MAPFRE Insurance ranks second overall nationally, making it one of the best car insurance companies for most drivers. It offers good affordability and coverage options.
MAPFRE Car Insurance Review
Updated: September 22, 2025
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Key Takeaways
MAPFRE Insurance takes third place for full coverage affordability and seventh for minimum liability coverage, with average rates of $86 and $40 monthly, respectively.
MAPFRE Insurance ranks 16th nationwide for overall customer satisfaction, falling behind competitors due to mixed agent service and customer reviews feedback.
MAPFRE Insurance claims the ninth-best spot for coverage options, offering unique features like accident forgiveness and new car replacement coverage.
MAPFRE Insurance Car Insurance Ratings
| Overall Score | 4.61 | 2 |
| Customer Experience | 4.40 | 16 |
| Coverage | 3.58 | 9 |
| Affordability | 4.89 | 3 |
Who Is MAPFRE Insurance Car Insurance Best and Worst For?
MAPFRE Insurance works best for drivers with bad credit, low income, accidents or speeding tickets, offering rates well below average. It also offers affordable rates for adult drivers and those with newer cars.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.68 | 1 |
How Much Does MAPFRE Insurance Car Insurance Cost?
MAPFRE Insurance car insurance costs range from $36 to $1,385 monthly, depending on your profile and coverage choices.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $120 | $1,438 | -57% | 1 |
MAPFRE Insurance Car Insurance Rates by Driver Category
MAPFRE Insurance ranks among the cheapest car insurance companies for adult drivers, those with accidents, DUIs, speeding tickets, bad credit, low income and newer vehicles.
| Adult Drivers | $32 | $70 | -40% | 3 |
| Drivers With A DUI | $72 | $113 | -42% | 4 |
| Drivers With An Accident | $40 | $80 | -50% | 3 |
| Drivers With A Speeding Ticket | $40 | $80 | -42% | 2 |
| Drivers With Bad Credit | $45 | $98 | -58% | 1 |
| Drivers With Low Income | $35 | $76 | -49% | 1 |
| Drivers With Newer Cars | $56 | $121 | -22% | 3 |
| Drivers With Old Cars | $32 | $69 | -33% | 6 |
| Senior Drivers | $40 | $88 | -39% | 5 |
| Young Drivers | $122 | $303 | 11% | 22 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
MAPFRE Insurance Car Insurance Discounts
MAPFRE Insurance offers 10 car insurance discounts, with average savings of up to 30% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Up to 20% | Bundle auto with home, condo, or other MAPFRE policies | Available in all 14 states served |
Multi-Car | Variable | Insure 2+ passenger vehicles with MAPFRE | Available in all 14 states served |
Good Student | Up to 30% | Full-time student with "B" average or higher (combined with Student Away) | Available in all 14 states served |
Student Away from Home | Up to 30% | Student 100+ miles from home with no vehicle at school (combined with Good Student) | Available in all 14 states served |
Paid in Full | Up to 12% | Pay annual premium in full upon first installment due date | Available in all 14 states served |
Clean in Three | Variable | No accidents/violations in last 3 years, no coverage lapse in 12 months | Available in all 14 states served |
MotionSmart (Telematics) | Up to 20% | 2% initial enrollment, up to 20% at renewal for good driving record | Available in all 14 states served |
Low Mileage/Annual Mileage | Variable | Drive fewer miles annually than standard | Available in all 14 states served |
Driver Training | Variable | Complete teenSMART, In Control, or other approved courses | Available in all 14 states served |
AAA Member Pricing | Variable | Active AAA membership | Varies by state |
MAPFRE Insurance Car Insurance Customer Reviews and Reputation
MAPFRE Insurance ranked 16th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. It has a responsive agent service and user-friendly digital platforms, though claims processing generates complaints.
Buying Process Experience
The buying process receives positive feedback, with individual agents described as professional, helpful, and knowledgeable during the purchase process.
Compared to previous insurers, you can save, with some noting that MAPFRE "cost me much less than half of what I was paying" with comparable coverage. But online quoting is only available in eight states.
