2020 MAPFRE Insurance Review
MAPFRE Review Summary: MAPFRE Insurance impresses with its variety of auto insurance policy options and discounts, but its budget-busting premiums are likely to drive potential customers away. MAPFRE ranks 37th out of 46 companies in WalletHub’s car insurance pricing study, and there’s little to justify the relatively high prices. For one thing, MAPFRE auto insurance is only available in 17 states, concentrated mostly in the Northeast and on the West Coast.
MAPFRE provides discounts for new drivers and former customers who switch their auto policies to the company, among other discounts. But that may not be enough, given MAPFRE’s lack of competitive rates, poorly rated claims service, and low customer satisfaction.
Read more about MAPFRE’s coverages, discounts, and prices in the sections below. You can also see how they compare against more popular auto insurers like GEICO and Allstate.
MAPFRE Insurance Reviews & Ratings
- WalletHub: 2.8 (15 user reviews)
- Better Business Bureau: A+ (accredited)
- J.D. Power: 2/5
- National Association of Insurance Commissioners (NAIC): MAPFRE auto insurance received significantly more customer complaints in 2018 than other similarly sized car insurance companies.
- A.M. Best Financial Strength Rating: A (Excellent)
MAPFRE Insurance has garnered negative customer reviews across multiple consumer forums online. Complaints generally target the auto insurer’s poor claims service and overall customer service. Some former customers also took issue with the company’s premium increases and policy cancellations after an accident.
Fun Fact: MAPFRE Insurance is the 19th largest private passenger auto insurer in the United States. MAPFRE stands for Mutualidad de la Agrupación de Propietarios de Fincas Rústicas de España (Mutuality Association of Owners of Rural Properties in Spain) – which is a leading insurance company in Spain. MAPFRE expanded its operations into the U.S. when it acquired the insurance company The Commercial Group in 2008.
MAPFRE Insurance Availability by State
MAPFRE Insurance is active in 17 states: Arizona, California, Connecticut, Florida, Idaho, Kentucky, Maine, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Vermont, Washington.
MAPFRE Insurance Coverage Options
MAPFRE insurance’s standard suite of coverage options include bodily injury liability, property damage liability, medical payments, collision, comprehensive, and uninsured motorists coverage. In addition to these basic coverages that help keep you and your vehicle protected on the road, MAPFRE offers several supplemental coverages to give you a greater peace of mind.
Supplemental Coverage Options and Benefits from MAPFRE Insurance:
- Disappearing Deductible: Reduces your collision deductible for each year that you are accident-free and violation-free – up to a total maximum of $300 in deductible savings.
- Accident Forgiveness: Helps you avoid a premium increase after your first at-fault accident.
- Substitute Transportation: Covers the cost of a rental car if your vehicle is stuck in the repair shop due to a covered accident.
- Towing & Labor: Pays for towing services if your car ever becomes inoperable on the road.
- Car EZ®: Provides a hassle-free auto repair process if your vehicle is damaged in an accident, by helping you find a rental car and schedule repairs. MAPFRE also guarantees the quality of your repairs for as long as you own your vehicle.
- Free Glass Repairs: Provides free auto glass repairs, but not replacements.
- ePICs: Expedites the damage appraisal process after an accident by allowing drivers to electronically submit photos of their vehicles to MAPFRE agents for review.
Coverage availability varies by state, and certain restrictions may apply.
Specialty Policies from MAPFRE Insurance:
In addition to selling traditional auto insurance, MAPFRE Insurance also offers policies for commercial vehicles, motorcycles, RVs, boats, and watercraft.
Sample MAPFRE Insurance Quotes
|Age||Clean Driving Record||Poor Driving Record|
|21||$556 / month||$665 / month|
|30||$292 / month||$402 / month|
|42||$254 / month||$363 / month|
Read how WalletHub collected these sample quotes in the Methodology section. Actual premiums will vary by state and by the level of coverage you decide to purchase.
MAPFRE Insurance Discounts
- Multi-Policy & Multi-Car: Discount when you insure more than one car or have more than one type of insurance policy with MAPFRE.
- Shop Smart: Discount for new customers who switch their auto insurance to MAPFRE. Former MAPFRE policyholders are not eligible.
- Welcome Back: Discount for former MAPFRE policyholders who switch back their auto insurance.
- Paid-in-Full: Discount for paying your entire auto insurance policy premium in full and in advance.
- Annual Mileage: Discount when you drive less than a certain number of miles per year – the threshold varies.
- Clean in Three: Discount when you go accident-free and violation-free for at least 3 years.
- Go Green: Discount when you choose to receive your policy documents electronically.
- TeenSmart: Discount when a teen driver on your policy enrolls in MAPFRE’s safe driving program.
- Good Student: Discount when a full-time student on your policy maintains a “B” or better average in school.
- Student Away from Home: Discount when a student on your auto policy attends school more than 100 miles away from home and does not have regular access to the vehicle(s) on your policy.
Eligibility criteria and the amount of these discounts vary by state, and not all discounts are available in all states.
MAPFRE Insurance vs. Popular Alternatives
|Average Annual Premium||$4,472||$3,546||$4,949|
|WalletHub Ranking (46 companies)||37th||21st||40th|
|Complaints Score (lower is best)||3.0||0.84||0.88|
To provide an overall rating for MAPFRE insurance, WalletHub reviewed policies offered by some of the most popular auto insurance providers in America. WalletHub’s car insurance reviews and ratings take into consideration a number of factors that are important to consumers when it comes to purchasing car insurance.
- Coverage options
- Coverage limits
- Claims process
- Customer service
- Customer reviews
- Watchdog ratings
To determine the level of customer satisfaction at MAPFRE auto insurance and other auto insurers, WalletHub calculates a complaints score for each company. This score is a ratio of the company’s share of customer complaints over its market size based on annual premiums for personal car insurance. Put simply, the complaints score helps us to see whether the insurer has a higher or fewer number of complaints when compared with other companies that are of similar size. The lower the complaints score, the better.
Assumptions for MAPFRE Auto Insurance Quotes:
Marital Status: Single
Vehicle: Honda Accord
|Coverage Options||Coverage Levels|
|Bodily Injury||$100,000/person $300,000/accident|
|Collision||$500 deductible (with waiver add-on included)|
|Uninsured/Underinsured Motorist (Bodily Injury)||$30,000/person $60,000/accident|
For price comparison, WalletHub analyzed sample quotes from popular insurers in at least 30 cities in California. From the state’s insurance database, we looked at driver profiles with different ages and driving histories. In our quotes above, a clean driving record is one with no accidents, and a poor record includes at least one accident or violation. WalletHub has chosen to use California because it’s the most populous U.S. state, and the state’s car insurance prices are near the middle of our price rankings for cheap car insurance.
To learn more about our car insurance research findings, check out WalletHub’s 2019 Cheap Car Insurance Study. And if you would like to share your own experience with MAPFRE, you can write a MAPFRE insurance review.
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