MAPFRE Auto Insurance Review: Ratings and Quotes (2024)

MAPFRE is an insurance company that offers various coverage options, including auto insurance. The company has high ratings on Trustpilot and offers attractive benefits like the CAR EZ Program and ePICS service, which can streamline the claims and repair process in the event of an accident.

The downside is super-regional insurer only offers coverage in 13 states and Puerto Rico.

MAPFRE car insurance costs are generally competitive, with some other options being more affordable and others much more expensive. Here’s what you need to know about MAPFRE car insurance reviews, average costs, discounts, and more.

What is MAPFRE auto insurance?

MAPFRE is a global insurance company that provides auto insurance policies in 13 U.S. states and Puerto Rico. You can find a MAPFRE insurance agent in the following states:

The company started in Massachusetts in 1972 as the Commerce Group, Inc. (CGI), according to its website.^[1] MAPFRE is now part of the MAPFRE Group, a global insurance company that operates on five continents. Globally, MAPFRE employs more than 38,000 people and service approximately 34 million clients.

The Webster, Massachusetts-based company has a financial strength rating of A (Excellent) from AM Best. Additionally,  MAPFRE Insurance received 797 out of 1,000 points, ranking ninth in overall customer satisfaction in New England as part of the J.D. Power 2023 U.S. Auto Insurance Study.^[2]

MAPFRE Insurance offers auto insurance, property insurance, and other insurance products, such as business and umbrella coverage.

MAPFRE pros and cons

Average cost of MAPFRE auto insurance

The cost of car insurance will depend on the type of coverage you buy as well as the insurance company you work with. MAPFRE auto insurance has competitive rates that drivers can take advantage of to save on premiums.

The average cost of MAPFRE auto insurance is $91 per month for liability only and $184 per month for full-coverage car insurance. Both insurance coverage types are similar to the national averages of $104 per month for liability only and $211 for full-coverage auto insurance.

MAPFRE car insurance coverage

MAPFRE offers the standard state-minimum required car insurance, also called liability coverage. Additionally, the company offers collision and comprehensive coverage, which are typically included in a full-coverage policy.

Here are the MAPFRE car insurance coverage options:

• AutoMaster Package Endorsement: This endorsement includes a number of benefits, such as replacement coverage for your vehicle, phones, and laptops, as well as coverage for loss of earnings.

• Substitute transportation: This coverage pays for rental car costs while your vehicle is in the shop for repairs.

• Towing and labor: If your vehicle breaks down, this coverage type can help with towing and labor up to a predetermined limit.

• Accident forgiveness: If you add this to your MAPFRE car insurance policy, your premiums won’t increase after one at-fault accident in a specific period.

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MAPFRE auto insurance rates by driving history

Insurance companies consider many factors when setting rates. A major one is your driving history. Drivers with a spotless record qualify for lower rates compared to drivers with an incident.^[3]

Incidents also differ in severity. The more severe, the more it’ll affect your car insurance rates. Below, you can see how MAPFRE’s average car insurance rates change based on driving history.

MAPFRE car insurance cost by age

Another factor that has an effect on car insurance premiums is age.^[3] Teens and young drivers often pay more than other age groups due to inexperience and a tendency to engage in risky driving behaviors.

Rates decrease as drivers age but start to increase again around age 70. Below are MAPFRE car insurance rates by age.

How to get a MAPFRE car insurance quote from Insurify

If you want to review car insurance quotes from MAPFRE and other insurance companies, you can use Insurify. The site allows you to quickly compare your options to find the best fit for your needs.

Here’s how to get a MAPFRE car insurance quote from Insurify:

1. Go to the Insurify homepage. Using your browser, go to Insurify.com to get started.

2. Select car. In the top left, you’ll see the option to select “Car,” “Home,” or “Life.” Choose “Car” to get a MAPFRE auto insurance quote.

3. Enter ZIP code. Input your current ZIP code in the box and press the “View my quotes” button.

4. Answer questions. You’ll then provide some information about your vehicle, drivers, current insurance status, and more. Go through and answer the questions accurately.

5. Get quotes. After submitting all your information — which takes about five minutes or less — you can get quotes from MAPFRE car insurance. Additionally, you’ll see other insurance companies so you can compare MAPFRE with other auto insurers.

MAPFRE car insurance discounts

You can lower premium costs if you qualify for certain MAPFRE discounts. Availability may vary by state, but the insurance company generally provides the following discounts:

• Bundling: If you get more than one insurance policy through MAPFRE, such as home and auto, you may qualify for a bundling discount.

• Paid in full: If you pay for your insurance policy in full instead of in monthly payments, you can qualify for this discount.

• Good student: If you meet MAPFRE’s eligibility requirements of keeping a “B” average in high school or college, you may qualify for this discount.

• Student away from home: If you’re off to college more than 100 miles away and keeping your car at home, you may qualify for this discount.

• Annual mileage: Driving fewer miles can lead to savings with this discount. If your annual mileage has declined, you can update it through your MAPFRE account to see if you qualify for additional savings.

• Smart driver: If you complete one of MAPFRE’s advanced driver training courses, you may qualify for this discount. Programs include teenSMART, In Control, Stevens, and Central MA DSDP.

• Multi-car: If you insure at least two or more passenger vehicles with MAPFRE auto insurance, you may qualify for this discount.

MAPFRE insurance bundling options

A top savings strategy to lower insurance costs is to bundle your insurance. That means having more than one insurance policy with an insurance company and “bundling” the policies together. Since you’re getting multiple policies under the same company, insurance companies generally reward you with a bundling discount that can lead to more savings.

