses other road users and leads to fender benders.

  • Driving With Bald Tires or Broken Headlights: Compromises safety and is easily fined.

  • Overloading: Especially on public minibuses—risk of rollover and penalties.

  • Excessive Honking in Quiet Zones: Fines applied in residential or hospital areas.

How to Avoid Traffic Fines in Zambia

  • Know the Law: Familiarize yourself with Zambia’s Highway Code.

  • Stay Informed: Follow RTSA updates via rtsa.org.zm or caryandi.com.

  • Drive Defensively: Stay alert and anticipate the mistakes of others.

  • Maintain Your Vehicle: Regular service prevents legal and mechanical problems.

  • Use Resources: Get inspection, registration, and insurance guides from Caryandi.

Final Thoughts

Avoiding traffic fines in Zambia comes down to knowledge, caution, and responsibility. By avoiding these common mistakes, you protect not only your wallet but also lives—yours and others. Whether you're cruising in a compact car or a budget-friendly SUV, smart driving habits will keep you safe and legal on Zambia’s roads.

For more driving guides, visit caryandi.com and follow our regular updates on traffic tips, vehicle reviews, and automotive regulations.