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Advertiser Disclosure

Originally founded in Spain, MAPFRE Insurance has been around since 1933 and now has offices in more than 100 countries. In the United States, you can purchase a range of insurance products if you live in one of the states where MAPFRE has insurance agents.

Here, we’ll go through everything you need to know about MAPFRE auto insurance plans, including insurance discounts, overall cost, customer reviews, and industry reputation. MAPFRE didn’t end up on our list of the best car insurance companies of 2021, but we’ll let you know how it stacks up to leading providers.


In this article:

MAPFRE Insurance Overview

MAPFRE stands for Mutualidad de la Agrupación de Propietarios de Fincas Rústicas de España, or Mutuality Association of Owners of Rural Properties in Spain. The Spanish-born company acquired The Commerce Group in the U.S. in 1972 and now does business under a group of companies, including:

  • American Commerce Insurance Company
  • Citation Insurance Company
  • The Commerce Insurance Company
  • Commerce Insurance West Company
  • MAPFRE Insurance Company
  • MAPFRE Insurance Company of Florida

You can get MAPFRE car insurance in 19 states:

Arizona Indiana New Jersey Rhode Island
California Kentucky New York Tennessee
Connecticut Maine Ohio Vermont
Florida Massachusetts Oregon Washington
Idaho New Hampshire Pennsylvania  

Overall, MAPFRE Insurance offers a range of insurance coverages and a solid list of discounts. It also includes a rather long list of value programs that include options such as disappearing deductibles, a safe driving app, and a partnership with TeenSMART – a program that offers training and certification to young drivers.

MAPFRE Insurance has a moderately strong standing in the insurance industry as well. The company carries an A+ rating from the Better Business Bureau (BBB) and an A rating in financial strength from AM Best, so you know it can pay customers' auto insurance claims. On the other hand, MAPFRE tends to have high premiums and a high number of complaints from customers.

MAPFRE Car Insurance Coverage

You can get these standard types of coverage through MAPFRE Insurance:

You also have the option to add more specialized vehicle features and property protection:

  • Towing and labor
  • Rental car reimbursement
  • Personal and electronic item coverage
  • Digital media device replacement
  • Accident forgiveness
  • New car replacement
  • Auto glass repair

As added benefits, MAPFRE offers programs such as Car EZ® to expedite the car repair process after an accident andePics® so you can upload photos of property damage and skip in-person appraisals.

MAPFRE Insurance Cost And Discounts

Estimating car insurance prices from any provider can be difficult because your premium depends on a number of individual factors. These include your age, location, driving history, and vehicle make and model.

Our research shows that MAPFRE Insurance tends to be more expensive than other auto insurers. One BBB reviewer reported a rate increase from $1,300 to $2,700 per year after an accident in which the driver was not at fault.

According to our rate estimates from Quadrant Information Services, the national average cost for an annual car insurance premium is $1,732, so this is quite the increase. However, MAPFRE may offer affordable rates for some drivers. If you reach out for a quote, make sure to see if you qualify for any discounts.

MAPFRE Discounts

Drivers may be able to save money on car insurance with the following discounts:

  • Multi-car discount
  • Upfront payment discount
  • Smart driver discount for adults and teens
  • Good student and student-away-from-home discounts
  • Discount for bundling home and auto insurance, or personal umbrella coverage
  • Annual usage discount
  • Green discount for paperless billing
  • AAA membership discount
  • Welcome back discount
  • Clean-in-Three discount for drivers that maintain clean driving records for three years
  • Shop Smart loyalty discount
  • TeenSMART educational program

MAPFRE also offers a disappearing deductible for safe drivers.

MAPFRE Insurance Reviews And Ratings

When you search for MAPFRE reviews, you’ll find mostly negative comments. Most popular car insurance companies have a number of negative reviews because the claims process can be stressful, but generally, there are many positive reviews, too.

Customers complain about MAPFRE’s customer service agents, a slow claims process, and unexpected premium increases. Some customers report rates increasing from year to year without any change in their driving records.

The few positive reviews praise customer service representatives in certain locations. The Webster, Massachusetts, office received the following review:

“As long as you do the right thing, send all necessary documentation and properly fill out all of the paperwork they request, you can expect to have your claim handled professionally, courteously and most importantly, fairly.”

- Leanne E. via Google reviews

Apps And Technology

MAPFRE Insurance has a streamlined website that allows you to submit claims quickly and easily, as well as two mobile apps: GO MAPFRE and DriveAdvisor®.

With GO MAPFRE, you can review your policy information, make payments, and submit claims. DriveAdvisor is a safe driving app that earns you five percent off for signing up and tracks your driving habits. Unfortunately, GO MAPFRE only has a 3.0-star rating on Google Play, and DriveAdvisor isn’t rated at all.

Our Take On MAPFRE Insurance: 3.5 Stars

Our research team gives MAPFRE Insurance 3.5 out of 5.0 stars. MAPFRE tends to have high rates and mostly poor customer reviews, but a longstanding history in the insurance industry and expansive auto insurance coverage may make this provider the right choice for some drivers.

Pros Cons
Longstanding history in the insurance industry Only available in 19 states

A+ rating from the Better Business Bureau and

an Excellent financial strength rating from AM Best

Variety of coverage options Many negative customer reviews
Discounts for many different types of drivers  

Top Recommendations For Auto Insurance

Anytime you shop for car insurance, it’s smart to get quotes from more than one company so you can compare coverage and rates. We recommend looking into two of the nation’s top providers, State Farm and Progressive. Both scored highly in our industry review.


State Farm: 4.6 Stars

With an A++ financial strength rating from AM Best, you can rest assured that State Farm isn’t going anywhere. The largest car insurance company in the nation was named Best for Students in our study and has received top marks from major authorities in the industry. With State Farm, you can expect availability in 50 states, great discounts for students and safe drivers, and coverage extras such as roadside assistance. Find out more in our complete State Farm auto insurance review.

Progressive: 4.6 Stars

Progressive is another provider that topped the charts in our industry review. The company has been around since 1937, almost as long as MAPFRE insurance. Some of its top highlights include extensive coverage options, discounts, and money-saving programs such as accident forgiveness, and excellent technology. Read our full Progressive auto insurance review to learn why we named the provider the Best for High-Risk Drivers.

FAQ: MAPFRE Insurance Review

What can you do on MAPFRE’s mobile app?

You can view your insurance policy, pay bills, and file claims on MAPFRE’s mobile app. Unfortunately, GO MAPFRE isn’t highly rated with just a 2.9-star rating on Google Play. MAPFRE’s safe driving app DriveAdvisor tracks your driving habits to help you save money on car insurance.

Is MAPFRE Insurance expensive?

MAPFRE Insurance can be a little costly, but luckily there are discounts available that can lower your rate. If you have any accidents, speeding tickets, or DUIs on your driving record, this can also increase your MAPFRE car insurance premium costs by double compared to a driver with a clean driving record. 

How do I cancel my MAPFRE Insurance?

You can cancel a MAPFRE auto insurance policy by contacting your local office. Depending on your policy and reason for canceling, you may be charged a cancellation fee.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.