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Mapfre Insurance Reviews

Our reviews team rates Mapfre Insurance 3.5 out of 5.0 stars for its high prices for coverage and high number of low customer review ratings.

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09/09/2023 03:51 PM

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Although it was founded in Spain in 1933, Mapfre Insurance has a presence in 19 states in the U.S. The company offers a wide range of car insurance products and a strong industry reputation.

Our team of experts took an in-depth look at Mapfre Insurance’s customer reviews pricing, policies, industry ratings, pricing, and policies to see how it stacks up against the best car insurance companies in the country.

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Mapfre Insurance Review

Our team rates Mapfre insurance 3.5 out of 5.0 stars. Mapfre Insurance earns points for the variety of insurance policies and coverage options it offers. The company’s strong AM Best financial strength rating also suggests that it is in a good position to settle claims. However, given its relatively high price and higher number of customer complaints, it may be worth considering other options for most drivers.

Reviews Category Rating Score
Cost 3.0
Coverage 3.0
Reliability 4.0
Service 4.0
Overall Rating 3.5

About Mapfre Insurance

Founded: 1933
Parent company: Mapfre Group (Spain)
States available: Arizona, California, Connecticut, Florida, Idaho, Indiana, Kentucky, Maine, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Vermont, Washington
AM Best financial strength rating: A
Insurance types: Auto, home, business and commerce, umbrella, motorcycle, watercraft

Mapfre Insurance was founded in Spain in 1933. The insurance company has since become a multinational company, offering coverage in more than 40 countries throughout the world. Within the U.S., Mapfre Insurance offers auto, business, and home insurance in 19 states. The insurer is known for its wide range of coverage options and solid industry reputation.

Mapfre Insurance Customer Reviews and Ratings

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 51
J.D. Power customer satisfaction index: 844 / 1,000
Trustpilot rating: 4.9 / 5.0

Customer reviews for Mapfre Insurance are fairly mixed. The company has an excellent 4.7 out of 5.0 stars on Trustpilot from over 1,800 customer reviews. However, it also has a disappointing 1.4-star rating from the BBB, though this is from just over 40 customer reviews. It received a lower score in the J.D. Power 2020 U.S. Auto Claims Satisfaction StudySM, with 844 out of a possible 1,000 compared to the industry average of 872. Mapfre Insurance was not included in the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM. 

Positive Mapfre Insurance Reviews

Customers who report having a positive experience with Mapfre Insurance tend to focus on the experiences they have with their agents.

“[My agent] was awesome! I had multiple issues to take care of between my AAA membership questions and my auto insurance policy and license. Not only did he help me take care of everything in one visit, he did it all with a smile.”
– Nicole H. via Trustpilot

“We were in a pinch and [our former provider] who we have had for over 20 years could not have cared less. [Our agent] stepped in and sorted us out while also taking the time to explain all the steps and pricing.”
– Cooke via Trustpilot

Mapfre Insurance Complaints

Customers who have complaints about Mapfre’s services often cite communication challenges as one of the main issues.

“The way they handled the repairs and car rental process was insensitive and unreliable. I had to call the dealer doing the repairs numerous times, and MAPFRE to inquire about the status of the repairs and to discuss all charges related and unrelated to the accident because I was left out of the loop.”
– Rosalinda L. via BBB

“Terrible communication. First it was so difficult to find out the process of filing a claim, then after I filed the claim I got no acknowledgement that they received it. I had to send multiple emails just to get the claim number.”
– Kapil K. via BBB

Mapfre Car Insurance Cost and Discounts

Based on our research, we found that Mapfre Insurance policies tend to be more expensive than those of other car insurance companies, so it might not be the best choice for your bank account. However, like all insurers, Mapfre sets personalized rates for every policyholder based on information about the driver and the vehicle.

Here are some of the factors that determine your car insurance costs:

  • Driving record: If you have any recent at-fault accidents or traffic violations on your record, you’ll pay more for car insurance. 
  • Age: Younger drivers and senior drivers pay more for car insurance than other age groups. Teen drivers pay especially high rates.
  • Vehicle: Generally, the more a car is worth, the more expensive it is to insure. Car models that get stolen more often may also cost more to insure.
  • Credit rating: Drivers with higher credit scores tend to pay less for car insurance than those with lower credit scores.
  • Location: Rates can vary dramatically between states. However, rates can vary within states as well. Some zip codes will pay more for car insurance than others.

