MAPFRE Insurance Review

Mapfre Insurance earned an overall score of 3.5/5 in The Zebra's review. Read more below to find out if they're the right carrier for you.

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MAPFRE insurance at a glance

Pros Cons
MAPFRE offers an extensive portfolio of homeowners products that is ideal for homeowners with unique coverage needs. MAPFRE's auto insurance coverage options leave something to be desired.
With headquarters in Spain and Massachusetts, MAPFRE's website and customer service representatives operate in both Spanish and English. MAPFRE has a high number of customer complaints, particularly for auto insurance.
MAPFRE's user-friendly website interface and comprehensive app are positive points for tech-forward customers. The company only offers coverage in 19 states plus Puerto Rico. 
With many other lines of insurance available, policyholders who wish to bundle can combine multiple policies with one insurance company. Low-mileage drivers may want to look for a company with a pay-per-mile telematics program.

MAPFRE car insurance review

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3 Rating from The Zebra Question mark icon

MAPFRE’s auto insurance receives three stars from The Zebra, as its strengths lie in coverage options while its high number of customer complaints reveals its flaws. For customers residing in one of the available states, MAPFRE is a good option to explore if you have standard coverage needs and a relatively clean driving record.

While the company offers an array of discounts, little else makes MAPFRE stand out as an auto insurance carrier against competitors with longer lists of coverage options and more unique discounts. 

Claims satisfaction (J.D. Power) — Not rated

Customer satisfaction (J.D. Power) — Not rated

Financial Strength — Excellent: MAPFRE earned an A rating from financial rating service AM Best. 

NAIC Rating — Poor: The National Association of Insurance Commissioners (NAIC) received significantly more customer complaints than average for MAPFRE in 2020. 

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Where is MAPFRE car insurance available?

Insurance company States available
MAPFRE AZ, CA, CT, FL, ID, IN, KY, MA, ME, NH, NJ, NY, OH, OR, PA, RI, TN, VT, WA, Puerto Rico

MAPFRE coverage options

All of the standard auto insurance options available from most major carriers are available from MAPFRE Insurance. These include liability coveragemedical paymentscollisioncomprehensive, car rental, roadside assistance and uninsured motorist coverage. However, MAPFRE auto policies have a number of extra options for consumers. Have a look at some of the company's options below.

Unique MAPFRE auto insurance programs

MAPFRE Insurance offers a number of "Value Programs," which function as strong incentive to acquire a MAPFRE policy.

  • Disappearing deductible — MAPFRE’s disappearing deductible option provides the opportunity to save up to $300 on your car insurance deductible. You receive credits for every continuous year of safe driving.
  • Accident forgiveness — MAPFRE offers accident forgiveness as an option. If you purchase accident forgiveness at the onset of your policy, your auto insurance rates won’t go up if you cause an accident.
  • Auto glass repair program — MAPFRE Insurance offers a streamlined way of getting your glass-only damages to windows or the windshield repaired. It partners with American Commerce Claim Service Center to quickly take care of repairing or replacing your damaged glass.
  • Car EZ® — MAPFRE Insurance’s CAR EZ® Program promises to make repairs to your vehicle “quick, easy and stress-free.” For those looking for an expedited repair service, this could be a good option.
  • ePICS — ePICS claims to eliminate the need for customers to travel to an appraisal facility by allowing you to snap pictures of your vehicle and upload them through the MAPFRE Insurance app.
  • TeenSMART® — In an effort to educate teens about safe driving habits, MAPFRE Insurance created its teenSMART safe driver program. TeenSMART provides interactive computer-based training to help younger drivers become more adept behind the wheel. This can also lower your auto insurance costs as well.

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MAPFRE insurance discounts

MAPFRE has no shortage of discount options. This is definitely a perk for insurance shoppers looking to save money.

Discounts based on your policy:

  • Paperless discount
  • Paid-in-full

Discounts based on your vehicle or driver profile:

  • Multi-car discount
  • Annual mileage 
  • Good student
  • Student away from home
  • Clean in Three discount
  • Smart Driver discount
mapfre mobile apps

MAPFRE insurance mobile apps


The GO MAPFRE smartphone app allows policyholders to manage their insurance from the convenience of their cell phones. With the app, you can pay bills online, update account information, file claims and view its status, and even upload accident information like photos, police, witness and driver information so that all details are collected and stored in a convenient place. 

