MAPFRE insurance review 2025
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At a glance
Auto
3.2
Cost & ratings
2.7
Coverage
3.5
Support
4.2
Home
4.1
Cost & ratings
4.0
Coverage
4.3
Support
3.8
About Bankrate Score
Bankrate's take
MAPFRE could be a good choice for customers looking for personalized policy options and robust claims services. However, the company’s coverage range is limited and its digital tools are not as strong as many of its competitors.
- Disappearing deductible: Earn up to $300 off your deductible for safe driving
- ePICS: Digital appraisals speed up claims for auto and home damage
- Select home restoration: Quick home repair services post-claim, with emergency response in two hours
- Home systems protection: Coverage for mechanical and electrical system breakdowns, plus service line repairs
MAPFRE car insurance review
Drivers looking to personalize their car insurance policy may want to consider MAPFRE. The company offers both auto and home policies, which allows for bundling to earn savings. Coverage is available in 14 states, but online quoting is only available in eight states and Puerto Rico. Other customers can get a quote over the phone or in person by referencing its online agency locator tool.
MAPFRE car insurance policy offerings are fairly robust with a handful of add-on options, including accident forgiveness and disappearing deductibles. During our MAPFRE insurance review, the AutoMaster endorsement stood out as a notable option in the select states where it’s available. This endorsement combines several coverage types into one easy-to-add package. However, MAPFRE’s lack of nationwide availability and average rate data, along with its relatively short list of auto insurance discounts, contributed to its car insurance Bankrate Score of 3.1 out of 5.
Pros and cons of MAPFRE car insurance
If you’re in the process of gathering car insurance quotes, it can be helpful to know the perks and drawbacks of each company you’re considering. Comparing car insurance rates may be helpful, but there’s more to a company than price. Here are some pros and cons of MAPFRE car insurance to think about:
Pros
- Several potential discounts available
- AutoMaster endorsement makes purchasing extra coverage simple
- Two unique programs may make claims filing and repairs easier
Cons
- Limited state availability
- Online quoting only available in eight states and Puerto Rico
- Doesn’t offer gap insurance or ridesharing coverage
MAPFRE car insurance cost
Nationally, the average cost of car insurance is $2,685 per year for full coverage and $800 per year for minimum coverage. MAPFRE’s average rates aren’t available, though. Regardless, your rate will likely vary based on your unique driver profile, including the car you drive, your driving record and the coverage types and levels you choose, among other factors.
MAPFRE customer satisfaction
When considering an insurance provider, factors beyond rates, such as customer experience and service quality, are crucial. Third-party agencies like J.D. Power provide insight into customer satisfaction, while AM Best ratings reflect an insurer's financial strength. MAPFRE is currently unrated by AM Best (per MAPFRE’s request) but previously received a rating of A (Excellent). This suggests a strong financial foundation, potentially indicating reliability in fulfilling claims and contractual commitments.
MAPFRE auto claims satisfaction
J.D. Power is a data analytics company that conducts several insurance-focused studies each year. The company is a trusted source of unbiased information about the service levels of insurance companies. MAPFRE wasn’t specifically rated for claims satisfaction, but it was rated in the New England region in the 2024 U.S. Auto Insurance Study, which analyzes several facets of customer satisfaction, including claims experience. MAPFRE received a score of 622/1,000, which is below the regional average of 637. This might indicate that some policyholders have issues with MAPFRE’s service.
MAPFRE auto insurance customer complaints
You can also review complaint index scores from the National Association of Insurance Commissioners (NAIC), which tracks the number of complaints it receives about a given company and assigns a company a complaint index. A score of 1.00 is the baseline.
It’s a bit tough to analyze MAPFRE’s index, as this insurance group consists of several different underwriting companies (e.g., American Commerce Insurance Company, Citation Insurance Company, The Commerce Insurance Company and Commerce West Insurance Company). Of the current underwriting companies, some have NAIC indexes below average (which indicates fewer-than-baseline complaints) and some have NAIC indexes above average (which indicates higher-than-baseline complaints) for the private passenger auto product. Depending on your state, it may be helpful to talk to current policyholders about their experiences. You could also research the individual NAIC index scores by searching the NAIC website.
MAPFRE car insurance discounts
If you’re looking for the cheapest car insurance, one of the best ways to save on your premium may be to take advantage of discounts. MAPFRE offers several discounts that might help you lower your premium:
- Paid-in-full: If you can afford to pay your premium in full rather than in installments, you could save money.
- Good student: If you insure a young driver who is a full-time student (or if you are one yourself), you could qualify for this discount if your GPA meets certain criteria.
- Clean-in-three: This discount may be applied if a driver has been licensed for three years and there have been no at-fault accidents or traffic violations during the three years since the policy's effective date.
- Bundling: If you also buy a home, umbrella or yacht insurance policy from MAPFRE, you could earn a discount on your auto insurance.
- InControl Crash Prevention Training/teenSMART Training: Covered drivers who complete these programs to learn about safe driving habits could earn a discount on their premiums.
