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Jerry Data & Research
Mapfre Car Insurance Review(Nov 2024)
Mapfre Car Insurance Review
(Nov 2024)
In a study of real insurance policyholders’ experiences, the Jerry research team ranked Mapfre 24th overall out of 50 compared to companies of a similar size.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Comprehensive Mapfre Car Insurance Review
- So, is Mapfre a good insurance company?
- Mapfre car insurance reviews
- Mapfre pros and cons
- Is Mapfre the right insurance company for you?
- Is Mapfre car insurance expensive?
- Compare real Mapfre car insurance quotes
- Will Mapfre raise your rates?
- Does Mapfre resolve claims fast?
- Does Mapfre have good customer service?
- Mapfre car insurance discounts
- Mapfre coverage options
- Mapfre’s additional tools and services
- Compare Mapfre quotes by driver profile
- FAQs
- Read all Mapfre Car Insurance Reviews
- Methodology
- Meet Our Experts
Load full table of contents
Comprehensive Mapfre Car Insurance Review
Jerry
experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more. In the many first-hand reviews analyzed by
Jerry
’s research team, Mapfre Insurance Company underperformed in almost every category.Here’s a breakdown of how our verified Mapfre Insurance Company policyholders ranked the company:
4.1
50 Reviews
5 Stars
60%
4 Stars
12%
3 Stars
12%
2 Stars
12%
1 Star
4%
So, is Mapfre a good insurance company?
If you’re looking for fast quotes and a simple claims process, yes.
According to our analysis of customer reviews for the Mapfre Insurance Company, 68% were overwhelmingly positive, while 26% were negative, with almost no neutral comments.
For comparison, the average among the rest of the car insurance companies we surveyed was 64% positive reviews to 18.54% negative reviews. The results suggest that you’ll either love or hate the Mapfre company.
The good: Mapfre impressed customers with its options and fast, free quotes.
- Quick quotes
- Customers liked the claim process
On the other hand: The customers we surveyed rated Mapfre below average in every category, particularly cost.
The Mapfre Insurance Company (formerly the Commerce Insurance Company) is the 20th-largest private auto insurer in the country, with 2,700 employees and six claims centers. See how Mapfre’s ratings compared to the national average of all companies surveyed below:
| Criteria | Mapfre's Rating | Industry Average |
|---|---|---|
Overall | 3.5 | 4.1 |
Cost / Price | 3 | 3.8 |
Claim Experience | 3.5 | 3.5 |
Customer Service | 3.5 | 4 |
Renewal Experience | 3.5 | 4 |
We made sure to compare Mapfre only to companies of a similar size and to get opinions from the most trusted third-party reviewers available. Here’s what the Better Business Bureau (BBB), the National Association of Insurance Commissioners (NAIC), and AM Best had to say about it:
Critera | Mapfre | Score Out Of |
|---|---|---|
BBB Rating | A+ | A+ |
NAIC Rating | 1.02 | 6 |
Clearsurance | 3.8 | 5 |
A.M. Best Rating | A | A++ |
IOS App Store Rating | 4.7 | 5 |
Google Play Store Rating | 4.2 | 5 |
Please note* that a greater NAIC score indicates increased risk.
Mapfre car insurance reviews
If you’d prefer to know what real customers thought of Mapfre, take a look below:
Mapfre pros and cons
Based on our analysis of our national insurance customer satisfaction survey and Mapfre’s public third-party rankings, we’d say Mapfre Insurance Company needs to improve its claims and renewals. Here’s what you can count on if you purchase auto insurance coverage from the company:
Pros4.9 out of 5.0 stars on Trustpilot
A+ financial strength rating from AM Best
A+ rating from the BBB
Customers loved the Mapfre insurance agents
New customers get onboarded quickly
ConsConfusing contact info and website
Customers felt their claims were neglected
Is Mapfre the right insurance company for you?
We recommend the Mapfre Insurance Company to:
- Drivers in Massachusetts
- Drivers looking to insure a diverse set of properties
- Drivers who don’t have good credit scores
Keep in mind: Mapfre probably isn’t the best company for customers who need to switch coverage options or deal with customer service a lot.
