Mapfre Insurance Company Review (2025)

If you are looking at car insurance companies, Mapfre appears to have decent auto insurance options and discounts for customers, making it easier to get cheap auto insurance. Of course, there are some downsides as well — Mapfre doesn’t sell auto insurance in every U.S. state and has a poorly rated insurance app.

Continue reading our Mapfre auto insurance review to learn all about the pros and cons of Mapfre. We will go over everything from Mapfre’s customer satisfaction ratings to its claims process, so you don’t have to read multiple Mapfre car insurance reviews to decide if this provider is right for you.

Mapfre insurance reviews reveal that Mapfre has a decent array of coverage options and discounts for drivers. It also has good ratings from the BBB and A.M. Best. However, Mapfre only sells car insurance in 14 states, and there is no average rate data available. Customers will have to get quotes to see how much Mapfre costs and compare it to other companies’ averages.

If you find that Mapfre isn’t the company for you, we recommend shopping around for quotes using our free quote comparison tool below. You can compare rates from companies in your area to ensure you are getting the best deal.

What You Should Know About Mapfre Insurance

If you are looking at car insurance companies, Mapfre appears to have decent auto insurance options and discounts for customers, making it easier to get cheap auto insurance. Of course, there are some downsides as well — Mapfre doesn’t sell auto insurance in every U.S. state and has a poorly rated insurance app.

Continue reading our Mapfre auto insurance review to learn all about the pros and cons of Mapfre. We will go over everything from Mapfre’s customer satisfaction ratings to its claims process, so you don’t have to read multiple Mapfre car insurance reviews to decide if this provider is right for you.

Mapfre Contact Information

If you want to contact Mapfre, you can get quotes online or speak with a Mapfre representative online for help with rates and coverages. If you wish to speak to someone in person, you will have to find your state’s local branch number on Mapfre’s contact page on its website.

If you wish to speak to a Mapfre insurance representative, find the phone number listed for your state and give them a call. In some states, you will have to find an agent to speak to if you want to get an auto insurance quote, while in other states, you can get an online auto insurance quote.

Mapfre Insurance Coverage Options

All car insurance companies will offer the basic coverages you need to drive legally in your state, but some may not offer much beyond that. If you have car insurance needs that go beyond the basics, it’s important to check and see what a company offers before signing up for a policy. Mapfre offers the following auto insurance coverages:

• AutoMaster® package endorsement program. Helps cover the cost of any personal belongings damaged inside your car.
• Bodily injury liability insurance. Covers the cost of other parties’ medical bills if you cause an accident that injures others.
• Property damage liability insurance. Covers the cost of other parties’ property damage bills if you cause an accident that damages others’ property.
• Collision auto insurance. Covers the cost of your car’s repairs if you crash into another vehicle or an object like a tree.
• Comprehensive auto insurance. Covers the cost of your car’s repairs if you crash into an animal or your car is damaged by weather or vandalism.
• Medical payments (MedPay) insurance. Covers the cost of your and your passengers’ medical bills if you are injured in an accident, regardless of who caused the accident.
• Personal injury protection (PIP) insurance. Covers the cost of your and your passengers’ medical bills if you are injured in an accident, regardless of who caused the accident, as well as lost wages, rehabilitation, and more.
• Rental car reimbursement insurance. Covers part of the cost of a rental car if your vehicle is in the shop for an extended period of time after an accident.
• Towing and labor insurance. Covers part of the costs for towing and labor if your car breaks down.
• Uninsured motorist insurance. Covers your accident costs if the driver who hit you is uninsured and can’t pay for your repairs.

This may seem like a long list of auto insurance coverages, but Mapfre is missing a few coverages that drivers may want.

The main coverages that Mapfre is missing are as follows:

• Classic car insurance. Covers classic cars that are used as hobby cars with either basic liability insurance or a full coverage policy. Check out our list of the best classic car insurance companies if you need classic car insurance.
• Gap insurance. Covers the gap between what is left on your loan or lease and your car’s actual value if your car is totaled. If you need this coverage, refer to our list of auto insurance companies that offer gap insurance.
• Modified car insurance. Covers the cost of repairs to any expensive modifications you have on your car, such as a custom paint job.
• Rideshare insurance. Covers rideshare drivers when they drive customers around.

