MAPFRE Insurance Review for 2026

The strong MAPFRE insurance rating from A.M. Best and the NAIC show that it’s a great fit if you’re seeking personalized service and long-term stability.

Our MAPFRE insurance review details how its rates compare by age, driving history, and credit score, and lists bundling discounts of up to 25%.

Minimum auto coverage with MAPFRE starts at $72 per month and includes access to its auto glass repair program for quick windshield repairs. Get the Details: Auto Insurance Guide

MAPFRE Insurance Rating

While some competitors, including Geico and State Farm, may offer lower base premiums, MAPFRE’s local agents and reliable claims handling set it apart.

Comparing quotes is essential to knowing if MAPFRE Insurance Company is right for you. Enter your ZIP code into our free comparison tool to see personalized quotes and start saving today.

MAPFRE Auto Insurance Review

MAPFRE auto insurance costs around $72 per month for minimum coverage and about $182 per month for full coverage. Policies are only sold in 19 states, but local MAPFRE agents offer individualized service for claims and policy changes.

In addition to common coverages like comprehensive and collision auto insurance, MAPFRE car insurance includes new car replacement and other optional endorsements that provide more flexibility than what’s available from many other carriers.

Comparing MAPFRE Car Insurance Costs

MAPFRE’s auto insurance rates are highest for teens and inexperienced drivers under 25, who are more likely to be involved in accidents.

As a result, 16-year-old drivers often pay the highest premiums. Your MAPFRE quotes will generally decrease with age and driving experience as crash risk drops.

To help teens gain experience and get lower rates, MAPFRE participates in the teenSMART safe driver program, an interactive course developed by ADEPT driver that combines lessons and real-world exercises to improve driving habits.

Completing teenSMART may qualify eligible teens for a MAPFRE insurance discount in participating states, so it’s a top choice for families looking for the best auto insurance for new drivers.

MAPFRE’s pricing is generally higher than that of many digital-first competitors like Geico or State Farm. The company emphasizes hands-on service from local agents over automated online products.

Most MAPFRE auto insurance reviews note that policyholders interact with local agents who assist with coverage decisions, policy adjustments, and personalized claims support.

MAPFRE vs. Competitors: Auto Insurance Monthly Rates by Coverage

Maintaining a network of highly engaged agents isn’t easy and adds overhead costs, both of which can lead to higher premiums for drivers.

However, if you’re a safe driver, buying multiple lines of coverage, or insuring multiple drivers and vehicles, MAPFRE can provide the customized service you need.

Important Details: Best Auto Insurance Companies for Claims Handling

How Driving Record Affects MAPFRE Insurance Prices

The cheapest car insurance is often offered by companies like Geico and State Farm, where safe drivers pay around $55 to $59 per month.

But insurance costs rise after an accident, ticket, or DUI because insurers see those violations as signs of higher future risk.

MAPFRE vs. Competitors: Auto Insurance Monthly Rates by Driving

MAPFRE’s rates follow that pattern. A clean driver may pay around $72 per month, but premiums rise to about $118 after an accident, $102 after a ticket, and nearly $196 after a DUI.

A DUI typically leads to the largest rate increase from all providers. Compare Now: Cheap Auto Insurance After a DUI

If you need cheap auto insurance for high-risk drivers, MAPFRE often costs more than companies like Geico or State Farm.

Part of that difference comes from its underwriting approach. MAPFRE supports a regional agent network who offer more direct claims assistance, which adds to operating costs that are built into premiums.

How Credit Score Impacts MAPFRE Insurance Premiums

As with most insurers, MAPFRE uses credit-based insurance scores to calculate rates. Motorists with better credit usually pay less because insurers correlate strong credit with fewer and less severe claims.

Drivers with excellent credit pay about $72 per month for minimum coverage from MAPFRE. That jumps to around $84 a month with good credit.

MAPFRE vs. Competitors: Auto Insurance Monthly Rates by Credit Score

MAPFRE’s premiums are generally higher than popular competitors, rising to $108 a month with fair credit and nearly $152 a monthly with poor credit.

State Farm and Geico, for instance, advertise starting rates that are usually in the mid-$50s a month and can dip well into the $30s for drivers with great credit who just need minimum coverage.