Mapfre Insurance Company operates in 14 states, with its biggest customer base residing in
Massachusetts
. It has a decent selection of insurance products and discounts. Customer service lines and availability vary depending on your location.The company’s list of products includes:
- Auto insurance
- Boat insurance
- Business insurance
- Home insurance
- Motorcycle insurance
- Renters insurance
- RV insurance
- Umbrella insurance
Click on the buttons below to see how we rate Mapfre’s insurance products.
Is Mapfre car insurance expensive?
Customers with bad credit scores found good rates at Mapfre.
Two thirds of the Mapfre reviews that mentioned cost were positive, while one third were negative. Based on what we read, Mapfre’s rates are average, but a good number of reviewers with poor credit scores mentioned their premiums were more than reasonable.
Compared to other insurance providers of a similar size, Mapfre’s costs ranked 23rd out of 50. Customers gave them 2.9 points out of 5.0—which is far below the average of 3.81. Smaller insurance companies sometimes have a harder time offering competitive prices to their customers.
Like every other auto insurance company, Mapfre Insurance Company uses a complicated formula to
calculate car insurance rates
based on factors like:- Age and demographic
- Car insurance history
- Driving record
- Policy coverage type
- ZIP code
State law allows every provider to use a unique formula for insurance premiums, but looking at the data, we can see some general cost trends grouped by state. Here’s how much your premiums could vary from one side of the country to the other:
Mapfre cost reviews
Check out what real Jerry users rated Mapfre based on cost below:
Compare real Mapfre car insurance quotes
The
Jerry
app takes all the data we’ve gathered and makes it work for you, for free! All you have to do is answer a few policy questions to get matched with the five to seven cheapest personalized car insurance quotes
in your area. Browse rates from Mapfre Insurance Company and over 55 other companies without making a single phone call. Here’s a sample of the insurance deals we found at Mapfre Insurance Company for our customers:
| Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|
$230 | Sophie, 62 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
$71 | Harriett, 41 | Jeep Wrangler X | • 50,000/100,000 Liability • Comp / Collision |
$166 | Jim, 54 | Toyota Tacoma Access Cab | • 100,000/300,000 Liability • Comp / Collision |
$166 | Joe, 42 Laguna Beach, CA | BMW X5 xDrive35i | • 50,000/100,000 Liability • Comp / Collision |
$147 | Arthur, 46 | Ford F-150 Super Cab | • State Minimum Liability • Comp / Collision |
Last Updated Nov 25, 2024Will Mapfre raise your rates?
Yes. As a rule, you’ll pay a little more at Mapfre Insurance Company (and every other company) each time
your car insurance renews
. Mapfre Insurance Company may increase your rates if:
- The inflation rate rises
- You add a new driver to your policy
- You add a new vehicle to your policy
- You change your address
- You’re involved in a car accident
- You receive a traffic ticket
Our survey results say that drivers looking to renew with Mapfre were disappointed, rating their experience 1.8 out of 5.0. Mapfre’s disappointing cost and renewal scores suggest that customers initially like the quotes they receive, but don’t like how they increase at renewal.
Does Mapfre resolve claims fast?
Mapfre’s Car EZ program offers direct billing and fast turnaround times with preferred auto repair shops, but customers reported delays and miscommunications.
After you
file a car insurance claim
, your provider hands the case to an adjuster who decides whether to approve or deny it. Mapfre simplifies the process by offering drive-in appraisals, electronic photo submissions, and Car EZ. The Car EZ program guarantees direct billing and a 24-hour response rate from preferred shops who’ll also coordinate a rental car for you.Unfortunately, it didn’t help the Mapfre customers who gave the company 1.5 points out of 5.0 for claims efficiency and overall satisfaction. Mapfre’s confusing website—which lists different phone numbers for every state, policy number, and claims type—could be to blame.
The average claims satisfaction index for every company we surveyed is 3.54. Mapfre came in 11th place, suggesting many insurance companies of a similar size are struggling to keep up with the volume of claims received.
Mapfre claims reviews
Check out what real Jerry users rated Mapfre based on their claims handling experience below:
Does Mapfre have good customer service?
