With close to 4.75 million vehicles on the road in Morocco (4,747,215 at end-2024 according to the HCP), car insurance is the largest non-life insurance line in the Kingdom. 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.
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Wafa, Sanlam, AXA, RMA, AtlantaSanad, MTA, MAMDA-MCMA, CAT: get free personalised quotes with our car insurance comparison tool.
Average Annual Premiums by Vehicle Class (2026)
Update: the mandatory third-party liability (RC) premium has risen by around 5% since 4 August 2026 (Law 70-24), applying to new policies and renewals. Read our analysis of the RC increase.
Premiums vary by the vehicle's fiscal horsepower, the chosen cover and the optional guarantees selected. Here are indicative annual premium ranges (Wafir estimates, to be confirmed by a quote):
| 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 |
* Indicative ranges. The mandatory third-party (RC) premium, calculated mainly on fiscal horsepower and vehicle use, is almost identical from one insurer to another (in 2023 the Competition Council found differences of only a few dirhams): optional guarantees, excesses and services are what make the difference in price.
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 fine of 1,200 to 6,000 MAD and up to six months' imprisonment (Insurance Code, Article 120 penalties; the fine is doubled for repeat offences), vehicle impoundment and unlimited personal financial liability in the event of an accident. Simply failing to present your insurance certificate carries a fine of 200 to 400 MAD.
Key Figure
According to ACAPS (the Insurance and Social Welfare Supervisory Authority), the motor line generated 16.2 billion MAD in premiums in 2025 (+6.6% year on year), roughly a quarter of a total insurance market worth 63 to 64 billion MAD, and close to half of non-life insurance (33.7 billion).
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.
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) are charged a surcharge that varies by insurer and cover
- ✓ Usage: private, professional or goods transport use all affect the premium
- ✓ Vehicle value: for comprehensive cover, the new or market value determines compensation amounts
- ✓ Driving area: some insurers take it into account for optional guarantees (theft, damage); the mandatory RC premium does not vary by city
- ✓ 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 based on a standard clause (reduction-increase coefficient) reintroduced by ministerial order in 1994 and applied identically by all insurers. Each claim-free year multiplies your coefficient by 0.90 (10% bonus). Each at-fault claim multiplies it by 1.20 (20% malus). The minimum coefficient is 0.50 (maximum bonus = −50%) and the maximum is 2.50 (maximum malus = +150%). The bonus-malus is attached to the driver, not the vehicle: it follows you if you switch insurer.
| Situation | Coefficient | Impact on Premium |
|---|---|---|
| New driver (starting point) | 1.00 | Base premium |
| 1 claim-free year | 0.90 | −10% |
| 3 claim-free years | 0.73 | −27% |
| 7 claim-free years (maximum bonus) | 0.50 | −50% (cap) |
| 1 at-fault claim | 1.20 | +20% |
| 2 at-fault claims (same year) | 1.44 | +44% (1.20 × 1.20) |
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. Since the RC premium is virtually identical everywhere, focus your comparison on optional guarantees, excesses, assistance and the quality of claims handling:
| Insurer | Group | Non-Life Market Share 2025* | Strength |
|---|---|---|---|
| Wafa Assurance | Al Mada / Attijariwafa bank | 17.2% | Market leader, bancassurance |
| Sanlam Maroc (ex-Saham Assurance) | Sanlam (South Africa) | 16.2% | Absorbed Allianz Maroc in July 2026, expanded network |
| AXA Assurance Maroc | AXA | 13.2% | International brand, assistance |
| RMA | O Capital Group (ex-FinanceCom) | 12.5% | Bank of Africa bancassurance |
| AtlantaSanad | Holmarcom | 12.3% | Fast growth, SMEs and fleets |
| MTA (Mutuelle Taamine Chaabi) | Banque Populaire group | n/a | Distribution through the Banque Populaire network |
| MAMDA-MCMA | Mutual insurers | n/a | Farmers, rural areas |
| CAT (Compagnie d'Assurances Transport) | Independent | n/a | Transport, professional fleets |
* Non-life insurance market shares 2025 (motor being the largest non-life line), ACAPS data reported by Le Matin (April 2026). Allianz Maroc was absorbed by Sanlam Maroc in July 2026, with retroactive accounting effect from 1 January 2026.
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 or unidentified driver, the Road Accident Guarantee Fund (Fonds de Garantie des Accidents de la Circulation — FGAC) can step in to compensate victims, but only for bodily injury (the claim must be filed within 3 years). 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?
Partially. Being declared as a secondary driver on a parent's policy for a few years lets you build up a claim-free history and approach your first policy with a better profile. Choosing a vehicle with low fiscal horsepower also reduces the premium. Finally, compare "young driver" offers from different insurers on optional guarantees — the differences can be significant.
Sources and References
- • ACAPS (Insurance and Social Welfare Supervisory Authority) — Market statistics 2025 (motor premiums 16.2 billion MAD)
- • Law No. 17-99 — Insurance Code (Article 120 penalties)
- • Competition Council — Opinion on motor insurance (2023)
- • Wafa Assurance, Sanlam Maroc, AXA Assurance Maroc, RMA, AtlantaSanad — General conditions and indicative rate schedules
- • HCP — Morocco in Figures 2025 (vehicle fleet)
- • Médias24 / Le Matin — Sanlam Maroc–Allianz Maroc merger (July 2026)
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