Car insurance has been mandatory in Morocco since 1969 (Royal Decree of 20 October 1969). Yet prices can vary threefold depending on the insurer, coverage level and your profile. In 2025, the Moroccan motor insurance sector collects more than 12 billion MAD in premiums, according to ACAPS. This guide gives you 7 concrete, data-backed tips to reduce your premium while maintaining optimal coverage.
Average Cost of Car Insurance in Morocco
In 2025, the average car insurance premium in Morocco ranges from 1,800 MAD/year for third-party-only coverage to 5,000–7,000 MAD/year for comprehensive cover, depending on the vehicle. For a new mid-range car (such as a Dacia Duster or Renault Clio), expect an average of 3,500 MAD/year for extended third-party cover.
| Vehicle Type | Third Party | Extended Third Party | Comprehensive |
|---|---|---|---|
| City car (4–6 HP) | 1,500 – 2,200 MAD | 2,300 – 3,200 MAD | 3,500 – 5,000 MAD |
| Saloon (7–10 HP) | 2,200 – 3,000 MAD | 3,200 – 4,500 MAD | 5,000 – 7,500 MAD |
| SUV/4x4 (11+ HP) | 3,000 – 4,500 MAD | 4,500 – 6,500 MAD | 7,000 – 12,000 MAD |
| Light commercial | 2,500 – 3,500 MAD | 3,800 – 5,000 MAD | 5,500 – 8,000 MAD |
What Influences the Price of Your Insurance
Moroccan insurers use several criteria to calculate your premium. Understanding these factors allows you to optimise them:
Driver-related Factors
- - Age: drivers under 25 pay 20–30% more
- - Licence seniority: less than 2 years = surcharge
- - Claims history: no-claims discount coefficient
- - Usage: commuting vs. professional use
Vehicle-related Factors
- - Fiscal horsepower: more HP = higher premium
- - Vehicle age: new car = comprehensive cover justified
- - Market value: basis for damage calculations
- - Parking area: Casablanca costs more than Ifrane
Good to know
Geographic zone can cause your premium to vary by 15 to 25%. Major cities such as Casablanca, Rabat and Tangier are classified as high-risk zones due to traffic density and claims rates.
The Moroccan No-Claims Discount System
The Reduction-Increase Coefficient (CRM) system is regulated by the Moroccan Insurance Code. Each claim-free year, your coefficient is multiplied by 0.90 (i.e. –10%). After one at-fault claim, it is multiplied by 1.20 (+20%).
| Situation | Coefficient | Impact on Premium |
|---|---|---|
| New driver | 1.00 | Reference premium |
| 1 year claim-free | 0.90 | -10% |
| 5 years claim-free | 0.59 | -41% |
| Maximum bonus (7+ years) | 0.50 | -50% |
| 1 at-fault claim | x 1.20 | +20% |
| Maximum penalty | 2.50 | +150% |
Concrete example: a référence premium of 3,000 MAD with a maximum bonus coefficient of 0.50 comes to only 1,500 MAD/year. With a penalty of 1.20 after an accident, it rises to 3,600 MAD/year.
Important
Only claims involving your civil liability affect the no-claims coefficient. Windscreen claims and theft do not count. Remember to check your claims record before switching insurers.
1. Compare Offers Every Year
This is the most effective tip. Premium differences between insurers can reach 30 to 40% for equivalent cover. Every year, companies adjust their pricing and launch promotional offers to attract new customers.
Use our free car insurance comparison tool to get personalised quotes in 2 minutes. Compare at least 3 to 4 insurers before committing. Start your comparison 1 month before renewal to give yourself time to negotiate.
2. Adapt Your Coverage Level
The three main coverage levels in Morocco offer very different levels of protection:
| Level | Cover Included | Recommended For |
|---|---|---|
| Third party only | Mandatory civil liability only | Vehicles over 10 years old, low value |
| Extended third party | Civil liability + theft + fire + windscreen | 5–10-year-old vehicles |
| Comprehensive | Civil liability + theft + fire + windscreen + all accident damage | New or under 5-year-old vehicles |
Simple rule: when your vehicle's value drops below 80,000 MAD, the comprehensive damage cover often costs more than it would pay out in a total loss. Switch to extended third party and save 1,000 to 2,000 MAD/year.
3. Adjust Your Excess
The excess is the amount you pay out of pocket when making a claim. By accepting a higher excess, you significantly reduce your annual premium. Moving from a 1,000 MAD excess to 3,000 MAD can reduce your premium by 12 to 20%. This strategy is ideal for experienced drivers with a clean claims record.
