Auto Insurance Comparator
Compare car insurance from 6 Moroccan insurers: third-party from MAD 900 to 5,000/year, extended and comprehensive (about 1.8% of value). 6 free quotes.
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Compare car insurance offers from 8+ companies in Morocco
How does this comparator estimate your car insurance?
The comparator estimates annual premiums from 6 Moroccan insurers (Wafa Assurance, RMA, Sanlam, AXA Morocco, AtlantaSanad, Zurich) using three inputs: your vehicle's value (MAD 50,000 to 1,000,000), the driver's age and years holding a license. Three plans are compared: Civil Liability (third-party), the legal minimum required in Morocco under law 17-99 (Insurance Code), extended third-party (liability + theft + fire + glass breakage) and comprehensive.
Rates are calibrated on prices actually observed on the Moroccan market: comprehensive costs about 1.8% of the vehicle's value per year (a MAD 170,000 Dacia comes to roughly MAD 3,000/year for a standard profile), extended third-party about 1.1%, and civil liability combines a base of about MAD 1,500 plus a small share of the value, bounded between MAD 900 and 5,000. Your profile then adjusts the price: drivers under 25 pay a surcharge of about 30%, a license held under 2 years about 25%, and the gap between the cheapest and most expensive insurer reaches about 20%.
The result shows 6 indicative quotes sorted from cheapest to most expensive. The final price also depends on factors only the insurer applies: your bonus-malus coefficient (each year without an at-fault claim cuts the premium by 5%, down to −50%), tax horsepower, city, and the chosen deductible — accepting a higher deductible (MAD 1,000 to 5,000) reduces the premium by 20 to 30%.
Car insurance in Morocco: frequently asked questions
How much does car insurance cost in Morocco in 2026?
Mandatory civil liability runs between MAD 900 and 5,000/year depending on the vehicle's value and power. Extended third-party costs about 1.1% of the vehicle's value, and comprehensive about 1.8% — roughly MAD 3,000/year for a MAD 170,000 Dacia, with a market-average comprehensive premium around MAD 4,200/year according to the regulator ACAPS.
What is the difference between third-party, extended third-party and comprehensive?
Civil liability (third-party) only covers damage you cause to others — the legal minimum under law 17-99. Extended third-party adds theft, fire and glass breakage. Comprehensive additionally covers your own vehicle, even in an at-fault accident or with no identified third party — banks often require it for a car financed on credit.
Should you choose comprehensive or third-party for your car?
Comprehensive is recommended for a vehicle under 4 years old or worth more than MAD 120,000. Conversely, if the car is worth less than MAD 30,000, the extra cost of comprehensive is usually not recovered through potential compensation: third-party or extended third-party is enough.
Do young drivers pay more for car insurance in Morocco?
Yes. This comparator applies a surcharge of about 30% under age 25 and about 25% for a license held less than 2 years — both can stack. Conversely, the bonus-malus system rewards experience: each year without an at-fault claim cuts the premium by 5%, up to a maximum 50% discount.
Can you switch car insurers mid-year in Morocco?
Yes. Since law 17-99 was amended in 2021, you can cancel at any time after the first contract year, with no fees or justification, on 30 days' notice. Keep your claim-history statements for the last 5 years to carry your bonus over to the new insurer.
Assumptions and prices verified on August 19, 2026 — Wafir.ma
Wafir.ma is an independent comparison service — neither an ACAPS-licensed insurance broker nor a credit institution licensed by Bank Al-Maghrib. Displayed rates are indicative only.