With more than 4.5 million registered vehicles, car insurance is the largest insurance market in Morocco. Yet many drivers pay too much or remain under-insured due to lack of information. This guide gives you all the tools to understand, compare and optimise your car insurance.
The Legal Obligation to Insure
In Morocco, car insurance has been mandatory since Law No. 17-99 — the Insurance Code. Every motor vehicle driven on public roads must be covered at minimum by third-party liability (RC — responsabilité civile), commonly known as third-party insurance.
This obligation is designed to protect third parties (pedestrians, other drivers, passengers) in the event of an accident caused by the insured driver. Driving without insurance exposes you to a minimum fine of 1,400 MAD, vehicle impoundment and unlimited personal financial liability in the event of an accident.
Key Figure
According to ACAPS (the Insurance and Social Welfare Supervisory Authority), Morocco's car insurance market generated more than 14 billion MAD in premiums, representing 37% of the total insurance market.
Types of Coverage
1. Third-Party Liability (minimum legal cover)
This is the minimum legal cover. It compensates only for damage caused to third parties (people and property) by your vehicle. Your own vehicle is not covered. Recommended for older vehicles whose value does not justify a higher premium.
2. Extended Third Party (third party + additional cover)
The most popular intermediate plan in Morocco. In addition to third-party liability, it typically includes: fire, theft, windscreen breakage, natural disasters and sometimes collision damage when the other party is identified. Good value for vehicles aged 3 to 8 years.
3. Comprehensive Insurance (tous risques)
The most complete cover: beyond extended third party, it covers all damage to your own vehicle, even if you are at fault. Essential for new or recent vehicles (under 5 years old) and often required by banks for car loans.
Average Annual Premiums by Vehicle Class (2026)
Premiums vary by the vehicle's fiscal horsepower, chosen cover and city of registration. Here are the annual premium ranges observed:
| Fiscal Horsepower | Third Party | Extended Third Party | Comprehensive |
|---|---|---|---|
| 1–4 CV (city cars) | 700–1,100 MAD | 1,400–2,200 MAD | 2,800–4,500 MAD |
| 5–7 CV (saloons) | 1,100–1,600 MAD | 2,200–3,500 MAD | 4,500–8,000 MAD |
| 8–10 CV (SUVs, premium) | 1,600–2,200 MAD | 3,500–5,500 MAD | 8,000–15,000 MAD |
| 11 CV and above (luxury) | 2,200–3,500 MAD | 5,500–9,000 MAD | 15,000–40,000 MAD |
* Casablanca and Rabat premiums are typically 10–15% higher than in provincial cities.
Factors That Affect Your Premium
Your car insurance premium is calculated based on many parameters:
- ✓ Fiscal horsepower: the more powerful the vehicle, the higher the premium
- ✓ Licence seniority: new drivers (under 3 years) pay a surcharge of 25% to 100%
- ✓ Usage: private, professional or goods transport use all affect the premium
- ✓ Vehicle value: for comprehensive cover, the new or market value determines compensation amounts
- ✓ City of registration: high-traffic conurbations apply higher coefficients
- ✓ Bonus-malus: your claims history (see the section below)
The Bonus-Malus System
The bonus-malus system adjusts your premium based on your claims history. In Morocco, it is governed by the Insurance Code:
| Situation | Coefficient | Impact on Premium |
|---|---|---|
| New driver (starting point) | 1.00 | Base premium |
| 1 claim-free year | 0.95 | −5% |
| 3 claim-free years | 0.85 | −15% |
| 5 claim-free years (maximum bonus) | 0.50 | −50% (cap) |
| 1 at-fault claim | 1.25 | +25% |
| 2 at-fault claims | 1.50 | +50% |
Top 8 Insurers Compared
Morocco's car insurance market is dominated by around ten companies. Here are the 8 main players and their key characteristics:
| Insurer | Market Share | Network | Online | Strength |
|---|---|---|---|---|
| Wafa Assurance | ~18% | 400+ branches | Yes | Market leader, customer service |
| RMA Assurance | ~15% | 350+ branches | Yes | Competitive pricing |
| SAHAM Assurance | ~14% | 300+ branches | Partial | Extended guarantees |
| Axa Assurance Maroc | ~12% | 250+ branches | Yes | International brand |
| Allianz Maroc | ~10% | 200+ branches | Yes | Premium assistance |
| Atlanta Assurance | ~9% | 180+ branches | Partial | SMEs and fleets |
| Marocaine Vie | ~8% | 150+ branches | No | Groups, companies |
| MAMDA/MCM | ~7% | Rural network | No | Farmers, rural areas |
How to Reduce Your Premium
- ✓ Compare at every renewal: differences can reach 30% for equivalent coverage.