Policyholders reported Mapfre Insurance Company’s customer service suffered from confusion and communication problems.
In terms of overall ratings, survey respondents rated Mapfre Insurance Company’s customer service department a 2.9/5. Compared to the national average, Mapfre is one struggling one whole point behind.
However, the customers who rated the company highly were on great terms with their local insurance agents. They knew their names and let the agents handle their claims for them.
Mapfre customer service reviews
Check out what real Jerry users rated Mapfre based on their customer service below:
Mapfre car insurance discounts
Mapfre Insurance Company’s car insurance discounts most of the basics plus a disappearing deductible, teen driver program, and Usage-Based Insurance rates (UBI).
You can turn a good deal into a great one with the right
car insurance discount
, which often doesn’t require any more effort than a single phone call. You could find savings based on your age, annual mileage, driving record, and vehicle safety rating—or even your marital status!A little over 1 in 10 of Mapfre Insurance Company’s policyholders mentioned discounts in their reviews, which were generally positive The discounts reported include:
- Bundle discounts:Since Mapfre Insurance Company also offers renters and homeowners insurance, you could save money by picking up two or three products.
- Disappearing deductible: For every year you don’t make a claim, Mapfre will add a $50 credit to your account, to be used on future deductibles.
- Good student discount:Mapfre Insurance Company offers customers between the ages of 16 and 24 a chance to save 4%-20% as long as they maintain good grades in school.
- MotionSmart discount: Download the MotionSmart app and you’ll get perks for practicing safe driving habits—up to 10% off your insurance rates!
- Multi-car discount: When you insure multiple cars with the same company, you'll save money.
- Paid-in-full discount: If you can afford to pay your premiums all in one lump sum, do so—it’s cheaper that way.
- Paperless billing discount: Switch to electronic billing to shave a little money off your premiums.
- Safe driver discount:Drivers without any accidents or claims in the past three years can find a great rate with Mapfre Insurance Company.
- TeenSMART program: Mapfre incentivizes driver education by offering savings for young drivers under the age of 21 who complete an 8-10 hour online course.
Like your rates, car insurance discounts can change over time. To get the most up-to-date information (and to see whether you qualify to save), visit the Mapfre Insurance Company website or contact a representative.
Mapfre coverage options
The best auto insurance policy is one tailored to suit your needs and your
state’s insurance requirements
. Here are the most common types of car insurance
, add-ons, and extra coverage options that you can find with Mapfre Insurance Company:- Collision coverage:Collision insurance pays to repair your car after an impact with another vehicle or object, whether it’s your fault or not.
- Comprehensive coverage:Fire, weather, vandalism, or theft won’t phase you if you have comprehensive protection. Combine it with collision for afull coverage insurance policy.
- Gap insurance:If your car gets wrecked but the payout doesn’t cover your lease or loan, gap insurance will make up the difference.
- Liability insurance: Covering the cost of any damages you cause behind the wheel, liability insurance is required in most states. There are usually separate minimum coverage limits required forBodily Injury Liability (BIL)andProperty Damage Liability (PDL).
- Medical payments (MedPay):As the name suggests, MedPay covers you and your passengers’ medical treatments after an accident.
- Non-owner insurance:If you don’t own a car, a non-owner policy acts as supplemental liability coverage whenever you drive a borrowed or rental car.
- Personal Injury Protection (PIP):A no-fault insurance policy covering you and your passengers’ hospital bills, lost wages, and related medical costs after a car accident.
- Rental reimbursement:You can rent a car or take a taxi and get reimbursed if yvehicle car is in the shop following an insurance claim.
- Rideshare coverage:Ordinary liability coverage doesn’t extend to using your car to drive for services like Uber or Lyft, but Mapfre Insurance Company has a product to fix that. It’s only in Massachusetts.
- Roadside assistance:Mapfre Insurance Company offers roadside assistance only in California.
- SR-22 insurance:SR-22 insurance isn’t insurance, but a certificate a provider agrees to file with the DMV on a high-risk customer’s behalf.