If MAPFRE insurance rates exceed your budget, especially if your credit score affects your price, it’s wise to compare quotes from providers known for cheap auto insurance for low-income drivers.

However, if you value personalized advice, MAPFRE uses local agents and more direct service that can justify the higher price point.

What MAPFRE Car Insurance Policies Cover

MAPFRE car insurance reviews note that the company offers standard auto coverages, including liability (bodily injury and property damage), collision, comprehensive, and medical payments.

Optional add-ons include accident forgiveness, which helps prevent a rate increase after your first at-fault accident, new car replacement for eligible vehicles, gap insurance for financed or leased cars, and custom equipment coverage for aftermarket parts.

One feature that sets MAPFRE apart is its Auto Glass Repair Program. In participating states, policyholders can have windshields repaired with no deductible when the damage is fixable rather than requiring full replacement.

MAPFRE Auto Insurance Coverage Options

MAPFRE has a network of glass repair partners that can expedite scheduling to get drivers back on the road. Its unique program provides a simplified small-claims process and reduces your out-of-pocket payments as much as possible.

Other service offerings, such as ePICS virtual appraisals and CAR EZ repair facilitation, also help streamline the claims process by enabling drivers to submit photos of damage and manage repairs more easily.

Ways to Save on MAPFRE Auto Insurance

MAPFRE U.S.A. Corp offers multiple ways for drivers to save on auto insurance by combining a wide range of built-in discounts with smart policy and payment strategies.

For instance, increasing insurance deductibles can lower monthly premiums, while avoiding coverage lapses and maintaining continuous insurance helps prevent higher rates over time.

• Drive Safely: Even beyond accident-free discounts, a long history of safe driving can positively influence your overall rating and eligibility for better pricing.
• Increase Your Deductible: Raising your collision or comprehensive deductible can lower your monthly premium, but it will increase your out-of-pocket costs if you file claims.
• Maintain Continuous Coverage: Avoiding lapses in insurance coverage can help keep rates lower, since insurers often charge more for drivers with coverage gaps.
• Pay in Full: Paying your premium upfront rather than in monthly installments helps you avoid the processing fees added to monthly payments.

Drivers can save even more by bundling policies, insuring multiple vehicles, staying accident-free, installing anti-theft devices, driving fewer miles, and qualifying for good student discounts.

The 15% anti-theft and 10% low-mileage discounts can meaningfully lower premiums for drivers who don’t commute far or have vehicles equipped with security features.

Top Auto Insurance Discounts Offered by MAPFRE

MAPFRE’s strongest savings opportunity is its 25% bundling discount, which is competitive when compared to top providers with the best auto and home insurance bundles.

Its 20% multi-car discount is also solid, especially for households insuring more than one vehicle.

Some of MAPFRE’s other discounts are more modest, including the 7% good student discount and 6% driver training discount. However, these small savings can add up for young drivers.

If you’re focused on the biggest student or teen discount, it’s worth comparing insurers. Staying accident-free, maintaining continuous coverage, and paying in full can also help keep costs down.

Read More: Best Auto and Renters Insurance Bundles

MAPFRE Motorcycle Insurance Review

MAPFRE motorcycle insurance costs around $16 a month for minimum coverage or an average of $34 a month for full coverage.

What makes MAPFRE competitive for motorcycle drivers is its accessory protection for custom parts, medical payments coverage for injuries, and safety course discounts. Its motorcycle policies are also supported by local agents.

Comparing Motorcycle Insurance Costs From MAPFRE

MAPFRE motorcycle insurance runs about $16 per month for minimum coverage and around $34 per month for full coverage. It’s not the cheapest, but it’s not overpriced either.

Companies like Progressive tend to come in cheaper, with minimum coverage costing about $11 per month and full coverage around $23, but these providers rely on digital services rather than agents.

MAPFRE vs. Competitors: Motorcycle Insurance Monthly Rates

Riders with MAPFRE work with local agents instead of through an app or call center. MAPFRE also allows riders to insure accessories and may offer discounts in certain states for completing approved safety courses.

It’s a steadier option for riders who prefer having someone to call when something goes wrong. That’s important to some people, especially when filing a claim or adjusting coverage on a custom bike.