If you need one of these coverages, you will have to buy car insurance from a different provider.

If you don’t need or want one of the missing coverages, then Mapfre’s car insurance coverages should be adequate for your auto insurance needs.

Auto Insurance Programs at Mapfre

Despite not selling key auto policies, Mapfre does offer the following optional programs that drivers can add to their car insurance or use during a claims process:

• Auto glass repair program. Makes the process of repairing or replacing broken glass at Mapfre quicker if the damage to your car is only damage to the glass.
• Car EZ program. A program that expedites repairs after an accident and offers extras like a thorough car cleaning.
• ePICS program. A program that allows drivers to submit pictures of damages after an accident online for appraisal instead of having to wait for an appraiser to come to look at the vehicle.

These coverages are not required to drive legally, but they are additional bonuses that Mapfre customers can add to their policy.

Other Types of Insurance at Mapfre

Mapfre doesn’t just sell car insurance. It also offers the following types of insurance to customers:

• Boat insurance
• Business insurance
• Condo insurance
• Homeowners insurance
• Motorcycle insurance
• Property insurance
• Recreational vehicle insurance
• Renters insurance
• Umbrella insurance
• Watercraft insurance
• Yacht insurance

If you want to purchase more than just auto insurance from Mapfre to keep your insurance policies in one place, plenty of other insurance options are available. Just be aware that Mapfre uses subsidiaries to underwrite certain property insurance in some states, including Commerce Insurance Company and Citation Insurance Company.

Mapfre Insurance Rates Breakdown

Car insurance rates are often the most important deciding factor for the majority of drivers. When you get a quote from Mapfre for either full coverage auto insurance or minimum liability auto insurance, make sure to compare the rates you get to the state averages below.

Average Monthly State Auto Insurance Rates Where Mapfre Auto Insurance is Available

Of course, your rates could be higher or lower, depending on your demographics. For example, your age, driving record, and more will impact how much Mapfre charges you for car insurance coverage. At-fault accidents, DUIs, and tickets will all raise your rates, and rates will naturally be more expensive for younger, more inexperienced drivers.

How do Mapfre auto insurance quotes compare to other companies?

When getting quotes from Mapfre, make sure to compare them to the other companies’ averages below.

Auto Insurance Monthly Rates by Provider and Age & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 60 Female	Age: 60 Male
	$420	$450	$210	$230	$140	$160	$120	$130
	$400	$430	$200	$220	$130	$150	$110	$120
	$420	$450	$210	$230	$140	$155	$120	$130
	$400	$440	$205	$225	$135	$150	$115	$125
	$450	$480	$230	$250	$160	$170	$140	$150
	$430	$460	$220	$240	$150	$165	$130	$140
	$410	$440	$215	$235	$145	$160	$125	$135
	$390	$420	$200	$220	$130	$150	$110	$120
	$420	$450	$215	$235	$145	$160	$125	$135
	$380	$410	$190	$210	$125	$145	$105	$115

If Mapfre’s rates fall well above the averages you see here, you should consider going with another company that has cheaper rates. To find the best auto insurance rates, we also recommend getting quotes every year to ensure you still have the cheapest rate and getting quotes anytime there is a major change to your driving record or you move to a new location.

Mapfre Insurance Discounts Available

When it comes to securing the best value for your auto insurance, Mapfre Insurance Company stands out with an array of discounts tailored to meet the diverse needs of drivers. Whether you’re a safe driver, a loyal customer, or someone looking to bundle coverage, Mapfre has you covered.

In this overview, we’ll explore the enticing discounts offered by Mapfre, helping you navigate the path to affordable and comprehensive auto insurance coverage.

• Annual mileage discount. Discount if you drive less than the average driver.
• Bundling discount. Discount if you buy another type of insurance from Mapfre in addition to car insurance, such as home, umbrella, or watercraft insurance.
• Clean-in-three discount. Discount if you have a good driving record with three or fewer accidents/tickets within the last five years.
• Good student discount. Discount for students with a 3.0 GPA or higher or a B average or higher.
• Multi-car discount. Discount if you insure more than one car at Mapfre.
• Paid-in-full discount. Discount for customers who pay for their policy in full rather than month-by-month.
• Smart driver discount. Discount for drivers who complete Mapfre’s InControl crash prevention training or TeenSmart Training Programs (read our “teenSMART Driver Program Review” for more information).
• Student away-from-home discount. Discount for students away at school who don’t have a family car with them.

