MAPFRE Car Insurance Review & Ratings (2022)

Customers looking for MAPFRE car insurance will find that the company’s rates are higher than competitors. However, discounts can help customers obtain more affordable MAPFRE car insurance. The company has strong financial ratings but has received several complaints. Learning more about MAPFRE Insurance will help you decide if the company is right for you.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 211 Main Street
City: Webster
State: Massachusetts
ZIP Code: 01570
Phone Number: 800-222-2114
Year Founded: 1972
AM Best Rating: A

The Rundown

  • MAPFRE provides various auto insurance coverages
  • MAPFRE offers discounts to lower rates
  • MAPFRE has been rated an A by A.M. Best

MAPFRE provides car insurance to customers in several states. The company offers common coverages, and discounts can help lower your rates. Despite receiving some customer complaints, the company has been rated an A+ by the Better Business Bureau.

Knowing more about MAPFRE Insurance will help you determine if it’s the right auto insurance company for you.

Before jumping into this MAPFRE Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

What are the rates from MAPFRE Insurance?

Cost is a primary concern for most customers looking for car insurance. Looking at the average prices for different ages will help you discover if you can find affordable MAPFRE car insurance rates.

The following chart shows the average annual full-coverage rates from MAPFRE Insurance based on age.

MAPFRE Insurance Average Annual Rates By Age

AgeAverage Annual MAPFRE Car Insurance Rates
25$1,895
35$1,599
45$1,554
55$2,544
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As you can see, rates are higher for younger and older drivers than those in their 30s and 40s. This is because studies show that younger and older drivers are more likely to get into accidents.

If you’re looking into MAPFRE car insurance quotes, you might also wonder how driving infractions could impact your rates. The following chart shows the average annual MAPFRE car insurance rates for a 25-year-old driver with driving violations on their record.

MAPFRE Insurance Rates By Driving Infraction

Driving InfractionAverage Annual MAPFRE Car Insurance Rates
Clean Record$1,718
Improper passing$2,158
Careless driving$2,172
Speeding under 15 miles per hour$1,980
Failure to obey a traffic sign$2,160
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As you can see, driving infractions will result in increased rates. Speeding will increase your rates the least of these infractions, while careless driving will increase your rates the most.

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What coverages are available from MAPFRE Insurance?

The MAPFRE car insurance company provides the common coverages you’ll find from the best insurance companies. Companies sell these coverages individually, so customers can choose which types they want.

The following table shows the coverages offered by MAPFRE Insurance and how each coverage protects the insured.

MAPFRE Insurance Car Insurance Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
Medical paymentsCovers medical costs caused by an accident regardless of who is at fault.
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In addition to these common coverages, MAPFRE offers coverages that customers can add to a traditional policy. The add-ons offered by MAPFRE Insurance include:

  • Disappearing deductible: Earn credits for safe driving that reduce your deductible.
  • Accident forgiveness: Rates won’t increase if you get into an accident.
  • Auto glass repair program: MAPFRE will arrange for a local shop to repair or replace your windshield, windows, or light covers.
  • DriveAdvisor: MAPFRE will use a mobile app to analyze your driving habits and provide feedback and insight to improve your driving.
  • TeenSMART: This is a safe-driver program that provides computer-based training and in-car exercises to reduce the risk of accidents.

These coverages cost less than the traditional coverages but require an additional fee.

What discounts are available from MAPFRE Insurance?

The best way to save on car insurance is to compare quotes from various companies and bundle coverage. Like many top insurance companies, MAPFRE offers multiple types of insurance.

In addition to auto insurance, MAPFRE offers the following types of insurance:

  • Homeowners insurance
  • Business insurance
  • Umbrella insurance
  • Motorcycle insurance
  • Watercraft insurance

MAPFRE provides a discount to customers who purchase multiple insurance types with the company. In addition to helping you save money, bundling is more convenient, as you can manage your insurance policies on one account.

Besides the bundling discount, customers who buy MAPFRE car insurance can receive other deals to lower their rates. The following table shows discounts offered by MAPFRE and how customers can qualify.

MAPFRE Insurance Auto Discounts

Auto DiscountHow to Qualify
AAA memberBecome an AAA member.
Annual mileageKeep your mileage below a specific threshold.
Clean in threeKeep a good driving record in which you have three or fewer incidents within the last five years.
Good studentHigh school or college students with at least a 3.0 grade point average.
Green discountProvide information about your electric, hybrid, or fuel-efficient vehicle.
Multi-carInsure more than one car on a single auto insurance policy.
Paid in fullPay the entire policy before your first bill is due.
Student away from homeCollege-aged children that attend college over 100 miles away and leave their car at home.
TeenSMARTTake a training course.
Welcome back Switch back to a MAPFRE policy.
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Combining as many discounts as possible will help you get the best price. When inquiring about coverage, ask about all possible deals to get the lowest rates.

How is MAPFRE Insurance rated?

Credit rating agencies review and rate insurance companies based on financial strength. Knowing these ratings will help you determine the likelihood that you’ll receive a payout when you file a claim.

MAPFRE Insurance has been rated an A by A.M. Best and an A- by S&P and Fitch. While the A.M. Best rating is near the top of the scale, the S&P and Fitch ratings are considered stable but slightly lower.

The A.M. Best rating suggests that MAPFRE will provide a payout in nearly all situations. However, S&P and Fitch ratings indicate that the company might have trouble providing a payout in difficult economic times.

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Does MAPFRE Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list company complaints. Customers have made complaints to both organizations about MAPFRE Insurance.