Policy Management
Policy management shows problems in billing and rate increases. Long-term customers complain about "exponential increase in rates despite no justification" even with clean driving records and no claims. Customers appreciate the mobile app functionality and the availability of customer service in both English and Spanish.
Claims Experience
Claims experiences vary from excellent to problematic. Positive experiences include quick processing.
There is sometimes difficulty finding approved repair shops, with customers forced to call several shops to find mechanical repair services, slow claims processing taking over three months and poor customer service with representatives hanging up on customers.
MAPFRE Insurance Car Insurance Industry Customer Satisfaction Ratings
MAPFRE Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are MAPFRE Insurance's scores from industry agencies.
AM Best Financial Strength | A* | A++ to D- | Excellent ability to meet financial obligations. *Currently unrated per MAPFRE's request |
AM Best Long-Term Credit Standing | a- | aaa to d | Excellent credit quality for subsidiary companies |
S&P Global Financial Strength | A- | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | Not Available | Aaa to C | Information not publicly available |
J.D. Power Auto Claims Satisfaction | 17th of 21 companies | 1,000-point scale | Below average performance in 2024 claims satisfaction study |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Not specifically rated in digital experience studies |
J.D. Power Auto Insurance Shopping Study | 622/1,000 | Out of 1,000 | Below regional average of 637 in New England (2024) |
J.D. Power Overall Customer Satisfaction | 797/1,000 | Out of 1,000 | 9th place in New England region customer satisfaction (2023) |
NAIC Auto Complaints | Mixed (0.62-9.99) | 1.00 is average | Varies significantly by subsidiary company |
MAPFRE Insurance Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate MAPFRE Insurance's competitive rates, bilingual services and strong financial stability as Massachusetts' largest auto insurer. MAPFRE has the international backing and specialized programs like MotionSmart usage-based insurance.
Complaints include slow claims processing, difficulty reaching customer service representatives and rate increases over time. Here's what real customers are saying about their experiences on forums:
Pricing and Value
It has competitive initial rates, but customers express concerns about steep increases and hidden fees over time:
"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."
"Do not go with this company. They are thieves and will hike your rates up even with no tickets or accidents. They will also charge you ridiculous fees just to cancel your policy."
Claims Processing
Most customers have positive experiences with claims:
“I was very happy with MAPFRE as they assisted me through the repair of my vehicle and rental of a temporary transportation car. The process was efficient and easy.”
Customer Service
Some customers praising individual representatives while others report poor communication and responsiveness:
"I've dealt with MAPFRE Insurance for over 30 years. Everyone I had dealings with were friendly while professional. My concerns and questions are answered without being transferred and put on hold."
"Some of the worst customer service ever. Each week we call for an update and customer services continually gets more rude with us, to the point where an employee finished the conversation with 'you are a pleasure to speak with' in a sarcastic tone and hung up."
Digital Experience
MAPFRE's Go MAPFRE app and online platform receive decent ratings for Massachusetts customers, though functionality varies by state:
"The Go MAPFRE app allows you to view your policy, make payments, submit claims and more. It's available on both Android and iOS devices for customers in Massachusetts."
Trust and Reputation
As part of a global Spanish insurance giant with strong AM Best ratings, MAPFRE maintains financial credibility but faces mixed customer sentiment:
"MAPFRE has an AM Best financial strength rating of A (Excellent). The company has a strong financial position and is able to meet its obligations to policyholders."
"MAPFRE has more than twice the average number of consumer complaints as expected for a company of its size, according to the National Association of Insurance Commissioners complaint index."
Coverage Options
People appreciate the variety of coverage options and bilingual services, but note the limited geographic availability and issues with policy renewals:
"MAPFRE offers an AutoMaster Package Endorsement to offer unique benefits to its customers in some states. The company's website is available in both English and Spanish."