MAPFRE Insurance offers additional coverage options aside from car insurance. These include:

• Property insurance: MAPFRE offers homeowners insurance, renters insurance, and condo insurance, so you can protect your property and belongings. The company also offers coverage for antique homes and a PremierLiving option for high-value homes.

• Business insurance: Business owners can get business insurance from MAPFRE to help protect vehicles, property, and other liability.

• Umbrella insurance: You can increase your liability limits for auto and home insurance with a personal umbrella policy through MAPFRE. This helps provide additional coverage beyond the liability limits of standard auto and home policies.

• Motorcycle insurance: If you have a motorcycle, you can get coverage through MAPFRE.

• Yacht insurance: Consumers in Connecticut, New Hampshire, Vermont, Massachusetts, Rhode Island, and Maine are eligible to get yacht, watercraft, or boat insurance.

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MAPFRE insurance reviews and ratings

When looking at MAPFRE insurance reviews and ratings, you’ll see a different story based on what site you visit. For example, on Trustpilot, the company has a 4.9 out of 5 rating with thousands of customer reviews. When looking at the Better Business Bureau reviews, the company has 1.15 stars out of 5.

Many of the reviews on Trustpilot are from current, satisfied customers. On the other hand, on BBB many of the reviews come from other drivers who were involved in an incident with a MAPFRE customer.

MAPFRE customer reviews

When looking at MAPFRE insurance reviews on Trustpilot, one of the top things that stands out is the many reviewers mentioning stellar customer service.

As noted above, many of the MAPFRE Insurance reviews on Trustpilot are positive, mentioning great customer service, responsiveness, and affordable rates. Reviews on the BBB show an alternative perspective and tell a different story.

One MAPFRE customer review complained about how the company handled claims with an accident and a subsequent canceling of the insurance.

MAPFRE ratings

Reviewing MAPFRE ratings from credible third parties can provide more information about the status of the company. For example, the company has an AM Best financial strength rating of A (Excellent).

The National Association of Insurance Commissioners (NAIC) has a Complaint Index, which illustrates where a company stands with complaints compared to others.

• AM Best: A

• S&P: A- 

• NAIC Complaint Index: 5.53 (much higher than expected)

MAPFRE vs. other insurance companies

There’s no shortage of car insurance companies, as the market is highly saturated. The best car insurance company for you depends on the coverage you need and your budget. What could be the cheapest for you may not be the cheapest for your neighbor based on numerous individual rating factors and the company's underwriting criteria.

Here’s how MAPFRE compares to other top auto insurers.

MAPFRE vs. Nationwide

Nationwide is a full-lines insurance company that offers coverage in nearly all states and has some of the lowest monthly liability and full-coverage insurance rates at $65 and $123 respectively. Compared to MAPFRE, the price difference is fairly significant, and Nationwide covers much more of the U.S., making it easier for consumers to access.

Both MAPFRE and Nationwide offer similar coverage options, as well as accident forgiveness and discounts.

If you don’t drive that often, Nationwide may be a better option, as the company offers usage-based insurance options. Through its SmartRide and SmartMiles telematics programs, you can have cheaper premiums based on how safely and how much you drive.

MAPFRE offers MotionSmart to eligible drivers, which uses telematics to offer discounts based on safe driving but doesn’t seem to offer reduced pricing for less mileage via a usage-based option.

MAPFRE vs. Travelers

Travelers offers a wide range of insurance products to consumers in most states, including pet, travel, and flood insurance. So if you need one of those coverage types, you can bundle and save.

Travelers offers some unique add-ons, such as new-car replacement coverage and rideshare coverage in Colorado and Illinois. Additionally, the company offers some attractive discounts that many other insurers don’t, such as a homeowners discount and a discount if you have a hybrid or electric vehicle.

Travelers insurance can be a good option for rideshare drivers in Illinois or Colorado and for drivers with a hybrid or electric vehicle.

MAPFRE vs. Liberty Mutual

Liberty Mutual is another Massachusetts-based full-lines insurer that offers multiple car insurance coverage options. Aside from the common ones like collision, comprehensive, and liability, Liberty Mutual also offers some less common coverage types. These include original parts replacement coverage, lifetime repair guarantee, and new-car replacement insurance. The company also offers competitive coverage and discounts for teachers.

Teachers and drivers looking for specific, unique coverage options may find Liberty Mutual is a better option for them.

How to file an auto insurance claim with MAPFRE

If you’re involved in an accident or have some incident that your insurance policy covers, you’ll need to file an auto insurance claim.

An auto insurance claim reports the incident to the insurance company and requests coverage for the incident, which varies based on your policy. You’ll typically need to pay your deductible before accessing these benefits.

If MAPFRE is your insurance company, here’s how to file a claim:

1. Collect information. If another party is involved, you’ll want to get their driver’s license, registration, and insurance information.

2. Gather the details. You’ll want to know the date, time, and location of the incident and have the details of what happened. Take photos and videos if possible.

3. Submit your claim with MAPFRE. To file an auto insurance claim with MAPFRE, you can call 1 (800) 221-1605, file through the Go MAPFRE mobile app, or submit your claim online.

4. Get an appraisal. After submitting your claim, a MAPFRE insurance representative will reach out and offer options to get an appraisal and repairs. The company offers the CAR EZ Program, which streamlines the appraisal and repair process. If you qualify, you may not need an appraisal if you submit photos using ePICS. The other option is to have someone come to you for an appraisal.

5. Repair the car. The next step is to repair your vehicle, under the CAR EZ program or by choosing your own registered repair shop.

6. Receive payment. You’ll likely need to pay a deductible to receive your insurance benefits. Once you do, MAPFRE will provide funds to cover the repairs. MAPFRE may send the payment directly to the repair shop.

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