MAPFRE Insurance became accredited by the BBB in 2016 and is rated an A+ by the organization. At the time of this review, the BBB has received 49 complaints about MAPFRE Insurance over the past three years.

According to the NAIC, MAPFRE has a complaint index ratio of 9.28. This ratio indicates that the company has significantly more complaints than competitors of a similar size.

Does MAPFRE Insurance have a website?

MAPFRE has a website that allows customers to file claims and make a MAPFRE Insurance payment. The company provides a MAPFRE Insurance login to access policy information.

Additionally, MAPFRE provides a mobile app that allows customers to complete the same tasks on any mobile device. The app includes an accident checklist so that customers can provide all necessary documentation when filing a claim.

What is the MAPFRE Insurance company history?

In 1972, MAPFRE Insurance started in Webster, Massachusetts. Originally known as the Commerce Insurance Group, the company became the most prominent car and home insurance company in Massachusetts.

In 2008, the Spain-based international insurance provider MAPFRE bought the company. After the acquisition, the company’s name changed to MAPFRE USA.

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MAPFRE Insurance: The Bottom Line

Auto coverage is one of several types of insurance provided by MAPFRE. The company offers a variety of policies and discounts that can help you lower your rates. While the company has some customer complaints, A.M. Best has rated them highly.

Learning more about MAPFRE Insurance will help you determine if it’s the best company for your auto insurance needs.

Now that you know about MAPFRE Insurance, enter your ZIP code to find free auto insurance rates in your area.

Reviews
for MAPFRE Insurance

3.80 (108 reviews)
5
October 2, 2020

ld465

Responsive Company with Reasonable Prices

Overall MAPFRE was a pleasure to work with. They outlined coverage and costs clearly, with rapid responses to questions pertaining to claims and billing.
5
March 27, 2020

ElectoCarbon

Good but Could be Better

Honestly the rates were comparable to other companies. The agent I went through made everything easy to sign up for. The online site is lacking though in features. Online bill paying takes awhile to get to when you log on.
4
March 23, 2020

MJohnson

An ok experience

I haven't had many issues with MAPfre. So far it has been an ok experience. I had them in the past and did not like their services. It was all a sales pitch and they didn't come through on there part. But in the last year or so they have made things better and more affordable.
5
January 29, 2020

Drubeus1

Mapfri makes it easy

I love all the agents I work with, I totaled my car in April and it was amazing how caring and how easy it was to work everything out with them
1
January 26, 2020

Kayla1995

Horrible customer service

Literally the worst. I had issues from the start with this insurance. I was overcharged by 400 dollars. Never got an apology or anything, and it took them a month to fix this issue ONLY AFTER they demanded proof that they took my money. I paid my last bill after having enough and deciding to switch to another carrier and to my surprise I open a letter from them saying my outstanding balance has been sent to collections. My last bill was paid and ...
Literally the worst. I had issues from the start with this insurance. I was overcharged by 400 dollars. Never got an apology or anything, and it took them a month to fix this issue ONLY AFTER they demanded proof that they took my money. I paid my last bill after having enough and deciding to switch to another carrier and to my surprise I open a letter from them saying my outstanding balance has been sent to collections. My last bill was paid and on time. Took a while to get that resolved and the customer service was the worst Iv'e ever had.
5
August 9, 2019

Vacation2

Mapfre Insurance review

I have had my car insurance with Mapfre(formerly Commerce Insurance) for over 15 years. I have had 2 cars insured with them during this time. My insurance agent is wonderful. Instead of calling his office, I send him a fax of what I need to ask him about. That way, he can call back when he has s moment. I had to deal with filling out a claim a few years ago. Their customer service was great about helping.
5
July 30, 2019

Michellejay6

Through the years with Mapfre

We have been very pleased overall with Mapfre Insurance. We have been with Mapfre for over 20 years with the exception of one year when we switched bc we got a better deal with All state because of a young driver on our policy. But the very next year, we price matched with Mapfre and they had the better price.
1
July 22, 2019

VicSic

More expensive doesn’t always mean better quality

I have had mapfre insurance for 13 years and I have continuously had bad experience with customer service. If you are a DAY late on payment, they cancel your service and demand full payment for the rest of the year to keep your insurance. You pay premium prices for nothing. When you do get into an accident and submit a claim, they’ll take months to get back to you and you need to hound them to move forward with your claim. They tack on annual f...
I have had mapfre insurance for 13 years and I have continuously had bad experience with customer service. If you are a DAY late on payment, they cancel your service and demand full payment for the rest of the year to keep your insurance. You pay premium prices for nothing. When you do get into an accident and submit a claim, they’ll take months to get back to you and you need to hound them to move forward with your claim. They tack on annual fees that they can’t explain; so your insurance will go up yearly even if you have a perfect driving record. A representative told me that I could reduce my monthly payments and when I did, they told me they were cancelling my policy and would not listen to my concerns. [REDACTED NAME] in the MASSACHUSETTS division was disrespectful, raised her voice with me, was disgustingly condescending, and refused to help me or listen to any of my concerns. She had zero response when I told her she was giving me contradicting info than her other colleague. I will be switching insurance policy’s once this year is done. Please don’t waste your time or money
5
March 25, 2019

SeanG

Mapfre works

They were really good i will use them when i get my next car which should be very soon i would recommend them to anyone
5
November 20, 2018

mariacas

matfre

great people to deal with they answer all your questions and find the best deals for you there office hours are open late so you never have to worry about missing them
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