MAPFRE Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's MAPFRE Insurance Score
4.25 Stars
We award MAPFRE Insurance a final rating of 4.25 out of 5 stars. The carrier has outstanding ratings from both AM Best and the Better Business Bureau (BBB). MAPFRE's homeowners insurance rates are also considerably cheaper than average and many discounts are offered on its auto insurance.
Initially founded in 1972, MAPFRE is currently the largest private passenger automobile insurer, commercial automobile insurer, and homeowners insurer in Massachusetts. The carrier is a part of the MAPFRE Group, a global insurance company located on five continents, and is also one of the leading insurers in the Spanish market.
MAPFRE Insurance has expanded to offer its coverage in 14 states across the country. Its catalog of insurance products is quite extensive, offering protection for watercraft and other vehicles, businesses, property, excess liability, and more.
We also love that the insurance company works with a large network of more than 5,000 independent insurance agents and brokers. Independent insurance agents allow customers to have a more complete and personalized experience while shopping for the right coverage. Overall, we highly recommend looking into MAPFRE Insurance to be your next trusted carrier with the help of your independent insurance agent.
MAPFRE Insurance Pros & Cons:
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MAPFRE Insurance Products by Type
MAPFRE Insurance offers a variety of insurance choices for individuals and businesses. The carrier's products include:
Vehicle & Auto Insurance:
Home & Property Insurance:
Commercial Insurance:
MAPFRE Car Insurance
MAPFRE offers all the coverage you need to assemble a complete car insurance policy, including collision, comprehensive, uninsured/underinsured motorist, liability, personal injury protection (PIP), and medical payments. The carrier also offers some additional coverage enhancements.
Coverage types, features, and benefits:
Substitute transportation
MAPFRE's substitute transportation coverage can pay for a rental vehicle while the customer's car is repaired after an accident or while they shop for a new car.
Towing and labor
MAPFRE's towing and labor coverage can pay for professional towing and labor services if the customer's car is disabled out on the road.
MAPFRE Car Insurance Average Prices
MAPFRE does not make its average car insurance rates readily available without requesting a quote. An independent insurance agent can help you find more information about MAPFRE's car insurance rates. You can also estimate how much an auto insurance policy might cost you by using our car insurance calculator.
MAPFRE Homeowners Insurance
MAPFRE offers liability, contents, dwelling, home systems, service lines, repair/replacement, medical payments, and high-value items coverage in its home insurance policies. The carrier also offers several coverage enhancement options, such as increased personal liability protection or umbrella coverage.
Medical payments coverage and valuable items coverage limits can also be extended. MAPFRE also offers special personal property coverage for contents, which can protect against most perils. Some additional coverage enhancement options are outlined below.
Coverage types, features, and benefits:
Water and sewer backup
MAPFRE offers optional water and sewer backup coverage, which can pay to repair property that gets damaged or destroyed by incidents of water and sewer backups.
Replacement cost for contents
MAPFRE offers optional replacement cost coverage for your personal property or contents, which can pay to fully repair or replace your items without factoring in depreciation.
Credit card, forgery, and counterfeit money
MAPFRE's optional credit card, forgery, and counterfeit money protection can protect customers against unauthorized credit card use and other incidents that could lead to financial or identity theft risks.
MAPFRE Home Insurance Average Prices
MAPFRE's home insurance rates are cheaper than average. A home insurance policy from MAPFRE with $300,000 in dwelling coverage costs an average of just $1,325 annually, which is considerably lower than the current national average premium of $2,304. Here are some average home insurance rates from MAPFRE by dwelling coverage amount for comparison.
MAPFRE Insurance Average Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | MAPFRE Average Annual Policy Premium | National Average Annual Policy Premium |
|---|---|---|
| $150,000 | $824 | $1,406 |
| $300,000 | $1,325 | $2,304 |
| $350,000 | $1,492 | $2,571 |
| $450,000 | $1,916 | $3,118 |
| $750,000 | $3,163 | $4,549 |
MAPFRE's homeowners insurance rates were much cheaper than the current national average across every dwelling coverage category we studied.
Methodology
To determine our average home insurance rates, we compared quotes for coverage using a sample customer who is 40 years old and married. The sample policy had $300,000 in dwelling coverage, $30,000 in other structures coverage, $150,000 in personal property coverage, $60,000 in loss of use coverage, $500,000 in liability coverage, and $1,000 in medical payments coverage. The sample insured home was less than 10 years old.
What Discounts Does MAPFRE Insurance Offer?
MAPFRE Insurance offers several competitive discounts for its customers, especially on auto insurance.
- Annual mileage discount: Offered to auto insurance customers who drive less than a specified number of miles, typically 10,000, per year.