Mapfre Car Insurance Discounts

While Mapfre Insurance’s average car insurance policy prices tend to be higher than those of other companies, the provider offers a variety of discounts to help make your auto insurance policy more affordable. 

Here are some of the discounts you may be eligible to get from Mapfre Insurance:

  • “Clean in Three” discount (maintain a clean driving record for three years)
  • Good student discount
  • Student away from home discount
  • AAA membership discount
  • Upfront payment discount
  • Multi-car discount
  • Safe driving discount
  • TeenSMART educational program
  • Shop Smart loyalty discount
  • Annual usage discount
  • Bundling discount
  • Paperless billing discount
  • Welcome back discount
  • Smart driver discount for adults and teens

It’s important to note that each of these discounts may not be available in every state where Mapfre Insurance operates. If you request a car insurance quote from Mapfre, make sure to ask about available discounts in your area.

Mapfre Insurance also offers other types of insurance, including homeowners insurance, renters insurance, and umbrella coverage. You can take advantage of the provider’s bundling discount by pairing another policy with your auto insurance coverage from Mapfre. 

Mapfre Car Insurance Coverage

Mapfre Insurance offers the same standard options as the other providers we reviewed. The company’s policies range from ones that only satisfy the state minimum coverage requirements to full coverage policies, with plenty of additional coverage options available.

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Additional Mapfre Insurance Coverage Options

Beyond standard coverage options, Mapfre Insurance also offers the following additional coverages:

Personal and Electronic Item Coverage Covers any electronics or personal items like purses or sunglasses that get stolen from your vehicle
Rental Car Reimbursement Covers the cost of a rental car if your vehicle is unavailable or undriveable during the claims and repair process
Towing and Labor Covers towing and other roadside services like jump-starts
Digital Media Device Replacement Covers the cost of GPS devices, stereos, and other digital devices that may get stolen from a vehicle
Accident Forgiveness Keeps your rates the same after an accident for an additional fee

Mapfre Roadside Assistance

Mapfre roadside assistance offers vehicle towing, car extraction services, home transport, locksmith services, jump starts, fuel delivery, tire changes, and more. The program costs just $39 a year for the first vehicle and $25 for each vehicle after that.

Mapfre Insurance Rental Car

Mapfre rental car insurance coverage is typically provided with your personal auto insurance policy, but it has the same limits that your policy does. However, Mapfre also offers substitute transportation insurance which can cover your rental for collision, theft, and repair/replacement costs. It does not cover rental car routine maintenance, normal wear and tear, or intentional damage to a vehicle.

Mapfre Car EZ Program

The Car EZ Program offered by Mapfre offers many benefits including but not limited to repair shop cost coverage for program participants, priority repair scheduling, damaged vehicle pickup, vehicle cleaning, and a limited lifetime warranty. It also boasts a 24-hour wait maximum for its EZ Program and superior customer service.

Mapfre Insurance: Additional Coverage Options

While Mapfre insurance is mostly known for its car insurance policies it also offers many home, health, and travel insurance options. Below we will go into more detail about its homeowners insurance, health insurance, and travel insurance coverage policy details:

Mapfre Home Insurance

Mapfre offers what you would typically expect for home insurance and gives standard coverage such as dwelling coverage, personal property, additional living expenses, and liability coverage.  It also have many add-ons to bolster your homeowners insurance policy. These additional coverage options include water and sewer backup coverage, replacement cost coverage for personal items in your house, identity protection, and forgery coverage. While most of these options are not anything special, it does offer some very unique coverage options as well. These unique home insurance policies include:

  • Restorationist Coverage: This type of coverage guarantees replacement costs and ordinance coverage for your home. Also, as an added perk this policy can help you find specialized craftsmen and materials to restore your antique home to its original condition. Further coverage that it includes are things such as comprehensive property coverage, blanket coverage for valuables, and a cash-out option.
  • Premier Living Coverage:This package is specially designed for high-value or historical homes. This policy gives identity theft coverage, displacement protection, and will pay the cost to bring a property that is damaged up to building codes. Other included benefits include a cash-out option, personal injury coverage, and increased special limits.