MAPFRE Insurance Coverage Options for Motorcycle Owners

Whether you ride daily or just on the weekend, having the right MAPFRE motorcycle insurance coverage helps safeguard you, your bike, and others on the road.

These common MAPFRE coverage options allow riders to build a policy that fits their riding style, budget, and level of protection.

• Collision Coverage: Typically covers your motorcycle for damage caused by an accident involving another vehicle or object.
• Comprehensive Coverage: Safeguards your car from non-collision damage, including vandalism, theft, fire, and related weather events.
• Liability Coverage: Assists you in paying for bodily injury and property damage that others suffer as a result of an accident you cause.
• Medical Payments Coverage: Assists with the payment of medical expenses for you and your passengers following a covered accident.
• Motorcycle Accessory Coverage Endorsement: Increases protection for custom parts, accessories, and motorcycle trailers.

MAPFRE motorcycle insurance policy pairs standard coverages, including liability, collision, and comprehensive. Learn More: Collision vs. Comprehensive Auto Insurance

It also includes additional features such as accessory protection and medical payments coverage for added flexibility.

MAPFRE covers both standard and customized motorcycles, including protection for aftermarket parts and accessories.

Riders can also add medical payments coverage to help with injury-related expenses after an accident.

Motorcycle Insurance Discounts Available With MAPFRE

MAPFRE provides insight into several motorcycle insurance discounts that encourage safe driving, experience, and loyalty.

These discounts enable riders to reduce their premiums by providing dependable coverage based on what they ride.

• Bundling Discount: Savings may be available when motorcycle insurance is bundled with other MAPFRE policies, such as auto or home insurance.
• Motorcycle Experience Discount: Licensed riders aged 16 or older with more than 1 year of motorcycle riding experience may qualify for additional savings.
• Motorcycle Safety Course Discount: Riders who have completed an approved motorcycle safety or training course may be eligible for extra discounts.
• Multi-Policy or Membership Discounts: Additional savings may be available for qualifying memberships or when insuring multiple policies with MAPFRE.

MAPFRE U.S.A. Corp offers discounts for riding experience, completion of safety courses, policy bundling, and qualifying memberships to help lower motorcycle insurance costs.

These savings reward responsible riding habits and long-term customer loyalty, encouraging safer behavior and continued coverage.

These discounts can help lower your premium, especially if you’ve completed a safety course or have riding experience.

MAPFRE also makes it easier to add optional coverages, like accessory protection or medical payments, without pushing the policy out of your budget.

MAPFRE Home Insurance Review

MAPFRE home insurance is on the competitive side for pricing and comes with guaranteed replacement-cost coverage.

Homeowners insurance coverage starts around $68 per month, but your rates can vary depending on location and coverage limits. Compare discounts and quotes from competitors to decide whether MAPFRE is the right pick for you.

Comparing MAPFRE Homeowners Insurance Costs

MAPFRE homeowners insurance tends to cost less than that of many large national insurers. Compared side by side, companies like Allstate, State Farm, and Nationwide often charge more at the same coverage levels.

MAPFRE operates in only 19 states, but this allows the provider to focus on pricing within those specific markets rather than nationwide. Home insurance rates are half what the competition charges.

MAPFRE Home Insurance Monthly Rates by Dwelling Coverage

One feature that can add value is the MAPFRE Select Home Restoration Program, which speeds up repairs after a covered loss by connecting homeowners with approved contractors.

Instead of sourcing your own repairs and negotiating costs, MAPFRE Insurance coordinates with you through its network and simplifies the claims process.

MAPFRE Home Policy Features and Add-Ons

Policyholders with MAPFRE have a variety of home insurance coverage options to protect against common hazards.

Coverage includes protection against fire, storms, theft, and vandalism, along with repair and replacement coverage to restore the home after a loss.

MAPFRE Home Insurance Coverage Options

It also offers guaranteed replacement-cost coverage to help rebuild the home if construction costs exceed your policy limits.

MAPFRE Insurance Company also protects major home systems, including equipment breakdown, service line, and sewer backup coverage, as well as food spoilage protection.

Homeowners can add options like personal liability and identity theft protection, and increase coverage for higher medical payment limits.