- ✓ Choose a higher excess on comprehensive cover to reduce your annual premium.
- ✓ Bundle your policies with the same insurer (car + home + life): multi-policy discounts can reach 10–15%.
- ✓ Install an approved anti-theft device: some insurers offer a discount for certified security systems.
- ✓ Match cover to vehicle age: beyond 8–10 years, extended third party is often sufficient.
Getting Insured Online
Online car insurance is becoming increasingly widespread in Morocco. Several insurers now allow full online sign-up with an instant certificate emailed to you. The typical steps are:
- ✓ Compare offers via a comparison tool (registration number, fiscal horsepower, desired cover)
- ✓ Enter driver and vehicle details
- ✓ Pay online (bank card, bank transfer or in-branch)
- ✓ Receive your insurance certificate instantly by email or SMS
Wafir Tip
Our car insurance comparison tool lets you get quotes from multiple insurers in 2 minutes. Simply enter your vehicle's fiscal horsepower and your city to see the best available offers. Also use our bonus-malus simulator to calculate the impact of your claims history on your premium.
Frequently Asked Questions
Can I switch car insurer mid-year in Morocco?
Mid-year cancellation is possible in certain situations (sale of vehicle, relocation, change in circumstances, unjustified premium increase). At annual renewal, you can cancel freely with 1 month's notice. Cancellation outside this period is more complex and requires a valid reason.
What does third-party insurance cover if I am hit by an uninsured driver?
If you are hit by an uninsured driver, the Road Accident Victims' Guarantee Fund (FGVAC) can step in to compensate victims. Your own insurer will cover third-party damage caused if you are at fault, but not damage to your own vehicle if you only have third-party cover.
How do I file a car insurance claim in Morocco?
You have 5 working days to report a claim to your insurer (48 hours for theft). The declaration can be made in writing at the branch, by registered post or via your insurer's mobile app. Always keep a signed copy of the joint accident report (constat amiable).
Does car insurance cover driving abroad?
Coverage abroad depends on your policy terms. Most Moroccan insurers provide minimum third-party liability cover in countries that are members of the "Green Card" system (Europe, Maghreb). For travel beyond those countries, a geographical extension or a specific international policy is required.
When is comprehensive cover worth it versus extended third party?
A useful rule of thumb: if the annual comprehensive premium exceeds 5% of your vehicle's value, extended third party is probably more economical. For a vehicle worth 80,000 MAD, if comprehensive costs more than 4,000 MAD/year, assess carefully whether the additional cover justifies the cost.
Can young drivers reduce their surcharge?
Yes — through accompanied driving (supervised driving from age 16), which builds up seniority before passing the driving test. Being a secondary driver on a parent's policy for 2 years also helps you start with a better coefficient. Compare "young driver" offers from different insurers — the differences can be significant.
Sources and References
- • ACAPS (Insurance and Social Welfare Supervisory Authority) — Annual Report 2025
- • Law No. 17-99 — Insurance Code (consolidated version)
- • FMSAR (Moroccan Federation of Insurance and Reinsurance Companies) — Sector statistics 2025
- • Wafa Assurance, RMA, AXA Maroc, SAHAM, Allianz — Indicative rate schedules 2026
- • Ministry of Transport — National vehicle fleet data
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