The cost of Mapfre homeowners insurance is quite average when compared to most providers. However, Mapfre offers many discounts to sweeten the deal including a new home discount, no claims discount, and security device discount.

Mapfre Health Insurance

Mapfre does not offer personal health insurance policies and instead offers them to small, medium, and large businesses which includes dental, vision, and medical coverage. Most inquiries about more specific costs and coverage have to be discussed with an agent personally at 787 622 7780.

Mapfre Travel Insurance

Mapfre offers four different types of travel insurance which include single trip, annual coverage, group plans, and long-term international coverage. Single trip policies have basic coverage for short-term trips while annual coverage is for frequent travelers and sports ongoing coverage. Group plans are specifically designed for businesses and cover groups of four or more people typically at discounted rates. Lastly, long-term international coverage includes coverage for when you are abroad in another country for more than a few months which includes medical and travel assistance coverage as standard. Other benefits include:

  • 24/7 Phone Availability
  • Free Policy Cancellation
  • Digital Claims Reporting

Mapfre Insurance App

Mapfre Insurance offers a mobile app to help customers interact with the company more easily. The app, called Go Mapfre, is available for both iOS and Android.

Here are some of the things you can do with the Go Mapfre mobile app:

  • File and view the status of your claim
  • Pay your insurance bills online
  • Collect and upload details about your accident
  • Update your account and contact information

The Go Mapfre insurance app received a 3.0-star rating on Google Play and a 1.7-star rating in the App Store. Reviews mention difficulty accessing bills and documents, as well as issues connecting to customer service through the app.

Mapfre Motion Smart

In Massachusetts, Mapfre Insurance uses MotionSmartSM. This UBI program uses a smartphone app to monitor driving tendencies and suggest safer driving habits. You’ll receive a discount for participating in the program and can earn further savings for practicing safe driving behaviors. However, you can only enroll in the program in a limited number of states.

Mapfre Car Insurance Reviews: Conclusion

Our team rates Mapfre car insurance 3.5 stars out of 5.0 due to its high average prices and high volume of complaints about its services. While Mapfre has a wide variety of coverage options and a decent reputation the overall service reputation and affordability make it a questionable choice. We recommend searching around for providers and comparing rates before committing to anything.

Mapfre Auto Insurance Competitors: Top Picks

Mapfre Insurance may be right for some drivers in the states where it’s available. If you’re not in one of those states or you’ve found Mapfre insurance isn’t right for you, our team of experts recommends checking out USAA and Geico in your search for auto insurance.

USAA: Best For Military Members

USAA is a highly rated national provider that provides insurance coverage only to military members and their families. The company offers military-specific benefits such as discounts for on-base storage. It scores high in nearly every category in our expert review, with affordable rates, plenty of coverage options, and positive customer and industry ratings.

In our USAA insurance review, our team names it Best for Military Members. If you qualify for USAA car insurance, it is definitely an option worth considering.

Geico: Best Overall Provider

In our Geico insurance review, the company had a near-perfect score. It offers consistently competitive rates and a wide range of policies and additional coverage add-ons, and it has stellar customer and industry reviews across the board. That’s why our team of experts names Geico the Best Overall Provider in our in-depth review of the company. Since it’s available in all 50 states and Puerto Rico, Geico can be a great choice for most any driver. 

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Mapfre Car Insurance Review: FAQ

Is Mapfre a good insurance company?

Our team gave Mapfre Insurance a score of 3.5 out of 5.0, which is about average among the car insurance providers we reviewed. The company offers a variety of coverage options and has a strong AM Best financial strength score, which suggests it is financially capable of paying out claims.

Is Mapfre insurance expensive?

Based on our research and average cost estimates for the areas it serves, Mapfre insurance tends to be a little more expensive than the average provider.

What does Mapfre stand for?

Mapfre is an acronym for Mutualidad de la Agrupación de Propietarios de Fincas Rústicas de España. This roughly translates to “Mutual Association of Owners of Rural Properties in Spain” in English.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.