Additional features such as lock replacement, business property coverage, blanket protection, and scheduled coverage for valuables provide more comprehensive protection but will increase your premiums.

Ways to Lower Your MAPFRE Home Insurance Rates

Homeowners can save money on insurance with smart homeownership, such as keeping up with the roof, plumbing, electrical, and heating systems.

In addition, upgrading major systems such as wiring, plumbing, roofing, or heating can reduce overall risk. Other top tips for saving money are:

• Adjust Coverage Limits: Making sure your dwelling and personal property limits accurately reflect your home’s value can prevent overpaying for unnecessary coverage.
• Limit Small Claims: Paying out of pocket for minor repairs can help preserve lower rates and prevent premium increases tied to claim frequency.
• Maintain Your Home Regularly: Keeping your roof, plumbing, electrical, and heating systems in good condition can lower claim risk and help keep rates stable.
• Raise Your Deductible: Raising your deductible can lower your monthly premium by reducing what the insurer pays out for smaller claims.
• Upgrade Major Systems: Modernizing wiring, plumbing, or heating systems can reduce risk and may positively influence underwriting, even if no formal discount applies.

Raising your deductible is one of the easiest ways to lower your monthly premiums by limiting your claim risk. Further, handling minor repairs out of pocket can reduce the risk of rate increases by keeping your record claim-free.

Taking time to review your policy annually helps ensure that dwelling, personal property, and liability limits keep pace with current construction costs and any upgrades you may have made to your home.

You can also tailor coverage limits to your home’s true replacement cost to ensure you aren’t paying for more than you need.

These savings tips can be paired with discounts offered by MAPFRE, such as bundle savings, claims-free history, and discounts for loyal policyholders.

Top Home Insurance Discounts Offered by MAPFRE

New or newer homes, especially those with additional anti-theft and protective devices, are eligible for the biggest discount of up to 35%.

Homeowners save the most when comparing the cheapest home insurance companies. Always get multiple quotes to find the right home insurance company in your neighborhood.

MAPFRE Business Insurance Review

MAPFRE business insurance is designed for small and midsize businesses. Unlike national insurers, which rely on standardized policies, MAPFRE does business through local agents and customizes coverage.

A Business Owner’s Policy (BOP) with MAPFRE is $92 per month and includes general liability, commercial auto, professional liability, and standalone sales coverage.

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MAPFRE Business Policy Premiums vs. The Competition

The cost of business insurance depends on what you’re covering. A BOP bundles property and general liability for building damage, theft, and customer injuries for $92 a month.

Commercial auto insurance covers work vehicles for $138 monthly, while professional liability insurance shields your business against litigation for $97 a month.

MAPFRE vs. Competitors: Business Insurance Monthly Rates

MAPFRE’s rates are higher than those of some national insurers, but its policies are more handcrafted rather than sold as simple, one-size-fits-all packages.

Companies like Liberty Mutual and Allstate often offer business policies at lower prices by using standardized coverage and centralized underwriting, which limit overhead costs.

If you’re looking for the lowest rates, you may want to shop with another provider, although their policies may offer less flexibility or industry-specific endorsements.

MAPFRE Insurance leads with added flexibility, reliable claims service, and industry-specific, local agents who can work with business owners to design a policy that works for them.

MAPFRE’s service-oriented approach is well-suited for small business owners, but may not work for a growing business or corporation that needs more international coverage.

Business Coverage Options From MAPFRE Group

MAPFRE U.S.A. Corp provides property and liability insurance products that business owners are required to carry, including industry-specific coverage and add-ons for higher policy limits.

These coverages are highly adaptable if you need to customize your business policies for specific risks or growth requirements.

• Business Owner’s Policy (BOP): A combination policy that includes business property and general liability.
• Commercial Property Insurance: Covers a business’s physical assets, such as buildings and inventory inside those buildings, for losses from fire and vandalism.
• Directors and Officers (D&O) Liability: Covers legal bills and settlements if a company’s leaders are sued for actions taken in the course of their duties.
• Liquor Liability Coverage: Provides liability coverage for those who sell or serve alcohol.
• Umbrella Insurance: Provides supplemental liability protection beyond the limits of your other insurance policies, adding an extra layer of coverage.

