Car insurance Morocco 2026: Everything to know before subscribing

1. Legal obligation and available plans

Every motor vehicle registered in Morocco must compulsorily subscribe to at least third-party liability insurance, covering bodily and material damage caused to others. This obligation applies to all: cars, motorcycles, trucks, agricultural tractors. Driving without insurance exposes you to a MAD 1,000-2,000 fine and vehicle confiscation.

2. Rate calculation: 7 determining factors

• Fiscal power (CV): > 8 CV = +25% vs 6 CV
• Driver age: < 25 years = 50-100% surcharge
• License seniority: < 2 years = 30-50% surcharge
• Bonus-malus (BMV): 0.50 (best) to 3.50 (worst)
• Region: Casablanca/Rabat +15-20% vs other regions
• Use: pro/delivery +30% vs personal
• Garage: covered vs street (5-10% impact)

3. Bonus-malus (BMV): understanding the coefficient

The bonus-malus coefficient has been standardized since 2024 across all Moroccan insurers. It starts at 1.00 for a new driver, decreases by 5% per year without an at-fault claim (floor 0.50 reached in 13 years), and rises by 25% per at-fault claim (ceiling 3.50).

4. Car insurance comparator: save 20-40%

Systematically pitting 3 to 5 insurers against each other remains the most powerful lever to reduce premium. For the same profile, the gap between the lowest and highest premium can reach 40%. The Wafir.ma comparator queries 15 insurers with a 2-minute form.

5. Claim filing: 2026 procedure

In case of accident, the electronic e-Constat (official FMSAR app) replaces the paper form in 70% of claims. Fill it on smartphone with geolocated photos, electronic signature of the third party, and direct transmission to your insurer. Processing time: 15 days instead of 30.

6. MRE car insurance: 2026 specifics

MREs driving in Morocco with a foreign vehicle must take out 'border insurance' upon entering the territory, valid 1-12 months. 2026 rate: MAD 850/month for a sedan.