Car Insurance in Morocco

Car insurance is the top insurance expenditure for Moroccan households. With more than 4.5 million insured vehicles, the market is dominated by major players such as Wafa Assurance, RMA, AXA Maroc and Sanlam. Premiums vary considerably depending on the driver's profile, city of residence, vehicle type and chosen coverage level. In Casablanca, premiums are on average 15% higher than in Marrakech due to denser traffic and a higher claims rate. In 2026, the average third-party insurance premium is between 1,600 and 2,500 MAD/year, while a comprehensive formula can reach 5,000 to 12,000 MAD/year depending on the vehicle.

The Moroccan car insurance market is supervised by the Insurance and Social Welfare Control Authority (ACAPS). This regulatory body ensures compliance with policyholders' rights and sets minimum tariff rules. Since the partial liberalisation of tariffs in 2006, insurers have had room to offer competitive products, making comparison all the more important for consumers. The Moroccan bonus-malus system rewards good drivers: after 2 years without a claim, you benefit from a 10% reduction on your premium, rising to 50% after 13 accident-free years.

In Morocco, civil liability insurance is mandatory for any vehicle in use (article 120 of the Insurance Code). Driving without insurance incurs a fine of 2,000 to 5,000 MAD and impounding of the vehicle. Beyond the legal minimum, it is strongly recommended to take out complementary cover: theft and fire (especially in Casablanca and Tangier), windscreen cover, driver guarantee (often overlooked but essential) and 24h roadside assistance. New vehicles and cars worth more than 200,000 MAD generally justify comprehensive cover.

Wafir.ma lets you compare car insurance offers from Morocco's 8 leading insurers in just minutes. Our free comparator takes into account your driver profile (age, licence seniority, claims history), your vehicle's characteristics (brand, model, year, fiscal horsepower) and the desired coverage level to propose the best offers. Whether you are looking for affordable third-party insurance or premium comprehensive cover, our free tool helps you find the best value for money. The service is 100% free, without commitment and without sharing your personal data.