- Low annual mileage: Drivers who don’t drive often may be able to qualify for discounted auto policies.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
MAPFRE home insurance review
The best homeowners insurance companies offer a variety of options for homeowners to personalize their policies, and MAPFRE is no different. The company could be a good option if you are seeking a robust home insurance policy with numerous add-on options. Online quotes are available in nine states, although coverage may be available more broadly.
Depending on where you live, you may want to consider adding MAPFRE’s water backup insurance, which provides coverage for damage caused by water and sewer line backups. Choosing replacement cost for your personal property coverage may also be a smart financial move to get the full replacement value if your belongings are destroyed in a covered loss. MAPFRE offers increased limits coverage for items like jewelry, special personal property coverage to broaden the insurance perils for your belongings, credit card coverage and service line coverage. The carrier offers specific insurance programs for antique homes and high-value homes, as well.
Even considering MAPFRE’s lower-than-average premiums and robust coverage options, the company earned a Bankrate Score for home insurance of 3.2 out of 5. One factor that contributed to this score was MAPFRE’s lack of inclusion in J.D. Power studies. Additionally, the company’s most recent AM Best financial strength rating was A (Excellent) but the company recently requested to be withdrawn from consideration.
Pros and cons of MAPFRE homeowners insurance
MAPFRE home insurance has upsides and downsides, just like any product. As with auto insurance, comparing home insurance quotes and other features of several companies could help you find an ideal policy for your needs.
Pros
- Average premiums tend to be much lower than the national average
- Local agents available
- MAPFRE Select Home Restoration Program expedites claims handling
Cons
- Limited online quoting
- No discounts listed online
- Digital tools aren't as robust as some carriers
MAPFRE home insurance cost
In general, MAPFRE home insurance is an affordable option for fairly robust coverage. The 2024 national average cost of home insurance is $2,267 per year for $300K in dwelling coverage, while MAPFRE’s average rate for the same amount of coverage is $1,272 per year.
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|---|---|---|
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$150K dwelling
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MAPFRE average premium
$790
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National average premium
$1,370
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$300K dwelling
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MAPFRE average premium
$1,272
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National average premium
$2,267
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$350K dwelling
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MAPFRE average premium
$1,429
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National average premium
$2,534
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$450K dwelling
|
MAPFRE average premium
$1,837
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National average premium
$3,066
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$750K dwelling
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MAPFRE average premium
$3,042
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National average premium
$4,399
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Compare MAPFRE homeowners insurance rates
Homeowners insurance rates can vary widely between companies, influenced by factors such as location, home value, coverage options and the insurer's risk assessment. While some insurers may offer lower rates to attract a broader customer base, others might focus on providing more personalized services or specialized coverage, which could lead to higher premiums. MAPFRE's rates for homeowners insurance might be competitive in certain markets, but it's essential to compare them with other highly rated companies to see how they stack up.
Below is a chart comparing MAPFRE's homeowners insurance rates with 10 other reputable insurers, offering a clearer view of where MAPFRE stands in terms of pricing.
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|---|---|---|
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$1,272
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- $995 |
|
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$2,088
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- $179 |
|
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$2,206
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- $61 |
|
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$1,254
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- $1,013 |
|
|
$2,129
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- $138 |
|
|
$1,858
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- $409 |
|
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$3,121
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+ $854 |
|
|
$2,062
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- $205 |
|
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$2,535
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+ $268 |
|
|
$1,711
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- $556 |
MAPFRE customer satisfaction
When evaluating home insurance options, third-party ratings can provide valuable insights into an insurer's customer satisfaction and service quality. Agencies like J.D. Power assess various factors, including policy offerings, pricing, billing processes and claims handling, to give potential customers a clearer picture of what they might expect. Although MAPFRE isn't specifically rated in J.D. Power's 2024 U.S. Home Insurance Study or 2024 U.S. Property Claims Satisfaction Study, such ratings can still serve as a useful benchmark when comparing insurers. It's important to consider these alongside personal needs and experiences, as satisfaction can vary widely among policyholders.
MAPFRE home insurance customer complaints
All of MAPFRE’s underwriting companies have below-average NAIC claim indexes for home insurance. For example, MAPFRE’s American Commerce Insurance Company has a 2023 NAIC Complaint Index of 0.90 for its homeowner policies, below the 1.00 baseline. This score indicates that consumers tend to be relatively satisfied with MAPFRE’s service.
MAPFRE home insurance discounts
One of the ways to save on homeowners insurance is through discounts. MAPFRE does not list specific home insurance discounts on its website but does mention on its auto insurance page that a multi-policy discount is available if you bundle your auto and home insurance. MAPFRE may offer additional home insurance discounts; talking to a company representative or visiting a local agency can help you learn what savings you qualify for. And remember, if you’re looking for the cheapest home insurance, shopping around may also be a useful tactic.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with MAPFRE
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare MAPFRE with other insurers
Choosing the right insurance provider is a decision that can significantly impact your financial security and peace of mind. Comparing carriers is essential to finding the best fit for your specific needs, as each company offers its own benefits, coverage options and discounts. While some insurers, like MAPFRE, may excel in certain areas or offer specialized programs, others might provide broader coverage or more competitive rates in different regions. It's important to weigh these factors, alongside customer service and financial stability, to ensure you're making an informed choice that aligns with your personal and financial circumstances.