4. Bundle Your Policies
Taking out your car insurance and home insurance with the same insurer gives you significant negotiating power. Most Moroccan companies offer multi-policy discounts of 5 to 15%. If you have several vehicles, group them: Wafa Assurance and RMA offer tiered pricing from the second vehicle onwards.
5. Invest in Security
Certain equipment can reduce your premium because it lowers the risk for the insurer:
- ✓GPS tracker: 5 to 10% discount with AXA, Wafa Assurance and Sanlam
- ✓Certified anti-theft alarm: some insurers require this device for theft cover
- ✓Enclosed parking or garage: parking in a secure location reduces theft risk
- ✓Dashcam: useful for proving liability and speeding up compensation
6. Pay Annually
Instalment payments (bi-annual, quarterly or monthly) incur instalment charges of 3 to 8% depending on the insurer. On a 4,000 MAD premium, that represents an avoidable 120 to 320 MAD surcharge. Some insurers even offer a 2 to 3% discount for paying in a single annual instalment.
7. Common Mistakes to Avoid
The Traps That Cost You Money
- Under-insurance: declaring a lower value than the real one may seem economical, but in the event of a total loss, the compensation will be proportionally reduced (proportional rule).
- Failing to declare changes: change of address, primary driver or vehicle. Any undeclared change can render the policy void.
- Not reading exclusions: some policies exclude natural disasters, theft without forced entry, or damage while parked.
- Renewing by default: your insurer is counting on your inertia. By not comparing, you pay on average 15 to 25% too much.
- Neglecting roadside assistance: a breakdown on the motorway without cover can cost 500 to 1,500 MAD in towing charges.
2026 Insurer Comparison
Here is an indicative comparison of annual premiums for a petrol-engined 6 HP vehicle, driver aged 30, licensed for 8 years, no claims, Casablanca zone:
| Insurer | Third Party | Extended Third Party | Comprehensive | Assistance |
|---|---|---|---|---|
| Wafa Assurance | 1,700 MAD | 2,800 MAD | 4,200 MAD | Included |
| AXA Maroc | 1,900 MAD | 3,100 MAD | 4,600 MAD | Included |
| RMA | 1,800 MAD | 2,900 MAD | 4,400 MAD | Included |
| Sanlam Maroc | 1,650 MAD | 2,700 MAD | 4,100 MAD | Optional |
| Atlanta | 1,600 MAD | 2,600 MAD | 3,900 MAD | Optional |
| Zurich Maroc | 1,750 MAD | 2,850 MAD | 4,300 MAD | Included |
* Indicative 2025 rates for a standard profile. Actual rates vary depending on your claims history and vehicle. Compare personalised offers on Wafir.ma.
Wafir.ma Tip
Want to compare quickly? Visit our car insurance comparison tool, browse our car insurance page, or explore the professionals directory to find a broker near you.
Frequently Asked Questions
What is the minimum price for car insurance in Morocco?
Minimum coverage (civil liability / third party only) costs between 1,200 and 1,800 MAD/year depending on your vehicle's horsepower and geographic zone.
How does the no-claims discount work in Morocco?
Each claim-free year, your coefficient is multiplied by 0.90 (–10%). After one at-fault claim, it is multiplied by 1.20 (+20%). The minimum coefficient is 0.50 (–50%) and the maximum is 2.50 (+150%).
Can I change insurers during the year?
Yes, you can cancel your policy at the annual renewal date with one month's notice. Some situations allow early cancellation: sale of the vehicle, change in personal circumstances, or unjustified premium increase.
Is comprehensive cover worth it for an older vehicle?
Generally not. For a vehicle more than 7–8 years old whose value is below 80,000 MAD, the additional cost of comprehensive cover often exceeds what would be paid out in a total loss. Opt for extended third party instead.
What are the penalties for driving without insurance in Morocco?
Driving without insurance is an offence punishable by a fine of 400 to 4,000 MAD, impoundment of the vehicle, and imprisonment of 1 to 6 months for repeat offences.
Sources and References
- 1. ACAPS — Authority for the Supervision of Insurance and Social Welfare
- 2. Bank Al-Maghrib — Financial sector statistics
- 3. FMSAR — Moroccan Federation of Insurance and Reinsurance Companies
- 4. Moroccan Insurance Code — Royal Decree No. 1-02-238 enacting Law No. 17-99
Compare offers for free
Use our simulators and comparators to find the best rate in Morocco. 100% free, no commitment.