These are the main car insurance discounts that drivers can earn at Mapfre. However, availability will vary by state, so you will have to talk to a Mapfre agent to see what car insurance discounts your state offers.

Mapfre also lacks a discount for vehicles with safe driving features and an automatic payment discount, which are common discounts most auto insurance providers offer.

How Mapfre Insurance Ranks Among Providers

Mapfre Insurance Company, being a player in the insurance sector, competes with various companies offering similar coverage options. Here are some of the notable competitors that Mapfre might encounter:

• State Farm: State Farm is one of the largest insurance providers in the United States, offering a wide range of insurance products, including auto, home, and life insurance. Known for its extensive network of agents, State Farm competes in many of the same markets as Mapfre.
• Geico: Geico is well-known for its direct-to-consumer model and often competes aggressively on price. They focus heavily on auto insurance but also offer other insurance products. Geico’s strong advertising presence has contributed to its prominence in the market.
• Progressive: Progressive is recognized for its innovative approach to auto insurance, particularly its usage-based insurance programs like Snapshot. The company has a significant market share and competes with Mapfre in the auto insurance space.
• Allstate: Allstate is a large and diversified insurance company providing auto, home, and life insurance. They have a substantial presence in various markets, and their brand recognition makes them a significant competitor for Mapfre.
• Liberty Mutual: Liberty Mutual is another major player offering a range of insurance products, including auto and home insurance. They compete with Mapfre in multiple states and often emphasize personalized coverage options.
• Nationwide: Nationwide is a well-established insurance company offering a variety of coverage options. They have a strong presence in auto insurance and compete with Mapfre in providing comprehensive coverage solutions.
• Farmers Insurance: Farmers Insurance Group is known for its wide array of insurance offerings. With a strong presence in the market, Farmers competes with Mapfre in several states and offers diverse coverage options.

Before making any decisions, it’s advisable to obtain personalized quotes and thoroughly compare the offerings of different insurers based on your individual needs and preferences. Additionally, market dynamics can change, so the current competitive landscape may differ from the information provided here.

Mapfre Insurance Claims Process

Ease of Filing a Claim

Mapfre provides a user-friendly claims process, allowing policyholders to file claims through various channels. Whether it’s through their online portal, over the phone, or via their mobile app, Mapfre ensures flexibility to accommodate different preferences. The online platform is intuitive and guides users through the necessary steps for a smooth claims submission.

Average Claim Processing Time

Timely claims processing is crucial, and Mapfre understands the importance of swift resolution. On average, Mapfre strives to process claims efficiently, aiming to provide policyholders with quick responses and resolutions. The company’s commitment to expedited processing contributes to a positive customer experience during what can often be a stressful time.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable metric for assessing the effectiveness of any insurance company’s claims process. Mapfre has garnered positive reviews for its fair and efficient claim resolutions. Policyholders appreciate the transparency in communication and the company’s commitment to ensuring that payouts accurately reflect the covered losses.

This positive feedback reflects Mapfre’s dedication to customer satisfaction in the claims handling process.

Mapfre Insurance Digital and Technological Features

Mobile App Features and Functionality

Mapfre’s mobile app is designed with the policyholder in mind, offering a range of features for on-the-go convenience. Users can easily access their policy information, report and track claims, and even request roadside assistance directly from the app. The intuitive interface and responsive design contribute to a seamless mobile experience.

Online Account Management Capabilities

Policyholders benefit from robust online account management capabilities with Mapfre. The online portal allows users to review and update their policies, view billing information, and access important documents. The self-service options empower customers to have greater control over their insurance accounts, fostering a sense of convenience and autonomy.

Digital Tools and Resources

Mapfre goes beyond basic online functionality, providing policyholders with additional digital tools and resources. These may include educational materials, safety resources, and tools to estimate coverage needs. By offering a comprehensive suite of digital resources, Mapfre aims to empower customers to make informed decisions about their insurance coverage and overall risk management.