MAPFRE vs. Geico
Geico might appeal to those seeking affordable car insurance and strong digital tools, especially for preferred and high-risk drivers. While it offers nationwide coverage and various discounts, it's worth noting Geico partners with other companies for home insurance, potentially affecting those desiring integrated service for all their policies.
Learn more: Geico insurance review
MAPFRE vs. State Farm
State Farm may suit those who prefer personalized service from local agents and those who value bundling various policies with one company. It's potentially a fit for drivers seeking cost-effective full coverage options and a range of discounts, too. However, homeowners in search of highly tailored policies might find State Farm's online endorsement offerings less extensive.
Learn more: State Farm insurance review
MAPFRE vs. Auto-Owners
Auto-Owners might appeal to those seeking personalized insurance options and coverage through a network of local agents. Policies are only available in 26 states, though. Further, for policyholders who prefer digital policy management, Auto-Owners' online tools may not fully meet their expectations.
Learn more: Auto-Owners insurance review
Is MAPFRE a good insurance company?
Bankrate’s insurance editorial team includes licensed agents with firsthand experience selling and servicing insurance policies, and we know that choosing the right insurance carrier isn’t always easy. To help our readers find the best coverage to meet their needs, we conduct thorough, honest and unbiased reviews of some of the largest insurance companies by market share.
MAPFRE could be a good insurance company for many shoppers. It offers multiple types of insurance, a variety of coverage options, several auto insurance discounts and numerous perks. MAPFRE doesn’t advertise its home insurance discounts, though, and its lack of J.D. Power scores could make assessing customer and claims satisfaction difficult. Mixed scores reflecting complaints filed with the National Association of Insurance Commissioners for auto coverage might mean that its service isn’t the best, but talking with current policyholders could help.
What are real-life customers saying about MAPFRE?
To shed light on the MAPFRE customer experience, we've gathered opinions and anecdotes from real users on platforms such as Reddit and Yelp. While Reddit serves as a forum for sharing diverse experiences, Yelp often features detailed reviews that can highlight aspects of customer service, claims handling and overall satisfaction. These platforms, though not dedicated review sites, allow users to engage in discussions and share their personal experiences with MAPFRE insurance, providing a broad range of viewpoints.
Reddit reviews on MAPFRE present a mixed picture: some users express frustration with administrative issues, such as difficulties updating payment information, leading to unwanted fees. However, others have had positive experiences, noting efficient claims processing and satisfactory handling of accidents without affecting subsequent rates.
Yelp
Yelp reviews of MAPFRE also vary widely, with some customers expressing high satisfaction, particularly praising the professionalism and support of individual appraisers during the repair process. Conversely, other reviews highlight frustrations, such as unexpected policy cancellations linked to administrative criteria, despite initial promises of savings through bundling services, contributing to mixed perceptions of the company's practices.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
MAPFRE company details
There are several ways to contact MAPFRE:
- Contact: Details listed by state
- Claims: 1-855-627-3737 or file a claim online
- Website: mapfreinsurance.com
- Mailing address: 211 Main St., Webster, MA 01570
State availability
MAPFRE writes auto and home insurance policies in 14 states and Puerto Rico, though product availability varies by state. Serviceable states include AZ, CA, CT, FL, ID, MA, ME, NH, OH, OR, PA, RI, VT and WA.
MAPFRE tools and benefits
In addition to auto and home insurance, MAPFRE also offers the following types of coverage:
- Business: If you own a business, MAPFRE offers several types of insurance, including commercial auto and business coverage.
- Umbrella: Umbrella policies provide extra liability coverage if you have an auto or home claim that goes above that policy’s liability limit.
- Watercraft/boat/yacht: You may be able to insure your watercraft with MAPFRE and take advantage of the company’s extensive endorsements.
- Motorcycle: Motorcycle insurance is similar to car insurance but often requires a separate policy. MAPFRE may also be able to insure your motorcycle trailer.
- Recreational vehicle: ATVs, snowmobiles, campers and more all require specialized coverage. MAPFRE may have the options you need to cover your recreational vehicle.
- ePICS: If a covered vehicle incurs damage but is still driveable, you can submit photos of your damage online, along with your contact information and claim number, and receive a digital appraisal. A similar program is available for home insurance claims.
- CAR EZ: Drivers can schedule a prioritized repair with an auto body shop and coordinate a rental car pickup after a covered accident. MAPFRE offers guaranteed service coverage for the lifetime of the vehicle, and the service technicians will even wash the car before it is returned to the owner.
- Select Home Restoration Program: This program helps homeowners get expedited repairs with guaranteed coverage. Homeowners can get emergency home repairs within two hours and same-day contact for scheduling major structural repairs.
Frequently asked questions about MAPFRE
Methodology
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