"After paying for homeowners insurance for almost 10 years with no claims, our policy was not renewed due to a few cosmetic issues with the exterior of our home. I never received a notice and only knew because I stumbled upon it in my account documents online."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
MAPFRE Insurance Car Insurance Coverage Options
MAPFRE Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
AutoMaster Package Endorsement | Comprehensive coverage bundle | Includes new car replacement insurance, laptop and cell phone replacement, loss of earnings coverage; available in select states |
Elite Package Endorsement | Extra level of protection for Massachusetts drivers | Customizable Massachusetts-specific enhanced coverage package |
Disappearing Deductible | Credits toward collision deductible for claim-free years | $50 credit first year, up to $300 total after 5+ claim-free years; included at no cost with collision/limited collision coverage |
Accident Forgiveness | Protection against premium increases after first at-fault accident | First at-fault accident won't increase premium |
Loan/Lease Coverage (Gap Coverage) | Pays difference between vehicle value and loan/lease balance | Excellent for financed or leased newer vehicles |
CAR EZ Program | Expedited auto repair process | Works with preferred auto body shops for agreed repair costs; dedicated MAPFRE licensed appraiser |
ePICS | Electronic photo inspection and claims service | Submit photos/videos of damage via mobile app; potential elimination of in-person appraisal |
Substitute Transportation | Rental car coverage during repairs | Pays for rental car costs while vehicle is being repaired |
Towing and Labor Coverage | Emergency roadside assistance | Covers towing and labor costs up to specified limit each time vehicle is disabled |
MotionSmart | Usage-based insurance with smartphone app | Up to 2% discount on enrollment, up to 20% discount at renewal for safe driving |
Openbay+ | Vehicle maintenance and repair assistance | Search repair shops, compare estimates, schedule appointments online; save up to 25% on repair costs |
Other MAPFRE Insurance Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
MAPFRE Insurance (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, business insurance, umbrella insurance, watercraft/boat/yacht insurance, motorcycle insurance, recreational vehicle insurance (ATVs, snowmobiles, campers), antique home insurance, high-value home insurance (PremierLiving) |
Third-Party Partner | Century Automotive Service Corporation products (acquired 2021 - vehicle protection products), Blue Marble parametric insurance (investment partnership for climate insurance), Sapiens technology platform (for life insurance operations in some regions) |
MAPFRE Insurance Auto Insurance Review: Bottom Line
MAPFRE Insurance is a reliable and reasonably affordable insurance provider with an extensive selection of add-on coverage options. It takes the third overall spot for full coverage and ranks eighth for minimum coverage. Despite this, you should still compare quotes from other insurers.
MAPFRE Insurance Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about MAPFRE Insurance car insurance:
Does MAPFRE insurance have a good reputation?
Yes, MAPFRE Insurance is a legitimate car insurance company that secured our second place ranking in our comprehensive car insurance provider analysis. The insurer ranks well in affordability.
Where is MAPFRE the best car insurance company?
In New Hampshire, MAPFRE falls just outside the top five for car insurance.
How much does MAPFRE car insurance cost on average?
MAPFRE Insurance charges adults an average of $477 annually for state minimum coverage and $1,037 for full coverage. Annual premiums range from $437 to $5,634 for minimum and $949 to $10,074 for full coverage.
Is MAPFRE known for denying claims?
Policyholders report rejections for legitimate water damage, auto accidents, and property claims through questionable interpretations of policy language. Some customers describe lengthy delays and requests for excessive documentation.
Note: This represents limited information based primarily on forum reviews.
Is MAPFRE a good option for high-risk drivers?
MAPFRE Insurance offers excellent value for high-risk drivers, ranking fourth overall for drivers with a DUI, third for those with accidents and second for drivers with speeding tickets.
Does MAPFRE raise car insurance rates over time?
Yes, MAPFRE Insurance raises rates over time due to inflation driving up repair and medical expenses, more frequent claims from distracted driving and severe weather.
Is MAPFRE good for young drivers?
No MAPFRE Insurance isn't ideal for young drivers, ranking 22nd for overall affordability with high premiums.
How We Rated MAPFRE Insurance Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.