Mapfre’s additional tools and services
The Mapfre Insurance Company only offers customers a few ways to manage their experience.
To get in touch, try:
- GO MAPFRE mobile app: Mapfre Insurance Company offers acar insurance appthat allows customers to make payments and access digitalproof of insuranceon the go.
- Mail: Depending on your policy number, you can make use of Mapfre’s offices in California, Massachusetts, or Arizona.
- Mapfre’s website: Mapfreinsurance.com is the one-stop shop for policyholders to manage payments, policies, claims, and coverage.
- Phone: Mapfre lists the contact information of three call centers on its website.
- Social media: You can find Mapfre on Facebook, Instagram, Linkedin, Twitter, and YouTube.
Again, tools, services, and savings vary by location (and over time). Call your local Mapfre Insurance Company representative or visit the website to get the latest details from customer service.
Compare Mapfre quotes by driver profile
To show you just how real Mapfre quotes change based on driver profile and history, we created a comprehensive table outlining different driver ages, infractions, and more:
Mapfre quotes for teens and seniors
Car insurance for teens
is typically high at Mapfre Insurance Company thanks to their inexperience.
Car insurance for seniors
at Mapfre Insurance Company benefits from their driving experience and high credit scores.Bernard (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$98
per month
Derek (65 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Roseville, CA$88
per month
Mapfre quotes for drivers with violations
Mapfre isn’t a great provider when it comes to
car insurance for high-risk drivers
. Motorists with spotty driving records—including DUI violations, at-fault car accidents, and other traffic offenses—might want to look elsewhere.Jerry customers with speeding tickets found the following deals with Mapfre Insurance Company:
| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
Speeding Violation-Minor | $196 | Nicholas, 40 Zip: 21532 | Jeep Compass Trailhawk | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Aiden (37 years old)
$141
per month
Lucile (39 years old)
$218
per month
An at-fault accident is sure to raise your Mapfre Insurance Company insurance premiums unless you have
accident forgiveness
.| Accident Type | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | $317 | Clayton, 28 Zip: 92234 | Chevrolet Colorado | • State Minimum Liability • Comp / Collision |
At Fault With Injury | $103 | Lucas, 25 Zip: 92336 | Ford Fusion Titanium/platinum HEV | • State Minimum Liability • Comp / Collision |
At Fault With Injury | $156 | Ora, 32 Zip: 91739 | Mercedes-Benz GLK 350 4matic | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | $92 | Florence, 48 Zip: 92037 | Toyota Camry | • State Minimum Liability |
At Fault With Injury | $218 | Ola, 39 Zip: 90036 | Ford Fusion Titanium/platinum Phev | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024If speeding tickets, DUIs, or at-fault accidents don’t apply to you, check the table below to see how Mapfre Insurance Company handles other traffic violations.
| Violation | Premium (monthly) | Customer | Car |
|---|---|---|---|
Illegal Turn | $187 | Virginia, 28 Santa Clarita, CA | Toyota Camry SE |
Driving on Sus. License | $266 | Leila, 33 Rialto, CA | Chevrolet Silverado K1500 LT |
Failure to Obey Signal | $151 | Leila, 31 | Ford F-150 SVT Lightning |
Failure to Stop | $317 | Myrtie, 28 | Chevrolet Colorado |
$115 | Marie, 31 Fairfield, CA | Ford Mustang GT |
Last Updated Nov 26, 2024FAQs
What is the best insurance in the US?
Usually, the best insurance company is the one you find after comparing multiple quotes. Download an
insurance comparison app
to see how much your premiums can vary with different providers and why comparison shopping is essential.Who owns Mapfre Insurance?
The Mapfre Insurance company is owned by Mapfre SA Internacional, a global enterprise with Spanish roots.
What does MAPFRE mean in English?
MAPFRE stands for Mutualidad de la Agrupación de Propietarios de Fincas Rústicas de España, which translates roughly to “Mutual Association of Owners of Rural Properties in Spain”. In the present, the company exclusively refers to itself as “Mapfre” in lowercase.
Does Mapfre cover Rhode Island?
Read all Mapfre Car Insurance Reviews
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.