- Paid-in-full discount: Offered to auto insurance customers who pay their entire year’s premium upfront, rather than in monthly increments.
- Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through MAPFRE Insurance.
- Good student discount: Offered to auto insurance customers who have students listed on their policies who maintain a certain GPA, often 3.0 or higher.
- Student away-from-home discount: Offered to auto insurance customers who have students listed on their policies who are away at school and not currently driving.
- Clean in three discount: Offered to auto insurance customers who have not had any accidents or traffic violations in at least three years since their policy's start date.
- Bundling discount: Offered to auto insurance customers who bundle their policies with home insurance through MAPFRE.
Your independent insurance agent can help you find more information on additional discounts offered by MAPFRE Insurance and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.
MAPFRE Insurance Customer Service
MAPFRE Insurance allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:
- Online claims reporting
- 24/7 phone claims reporting
- Online bill pay
- Snail mail
- Live chat
The customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:00 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
The best way to ensure a smooth customer service experience is to work with an independent insurance agent. These agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.
Connect with a MAPFRE Agent Today.
Shopping for insurance? MAPFRE has you covered.
MAPFRE Insurance FAQs
MAPFRE's insurance products may be right for customers seeking various types of property, auto, or business insurance. Coverage is only available in select states.
MAPFRE Insurance allows customers to report their claims 24/7. Their official website states that customers will typically be contacted within one business day of submitting a new claim.
MAPFRE Insurance allows customers to file claims anytime over the phone, online, or through snail mail. The carrier’s phone lines for customer service inquiries have standard hours Monday through Friday.
Customers can pay their bills through the official website. The carrier also has a social media presence on Facebook, X, Instagram, YouTube, and LinkedIn, which makes it even more accessible to customers.
MAPFRE Insurance allows its customers to file claims anytime through multiple media. The official website details their auto claims process as follows:
- Report a Claim: Customers can contact MAPFRE's 24/7/365 claims department to report their auto insurance claim. The official website states this process should take between 10-15 minutes. Customers can also file claims online.
- Damage Appraisal: MAPFRE will arrange for an appraiser to inspect the damage to the customer's vehicle. The customer will be provided with a written assessment via special delivery or by mail. An American Commerce appraiser can visit customers at their home, their workplace, or the repair facility of choice for their vehicle.
- Repairs: After getting a damage appraisal, customers can schedule their vehicle for repairs at the shop of their choosing. The final reimbursement the customer receives may not match the original appraisal amount estimated. Should the amount of damage found by the repair shop differ from the appraisal, MAPFRE will attempt to reach an "agreed price."
- Rental Vehicles: Customers who purchased substitute transportation coverage will be supplied with rental vehicles from either Hertz or Enterprise.
- Payment: Final payment will be sent to the customer once the verdict is reached. The customer's deductible amount will be deducted from their reimbursement.
To check on the status of their claim, customers can get in touch with their independent insurance agent, call the carrier, or log into their online account.
MAPFRE Insurance’s official website is highly intuitive and easy to navigate. Prospective and current customers alike can easily locate important information, and pages are fleshed out well enough to provide satisfactory responses.
The carrier also lists specific information about its claims process and discount options, which is a courtesy not provided by all insurance companies. MAPFRE Insurance offers 24/7 claims reporting for its customers through multiple media as well. Overall, MAPFRE Insurance’s user-friendliness experience is among the best of all carriers on the market today.
MAPFRE Insurance offers a wide selection of coverages, including auto insurance. The insurance company offers the following coverages for auto insurance customers:
- Liability coverage
- Medical payments
- Collision coverage
- Comprehensive coverage
- Substitute transportation (coverage for a rental car)
- Towing and labor coverage
- Uninsured motorist coverage
- AutoMaster Package Endorsement (offers perks such as personal belongings coverage)
MAPFRE Insurance also offers various optional benefits such as disappearing deductibles, accident forgiveness, auto glass repair, and the DriveAdvisor Program, which provides online tips to help insured drivers become safer on the road. Your independent insurance agent can help you find out even more about MAPFRE Insurance’s auto insurance policies, as well as their many other products offered.
MAPFRE Insurance has been around for several decades now, and its high ratings through both AM Best and the BBB reflect that. There’s also plenty of glowing customer feedback about the carrier spotted across the web. Combined with a sizable catalog of insurance options, MAPFRE Insurance can certainly be considered a good insurance company.
https://www.mapfreinsurance.com/property-insurance/
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=2365
https://www.bbb.org/us/ma/webster/profile/auto-insurance/mapfre-insurance-0261-204572
https://www.bankrate.com/insurance/reviews/mapfre/