Mapfre Insurance Company Review (2023)

What You Should Know About MAPFRE Insurance

Reading reviews and checking ratings is one of the best ways to determine if a company is a good auto insurance provider. Below, we’ve covered the important reviews and ratings you should know about when considering Mapfre as an auto insurance company.

Mapfre Customer Satisfaction and Complaints

Mapfre has an A+ rating on BBB. The BBB uses the following factors to calculate its rating of a company:

• Customer complaint history with the BBB.
• Type of business and time in business.
• Business practice transparency.
• How the company honors its commitments to the BBB.
• Licensing and government actions.
• Advertising issues.

An A+ rating is the highest rating a company can receive, which means that Mapfre has at least a score of 97, which is excellent.

On the BBB, Mapfre also had a total of 63 customer complaints closed in the last three years, and 33 customer complaints closed in the last year. Customer reviews on the BBB only rated Mapfre 1.25 stars out of five. However, this average was only from 48 customer reviews, which is only a tiny portion of Mapfre’s customer base.

On JD Power’s latest customer satisfaction survey, Mapfre was only rated in the New England region, which includes the states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont.

Mapfre earned a score of 804 on the JD Power study, which was below the average of 823 for the New England region. Additionally, the NAIC gave Mapfre a complaint ratio that was above the national average, which means Mapfre has a higher number of complaints than most companies.

Mapfre A.M. Best Rating

A.M Best ratings give insight into a company’s financial performance and stability, which is especially important for car insurance companies that are paying out claims on a daily basis. A.M. Best gave Mapfre a rating of A.

While an A isn’t the highest rating possible at A.M. Best, it is still an excellent rating and means Mapfre is in good financial standing. The provider is more than capable of fulfilling its ongoing financial obligations, such as car insurance claims.

A.M. Best also rated Mapfre’s subsidiaries, which underwrite many of its auto and property insurance policies in some states, with each company earning an A+ for financial strength.

Mapfre Mobile App Reviews

Having a good car insurance app is important, as it lets customers easily manage their car insurance policies. Mapfre’s car insurance app is designed to let customers do all of the following:

• File claims and submit accident details such as pictures.
• Pay Mapfre account bills.
• Update account information, such as adding a driver.

However, Mapfre’s app is only available in Massachusetts, Arizona, California, Florida, and Pennsylvania. If you don’t live in one of those states, you can’t use Mapfre’s app to manage your policy.

In addition, Mapre’s app scores poorly on both Google Play and the Apple Store:

• Apple Store Rating: 1.6 out of five stars, based on 121 reviews
• Google Play Rating: 2.9 out of five stars, based on 183 reviews

Customer complaints about the app had to do with the app being outdated, such as a lack of facial recognition to sign into the app, as well as multiple bugs and issues with the app. So if you are looking into Mapfre and hoping it has good online apps for smartphone access, you will likely be disappointed.

Because so many people prefer to quickly access documents and information online from their mobile devices on the go, Mapfre’s lack of a good app can be a problem for most drivers.

Mapfre Auto Insurance Pros and Cons

Mapfre has a number of pros and cons, just like any car insurance company. We want to give you an overview of all the pros and cons because some could be deal breakers, while the pros may outweigh the cons for other drivers. Then, we will go in-depth into all the details you need to know about Mapfre.

Mapfre Insurance Pros

Mapfre has a number of pros for auto insurance customers:

• Decent array of auto insurance coverage options and discounts
• Good rating from the Better Business Bureau (BBB) and A.M. Best
• Offers a safe driving program that rewards drivers with discounts for safe driving habits

Mapfre has strong financial ratings and is BBB accredited. A strong A.M. Best rating means that Mapfre isn’t in danger of going under, and the BBB rating shows most customers seem happy with the customer service provided by Mapfre.

Mapfre Insurance Cons

Of course, there are some cons to Mapfre as well. We found that the main cons of Mapfre are as follows:

• Mapfre scored below average on JD Power’s 2022 customer satisfaction survey.
• Only sells property insurance in 19 states, auto insurance in 14, and uses subsidiaries to underwrite in some states
• Limited rate data available online
• Mapfre has a higher-than-average complaint ratio from the National Association of Insurance Commissioners (NAIC).

There is little information to be found about Mapfre’s rates, and the only way to know for sure what you will pay is to get a quote from the company directly. Mapfre also doesn’t sell in every state in the U.S., which means you will have to switch car insurance providers if you move to a state that Mapfre doesn’t cover.

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 Claims Process

Even the most careful driver may eventually have to submit a claim to their auto insurance company. It’s important for a provider to have a clear process for submitting claims.

If you need to submit a claim at Mapfre, you can submit one online, call  Mapfre directly, or call your local Mapfre insurance agent.

However, there isn’t a universal number to contact Mapfre for auto insurance claims. If you want to speak to an agent to file your claim, remember that each state has a different branch phone number to call.

Once you contact Mapfre to file a claim, you will have to submit information about how the accident happened, when the accident happened, the involved parties, and other pertinent details. You will also need to submit pictures of the damages and, if police reports were filed, any police reports.

Mapfre will then assess the damage through the pictures you send or send out an appraiser. Once Mapfre has determined a claim payout and you’ve signed the necessary paperwork, you will get the claim amount to repair your car.

The Final Word on Mapfre Auto Insurance

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.

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.

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.

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

Discounts are a great way to save on your car insurance policy, but not all providers offer the best array of discounts.

Take a look at Mapfre’s list of auto insurance discounts for drivers below:

• 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.
• 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.

Discount Programs at Mapfre

Mapfre also offers some programs that can save drivers money. The main car insurance programs at Mapfre are as follows:

• Accident Forgiveness. You will have to add this to your policy, but Mapfre will forgive you your first at-fault accident with them, meaning your car insurance rates won’t go up.
• Disappearing deductible. Mapfre will take $50 off your car insurance deductible for each consecutive year of clean driving, up to a maximum amount of $300.

Both the accident forgiveness and disappearing deductible programs at Mapfre can save drivers a significant amount of money on their car insurance payments after an accident.