MAPFRE vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

MAPFRE
73
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

MAPFRE VS State Farm
73
88
What is this?
User Ratings
OptionsMAPFRE State Farm
Rating/Reviews
20 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsMAPFRE State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsMAPFRE State Farm
Claim ServicingAbout averageAbout average
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostAbout average
Rental ExperienceBetter than mostAbout average
Repair ProcessBetter than mostAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionMAPFRE State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England811 pt
About average
838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionMAPFRE State Farm
Android
93 Reviews
12,082 Reviews
iOS
7 Reviews
288 Reviews
Financial Ratings
OptionsMAPFRE State Farm
A.M. BestAA++
FitchA---
Moody'sA3Aa1
Standard & Poor'sA+AA

Auto Insurance Quotes

For Married Drivers

CityMAPFRE State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityMAPFRE State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityMAPFRE State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityMAPFRE State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityMAPFRE State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityMAPFRE State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityMAPFRE State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityMAPFRE State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityMAPFRE State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityMAPFRE State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityMAPFRE State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityMAPFRE State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityMAPFRE State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeMAPFRE State Farm
Anti-Theft DeviceUp to 36%Up to 15%
Senior AdultUp to 25%Varies
Multiple PolicyUp to 20%Up to 17%
Student Away at SchoolUp to 15%Varies
Low MileageUp to 12%Up to 10%
Defensive DriverUp to 10%Up to 5%
Good StudentUp to 10%Up to 25%
Multiple VehicleUp to 8%Up to 20%
PrepayUp to 5%--
LoyaltyUp to 4%Varies
EV/HybridUp to 3%--
Advance shopperVaries--
Anti-lock BrakeVariesUp to 20%
E-billingVaries--
Early QuoteVaries--
Good DriverVariesUp to 25%
Home OwnerVariesVaries
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVariesUp to 40%
Welcome Back CreditVaries--
teenSMARTVariesUp to 15%
Accident Free--Up to 15%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Travelink--Varies

Payment Methods

Discount typeMAPFRE State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesMAPFRE State Farm
24/7 service--yes
Accident forgivenessyes--
Diminishing deductibleyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile app--yes
New drivers programyes--
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistance--yes

Optional Coverages

Optional CoveragesMAPFRE State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yes--
Driver's Program
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage yesyes
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
--yes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Sound System Coverage
yes--
Umbrella Policy
yes--
Vanishing Deductible
yes--

Online Quoting by State

  • MAPFRE
  • State Farm
  • Both

Uber and Lyft driver insurance

  • MAPFRE
  • State Farm
  • Both

Compare Insurance Products

ProductMAPFRE State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • MAPFRE Reviews
  • State Farm Reviews
2.8
5 Stars
30 %
4 Stars
5 %
3 Stars
15 %
2 Stars
15 %
1 Star
35 %

Most Positive Review

By Rommel
Very easy to deal with. Low one way insurance.

Most Critical Review

By Gail
I have Mapfire for home & cars but with different agents and they can not give me credit for both because I have different agents. Also my son was in a minor accident in 2015. A scratch that needed some paint, my son had no damage and in 2017 they accessed him over $500.00 and them more than doubled his insurance for 2018 as well as increasing mine. My sons car is in my name but he is the only driver.

All Reviews

Showing 1 - 10 out of 20 Reviews
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Read reviews that mention

Hailee
Debra
Christine
I have not been totally dissatisfied with Maphrey ins. I have not had any auto claims to file or major repairs. Just normal everyday pay insurance premiums. The only occasion I was very unhappy about was, at the onset of getting the insurance dealing with the agent. During any of our conversations did the agent ever mention that at renewal. The premium would be double the amount of my normal premiums. I had to sign up for automatic deductions (which I was unhappy about) but that being said, at renewal time. My account was debited more than I was aware of. Being unaware, out my account in jeopardy. My income is limited and a strict budget is extremely important. After 3/4 conversations, I still lost the point, as I needed auto insurance. My thot was a customer should be made aware of every transaction especially where finances are involved. Unfortunately, I have not found auto insurance that beats the premium amounts. Should I ever need to file anytime of claim, I hope this company will be a "standup " Company. I am always checking other companies and most are to know avail..
Gerardo
Ok
Andrew
I'm paying almost $400 a month and I chose all of the options to give me a lower price. My deductible is $1000. I only chose this because it was my first car and I didnt know better. In my entire driving record I've only recieved one ticket and it was almost 4 years ago. I have never been in an accident. $400 is ridiculous.
Alexander
Tiffany Lounici
I would not recommend this company to ANYONE! BUYER BEWARE! If you get into an accident and is not at fault, like I was they will not work for you. They tried to blame me for 50% of damage even though I was parked and was hit the guy drove off I got his plate number and also had a witness. I had picture of witness plates that I took in front of witness and took his name and number without any hesitation on his part. I gave this information to everyone I needed to after an accident. Maphre reported they spoke with the witness and that information was helpful and hey were able to gather similar information from him as well. Now today Jamie Health my claim adjuster acted very unprofessional started yelling at me when I asked him why I am being charged for 50% of the parts. The parts they are claiming I need to pay for were damaged a lot during this accident. This man became angry threatening to end this recorded call. I told him give me your manager. So he said ok put me on the phone with a Paul Coleman and who acted very professional and helpful at first and apologized for Jamie’s behaviors asking he look into this situation more for me. I then was told due to the accident being a hit and run and the man who owns the car denied the situation so for then that’s enough to go on. Paul told me that I caused most of the damage. I’d love to know how I did? I was parked mind you in a parking space in front of a restaurant and an insurance agency. This man hits me while I was still in my running vehicle parked and yet this is all my insurance will do for me. They will tell me I’m at fault! So now I have to fit a $315 bill to get my car back. After all my lost wages after this accident and when the accident happened I was working at the time for UberEATS and parked outside my restaurant for the food pickup. I had to cancel and was locked out of app at that point and unable to make money then had my car being fixed for weeks as they tried to get payment. This company doesn’t work for you they just want to take your money. I
Johanna
Too expensive. Not good service
Gerard
Pricing is not competitive on auto insurance -- we've never had a claim so not sure how service is. Homeowners we'll stick with Mapfre
LaTreece
They raised prices 2x in one 6 month billing session more the $60.
Showing 1 - 10 out of 20 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.