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Mapfre Auto Insurance Review

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Founded in 1972 and originally called the Commerce Group, Mapfre Insurance was acquired by Mapfre Insurance in 2008. The Massachusetts-based insurer is part of the larger Mapfre Group, a global insurance company with over 36,00 employees worldwide. In addition to their private passenger auto insurance, Mapfre also offers a wide range of property and casualty insurance products to its U.S. customers.
 
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How is Mapfre Auto Insurance rated?

Breakdown

4.0/5
Coverage
3.8/5
Financial Strength
3.5/5
Supplemental Coverage
4.0/5
Pricing & Discounts
3.5/5
Claims Satisfaction & Customer Experience
3.5/5
Automation

Overall Rating: 3.7 / 5 (Very good)

Mapfre’s auto insurance division provides comprehensive coverage options and substantial discounts to compete with the industry leaders. Although only available in 19 states, Mapfre makes up for it with highly-rated customer service by both the BBB and TrustPilot.

Its extensive policy alternatives, targeted discounts, and multiple driver safety programs help make Mapfre a reasonable option for families with multiple vehicles, students or inexperienced drivers.

Mapfre Auto Insurance Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Glass

Coverage - 4 / 5

Mapfre provides auto insurance in 19 states across the country. Although only nine states appear on the dropdown box when requesting a quote, customers can request service from the other states via phone.

The company offers standard industry coverages such as liability, medical payments, collision, comprehensive, and uninsured motorist. It also provides substitute transportation coverage in case a car is totaled and you need to rent a car and towing and labor, for when your auto is disabled.

Additional coverage that can be purchased as part of Mapfre’s endorsements include driver-specific alternatives, particularly for young or inexperienced drivers, such as:
-Disappearing deductible - where safe driving can reduce deductibles over time.
-Accident forgiveness - to prevent premiums from increasing in case of an accident.
-Auto Glass repair program - streamlined process when the damage is only to glass.
-Car EZ - a program where Mapfre has partnered with local repair shops to provide fast and convenient service.
-DriveAdvisor - to help inexperienced drivers become safer and better drivers.
-ePICS - provides the ability to skip having to drive to an appraisal facility and instead submit evidence through pictures.
-TeenSMART - provides an interactive computer-based driving exercise to help reduce the risk of a car crash.

Coverage Fine Print

Accident Forgiveness, Preferred Repair

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.62
NAIC Total Complaints 2020
31

Customer Ratings

Trust Pilot Rating
4.1 out of 10
BBB Rating
A+
Date Collected
2021-03-04
*The NAIC Car Insurance complaint ratio (in this case 0.62) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3.5 / 5

Under its Commerce Insurance Company name, Mapfre has an NAIC Complaint Ratio of 0.62, substantially lower than the median complaint ratio.

Its A+ rating on BBB, 4.1 rating on TrustPilot, and only 31 complaints on NAIC speak to Mapfre’s overall customer satisfaction. However, J.D. Power’s 2020 U.S. Auto Claims Satisfaction Study has Mapfre second-to-last, well below the industry average.

Financial Strength

Key Details

Underwriter
Commerce Insurance Company, Citation Insurance Company
Premiums Written 2020
$1
Marketshare
0.58%
AM Best Financial Rating
A

Financial Strength - 3.8 / 5

Although smaller than the major national companies, Mapfre is still in the top 25 in the country and it’s also the largest auto insurer in Massachusetts.

Insurance policies are underwritten by the Commerce Insurance Company and Citation Insurance Company, which operate under Mapfre’s brand name. As a large, multi-national corporation, Mapfre has strong financial stability, as evidenced in its A (Excellent) rating from AM Best.
*The above information reflects the financial strength of the underwriter of the Mapfre Auto Insurance car insurance policies: Commerce Insurance Company, Citation Insurance Company.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Mileage
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

  • AAA members

Pricing & Discounts - 4 / 5

Mapfre offers a generous amount of discounts, including industry standards such as homeowners, bundling, paid-in-full, good student, student away from home, smart driver, and multi-car.

It has discounts for AAA members, loyalty discounts, and low-mileage discounts.

Additional coverage options such as DriveAdvisor can lead to discounts for safe driving behavior that can be monitored by Mapfre.

Contact & Additional Information

Homepage URL
https://www.mapfreinsurance.com/en/
Company Phone
(800) 922-8276
Headquarters Address
211 Main St Webster, Webster, MA, 01570
Year Founded
1972

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