MAPFRE DriveAdvisor®

The DriveAdvisor Program provides online feedback on your driving habits in an effort to help you become a safer driver. Those who take advantage of this service may receive up to a 5% discount just by keeping a clean driving record. Learn more about telematics programs.

MAPFRE bundling options

MAPFRE home insurance review

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4.0 Rating from The Zebra Question mark icon

Where MAPFRE lacks in auto insurance, it makes up for in homeowners policies. In addition to standard coverages, MAPFRE offers unique programs for homeowners in specific circumstances.

The company's homeowners insurance product has received far fewer customer complaints than auto insurance, though there are no details on MAPFRE’s website about its homeowners insurance discounts.

Claims satisfaction (J.D. Power) — Not rated

Customer satisfaction (J.D. Power) — Not rated

Financial Strength — Excellent: MAPFRE earned an A rating from AM Best.  

NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) received significantly fewer customer complaints than average for MAPFRE in 2020.

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Where is MAPFRE home insurance available?

Insurance company States available
MAPFRE AZ, CA, CT, FL, ID, IN, KY, MA, ME, NH, NJ, NY, OH, OR, PA, RI, TN, VT, WA, Puerto Rico

MAPFRE home insurance coverage options

MAPFRE offers an array of home insurance options. MAPFRE's home insurance products include dwelling coverageother structurespersonal propertyadditional living expensespersonal liability and medical payments. The company also offers add-ons that could make checking them out worthwhile.

MAPFRE's home insurance add-on menu includes: 

  • Water and sewer backup coverage
  • Replacement cost coverage for your home’s contents
  • Increased limits for personal liability and medical payments
  • Personal injury liability protection
  • Increased limits on certain personal property such as jewelry, silverware and furs
  • Special personal property coverage for most perils affecting your home’s contents

Special programs

For customers looking for special types of home coverage, MAPFRE Insurance also offers unique programs that customers can opt into.


If you own a classic home, your insurance needs could differ from those of a standard customer. MAPFRE is aware of these needs and guarantees coverage for restoration costs, claiming to even help you find craftsmen and hard-to-find materials to get your home back to its original condition. As a part of this coverage, MAPFRE provides a cash-out option in the event of a total loss. Learn more about insuring an older home.


Premier living

For those with more expensive or architecturally unique homes, MAPFRE’s premier living option could be an ideal choice. It offers a number of exclusive coverage choices that are adapted to the needs of a homeowner with a high-value property, including:

  • Guaranteed replacement cost
  • Ordinance or law coverage
  • Additional living expenses
  • Cash-out options
  • Sewer and water backup
  • Extended personal property coverage

IT help desk

At no extra charge, MAPFRE offers a technology help desk to support devices such as computers, smartphones, tablets, network connectivity, printers and more.

MAPFRE Select Home Restoration Program

This is an expedited home repair service intended to speed up the repair process. MAPFRE claims to contact you on the same day of your claim to coordinate reconstruction.

Home system protection

Many of the most expensive systems in your home may not be covered by a standard policy. MAPFRE offers coverage options for a number of home systems, including:

  • Central heating and air conditioning systems
  • Boilers and water heaters
  • Solar heaters
  • Well pumps
  • Built-in generators
  • Underground service lines
  • Permanently-installed appliances and more

Identity theft coverage

MAPFRE partners with cybersecurity company CyberScout to provide protection against a number of online identity threats, including credit card, forgery and counterfeit money protection. See more info on identity theft coverage.

ePICS® program

This program allows MAPFRE customers the chance to report minor damages more efficiently by submitting photos and answering a few simple questions about the damage.

MAPFRE insurance review: is the insurer right for you?

With its wide array of coverage options and ever-expanding roster of independent agents, MAPFRE insurance is a solid option for auto or home insurance, as long as it fits your coverage needs and budget. The company offers unique perks and add-ons, with the trade-off of more frequent customer complaints.

If you’re looking for a new insurance policy and price is your main concern, The Zebra can help you find insurance quotes from many of the top companies in the country. Seeing quotes side-by-side makes finding lower insurance rates much easier.

Comparing your car insurance options is quick, simple and hassle-free.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.