Mapfre Insurance Review 2022

Lisa GreenDec 17, 2021

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Insurance reviews

Mapfre
  • Auto insurance

  • Homeowners insurance

The bottom line:

Mapfre offers auto insurance with a variety of coverage options and discounts. The company boasts a low number of auto insurance complaints to state regulators, but it only sells auto insurance in select states. When it comes to home insurance, Mapfre struggles with customer service.

Pros

  • Website available in Spanish.
  • A lot of coverage options and discounts.
  • Far fewer than expected complaints about auto insurance to state regulators.

Cons

  • Not available in all states.
  • Higher than expected number of complaints about home insurance to state regulators.
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Auto insurance review

Mapfre Auto Insurance

Mapfre Auto Insurance

4.5

NerdWallet rating 
NAIC complaints

Far fewer than expected

Ease of use

Average

Discounts

Average set of discounts

Mapfre, an insurance giant based in Spain, is Massachusetts’ largest auto and homeowners insurer; the company offers insurance coverage in 18 U.S. states. Mapfre sells policies through independent agents, offering a wide assortment of options and discounts. Its website is available in both English and Spanish.

Mapfre is among NerdWallet’s Best Car Insurance Companies.

Mapfre auto insurance coverage

Mapfre offers all the standard coverage types, including liability and other state-required coverage, towing and rental car coverage, and comprehensive and collision insurance.

The company also offers several add-on options, including:

  • Disappearing deductible. By staying claim-free, you can earn credits to lower the deductible on your collision coverage. A deductible is the amount an insurer subtracts from your settlement claim check. At Mapfre you can earn a $50 credit for your first claim-free year, and up to $300 in credits if you continue claim-free for more than five years.

  • Accident forgiveness. With this add-on, your first at-fault accident won’t make your premium go up.

The AutoMaster package, available in most states where Mapfre operates, bundles new car replacement insurance with several add-on coverage types, including laptop and cell phone replacement. Details of the AutoMaster package can differ by state.

In Massachusetts, Mapfre has drive-in appraisal centers for quick evaluations of damage to your car. A locator on Mapfre’s website shows where to find them.

Auto insurance discounts

Auto insurance discounts from Mapfre include:

  • Multipolicy and multicar discounts.

  • Discount for completing driver training programs, including teenSmart for young drivers.

  • Discount for having no at-fault accidents or traffic violations for three years.

  • Loyalty discount.

  • Discount for paying your premium in full, upfront.

  • Paperless and online payments discount.

  • Low-mileage discount.

  • Student discounts for good grades or leaving the car at home while at school.

Pricing based on tracked driving habits

Mapfre offers DriveAdvisor, a voluntary program that monitors your driving habits through a phone app. You get a discount when you sign up and get started, and you can earn a discount for safe driving behavior.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Mapfre Home Insurance

Mapfre Home Insurance

3.5

NerdWallet rating 
NAIC complaints

More than expected

Coverage options

More than average

Discounts

Average set of discounts

Mapfre home insurance coverage

Like other homeowners insurance policies, coverage from Mapfre will pay out if your property is damaged by fire, storms, lightning, falling trees or other objects, theft or vandalism. Mapfre’s policies come with a high-tech bonus: round-the-clock access to an IT help desk that can assist with problems like computer viruses, malfunctioning Wi-Fi connections and sluggish laptops.

You can also buy add-ons to cover more situations:

  • Replacement cost coverage will pay what’s needed to replace your home if your policy’s limit is too low to cover the full cost.

  • Water and sewer backup isn’t typically covered by standard policies. This add-on will pay for repairs due to flooding or other damage if service lines break.

  • Home systems protection will pay for the failure of equipment like your furnace, air conditioner or built-in appliances.

  • Home restoration program will expedite the process of returning your home to its previous condition after a covered incident; this includes clean-up of damage from water, fire, smoke and biohazards.

  • Extra coverage for valuable items like furs, jewelry and silverware is available.

  • Fraud protection pays if you’re a victim of forgery or counterfeit money.

  • Personal injury liability helps cover costs associated with issues like libel, slander, wrongful entry and false arrest.

  • Special personal property coverage broadens your standard homeowners insurance by covering more ways your belongings might be damaged or lost.

Mapfre’s Premier Living package bundles many of these add-ons with several others, including coverage for identity theft, additional living expenses while your home is being repaired, and the cost to bring damaged property up to current building codes if local laws have changed.

Home insurance discounts

Discounts from Mapfre may include:

  • New home discount.

  • Protective device discount.

  • Renewal discount.

  • A discount for bundling your home and auto policy.

  • A discount for completing an approved home education course.

  • Discounts for homeowners over the age of 55.

  • A discount for paperless billing.

  • A discount for installing home features that help prevent wind damage.

Complaints

Relative to its size, Mapfre had far fewer than the expected number of complaints about auto insurance to state regulators, but significantly more than expected for home insurance according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Mapfre Insurance 

Website: Mapfre’s website is available in both English and Spanish. It provides basic information on coverage, add-ons and discounts, along with a link to quickly search for a nearby agent. You can use the website to manage your policy, report claims and make payments.

Mobile apps: The Go Mapfre app allows you to view your policy, make payments, submit claims and more. It’s available on both Android and iOS devices for customers in California, Arizona, Pennsylvania, Florida and Massachusetts.

Other insurance from Mapfre

In addition to auto and homeowners insurance, other types of insurance from Mapfre include:

  • All-terrain vehicle insurance.

  • Business insurance.

  • Condo insurance.

  • Motorcycle insurance.

  • Renters insurance.

  • Umbrella insurance.

  • Yacht insurance.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Home insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Frequently asked questions