Instead of locking businesses into rigid packages, MAPFRE lets owners adjust coverage based on their risks, including added endorsements or protection tied to diminished value claims.

By bundling essential coverage with specific options, such as liquor liability and directors and officers insurance, MAPFRE can tailor its policies to business owners’ needs.

For example, an umbrella policy provides an additional layer of protection beyond what’s already covered by extending business policy limits.

If a claim exceeds the limits of your general liability or commercial auto coverage, an umbrella policy can step in to cover the remaining amount, which can help protect business assets from large lawsuits or catastrophic losses.

Popular MAPFRE Business Insurance Discounts

MAPFRE business insurance offers a variety of discounts to reduce policy costs. It rewards responsible behavior and proactive business owners with risk management practices already in place.

Businesses can lower premiums with MAPFRE by bundling policies, maintaining a claims-free record, improving safety measures, and qualifying through industry associations.

• Claims-Free Discount: Reduced premiums for businesses that demonstrate a history without recent claims.
• Industry-Specific or Group Discounts: Companies in specific trades or businesses, as well as trade groups that meet certain guidelines, are eligible for discounts.
• Multi-Policy Discount: Save by bundling multiple policies, like pairing a BOP with commercial auto or liability policies.
• Safety and Loss Prevention Discounts: Deals for businesses with safety programs, risk management plans, or loss prevention tactics in place.

Discount amounts can vary by state, so always shop around and compare multiple business insurance companies before you buy.

MAPFRE insurance rates start higher, even with discounts, so you may be able to find a cheaper business policy elsewhere, especially if you only need standard coverage.

MAPFRE Insurance Reviews & Ratings

MAPFRE Insurance receives high financial reviews, with an A rating from A.M. Best. It’s stable and reliable, with decent customer service.

MAPFRE insurance reviews on BBB show the company with an A+ for business practices. Learn how to compare home insurance quotes to find out more about these rating systems.

MAPFRE Insurance Ratings & Consumer Reviews

On the consumer side, Consumer Reports rated MAPFRE at 65 out of 100, which is average satisfaction based on policyholder experiences.

J.D. Power rates MAPFRE at 685 out of 1,000, which is below the industry average, but its 0.62 complaint index indicates it receives fewer complaints than most insurers.

In MAPFRE insurance reviews on Yelp, many praise the company’s responsive customer service, despite claim denials.

Together, these ratings show MAPFRE is financially strong with regional complaints, reflecting that service is directly tied to the local agents near you.

Pros and Cons of MAPFRE Insurance Company

MAPFRE focuses more on coverage quality and service than on offering the lowest premium price.

While it may not have the cheapest rates, it stands out for its comprehensive auto insurance options and specialized programs.

• Comprehensive Coverage Options: Provides highly customizable policies for autos, homes, businesses, and more with niche protections and restoration programs.
• Value-Added Programs: Features like accident forgiveness, new car replacement, CAR EZ, teenSMART, and restoration programs add value beyond standard coverage.
• Discount Opportunities: MAPFRE auto insurance discounts include safe driver, combined policies, safety course, and continuous coverage to reduce rates.

MAPFRE offers discounts for safe drivers and long-term customers. It’s added flexibility and service appeal to those who value protection and support over the lowest premium.

Unfortunately, MAPFRE is only available in 19 states and comes with much higher price points than the best car insurance companies.

• Not the Lowest Rates: Monthly payments are typically more expensive than with budget insurers, particularly those that started digital-first, such as Progressive or Geico.
• Limited Nationwide Reach in Some Lines: MAPFRE Insurance products are not accessible in all states, which may limit choices for certain customers.

MAPFRE is a solid choice for drivers who value reliable claims service and customizable coverage over the lowest price. Minimum auto coverage starts around $72 per month, but MAPFRE home insurance is more affordable.

Our MAPFRE insurance review shows that while it may not offer the lowest premiums, it stands out for programs like the MAPFRE Select Home Restoration Program, teenSMART, and the Auto Glass Repair Program.

MAPFRE is a strong fit for drivers who value specialized programs and service-focused protection over simply finding the cheapest rate.

Always compare companies online before you buy to find the right insurance plan for you. Get instant insurance quotes from our free comparison tool today.