---
title: "Mapfre Insurance [Updated 2026]"
description: "Mapfre Insurance is a real company headquartered out of Webster Massachusetts that sells auto, homeowners, other property, and commercial vehicle insurance."
canonical: "https://www.coveragecat.com/reviews/mapfre"
last-updated: "2026-08-13"
---

# Mapfre Insurance [Updated 2026]

1. [Introduction to Mapfre Insurance](#introduction)
2. [What Kinds of Insurance Does Mapfre Insurance Offer?](#typesof)
3. [Does Mapfre Insurance Sell Auto Insurance?](#sellprimary)
4. [Does Mapfre Insurance Sell Homeowners Insurance?](#sellsecondary)
5. [How Does Mapfre Insurance Work?](#howdoesitwork)
6. [Pros and Cons of Mapfre Insurance](#proscons)
7. [Reviews for Mapfre Insurance](#review)
8. [Get Customer Support Or File A Claim For Mapfre Insurance](#support)
9. [Frequently Asked Questions](#faq)

###  <a id="introduction"></a> Introduction to  Mapfre  Insurance

Mapfre Insurance is an insurance company focused on car and homeowners insurance headquartered in Webster, Massachusetts. The company is a subsidiary of Spanish multinational MAPFRE Group, which operates in 47 countries and ranks as the sixth-largest non-life insurer in Europe [(Wikipedia, "MAPFRE Insurance", 2026)](https://en.wikipedia.org/wiki/MAPFRE_Insurance). Mapfre writes property and casualty insurance through 4,200 independent agents across 19 states [Ibid.](https://en.wikipedia.org/wiki/MAPFRE_Insurance). The company holds the largest market share for auto insurance in Massachusetts and ranks among the top 20 auto insurers nationwide [(MAPFRE, "MAPFRE becomes MAPFRE Insurance in USA", 2023)](https://www.mapfre.com/en/communicate/corporate-communicate/mapfre-changes-usa-name/).

###  <a id="kindsof"></a> What Kinds of Insurance Does  Mapfre  Insurance Offer?

 Mapfre Insurance's focus is auto and homeowners insurance sold via agents. They also provide coverage for identity theft, motorcycles, excess liability/umbrella, watercraft, commercial business insurance, and RVs. According to [(Better Business Bureau, "MAPFRE Insurance", 2026)](https://www.bbb.org/us/ma/webster/profile/auto-insurance/mapfre-insurance-0261-204572), the company offers auto, home, business, umbrella, and motorcycle coverage.

| **Coverage Type** | **Available** | **Distribution Channel** |
|---|---|---|
| Auto insurance | Yes | Online quote or agent |
| Homeowners insurance | Yes | Online quote or agent |
| Umbrella/excess liability | Yes | Agent only |
| Motorcycle insurance | Yes | Agent only |
| Commercial business | Yes | Agent only |
| RV and watercraft | Yes | Agent only |

###  <a id="sellprimary"></a> Does  Mapfre  Insurance Sell Auto Insurance?

Yes, Mapfre primarily sells auto insurance. MAPFRE auto insurance reviews show that the company's coverages are subject to the same regulations as other major insurers, so there's limited underlying product differentiation other than price. The company offers an Auto Glass Repair Program that repairs windshields at no charge regardless of deductible [(U.S. News & World Report, "Mapfre Car Insurance Review for 2026", 2026)](https://www.usnews.com/insurance/auto/mapfre-car-insurance-review). According to [Ibid.](https://www.usnews.com/insurance/auto/mapfre-car-insurance-review), Mapfre offers accident forgiveness to new customers and inexperienced drivers with looser qualifications than competitors. Discounts include bundling, paid-in-full, good student, multi-car, and clean record [Ibid.](https://www.usnews.com/insurance/auto/mapfre-car-insurance-review).

###  <a id="sellsecondary"></a> Does Mapfre  Insurance  Sell Homeowners Insurance?

Yes, Mapfre sells homeowners insurance. Policies sold by Mapfre protect property with [standard homeowners coverage](/homeowners-insurance): (A) home structure, (B) secondary structures, (C) personal effects, (D) when you can't use the property, (E) liability to others, and (F) medical payments for injury. According to [(MAPFRE Insurance, "Home Insurance", 2026)](https://choosemapfre.com/homeowners), their homeowners policies protect the home structure and personal belongings against events like tornadoes, hail, fire, theft, and vandalism. The coverage includes personal property protection for belongings and liability coverage for injuries on the property [Ibid.](https://choosemapfre.com/homeowners). They also have marketing programs that target particular property types, like [restorationist homes](https://www.mapfreinsurance.com/property-insurance/home-repair-program/).

###  Does  Mapfre  Insurance Sell Liability Insurance?

Yes, Mapfre does sell liability insurance, also called umbrella insurance, to consumers. If you'd rather get a number of quotes and comparisons, you can purchase Umbrella insurance via [our explainer](/umbrella-insurance) on the subject. For Mapfre, you can contact their agents via the phone on [this page](https://www.mapfreinsurance.com/umbrella-insurance/).

###  <a id="howdoesitwork"></a> How Does  Mapfre  Insurance Work?

Mapfre sells insurance online and through a large agent workforce. The company works with over 4,200 independent agents [(Wikipedia, "MAPFRE Insurance", 2026)](https://en.wikipedia.org/wiki/MAPFRE_Insurance).

You can find an agent via their [locator tool,](https://agents.mapfreinsurance.com/locator/agentlocator) get an auto quote via their [intake form](https://quote.mapfreinsurance.com/auto/) or a home quote [here](https://quote.mapfreinsurance.com/propertyquote/). Buyers in WA can also check AAA and Mapfre prices at [this portal](https://wa.aaa.com/insurance.html).

###  <a id="proscons"></a> Pros and Cons of Mapfre Insurance
<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li>Their approach to customer service in joint
      ventures has led to a below average complaint record in WA
      state</li>
      <li>
        <a href=
        "https://news.ambest.com/presscontent.aspx?altsrc=9&refnum=36642">
        'A (Excellent)' financial strength ratings from AM Best as of October 2025</a>
        with stable outlook and global operations
      </li>
      <li>Windshield repair at no charge regardless of deductible through Auto Glass Repair Program</li>
      <li>Accident forgiveness available to new customers with looser qualifications than competitors</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li>Below average customer service reviews on
      <a href=
      "https://www.bbb.org/us/ma/webster/profile/auto-insurance/mapfre-insurance-0261-204572">
        BBB</a> and average index on the <a href=
        "https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=23876&amp;REALM=PROD&amp;COCODE=23876&amp;REALM=PROD">
        NAIC for its ex-Washington, Idaho, and Oregon service</a>
      </li>
      <li>If you need coverage beyond homeowners or auto insurance, you must call an agent</li>
      <li>Auto Club MAPFRE Insurance Company (Ohio subsidiary) had ratings placed under review with negative implications in August 2025 due to capital concerns</li>
    </ul>
  </div>
</div>

### MAPFRE Insurance Rating

| **Rating Source** | **Rating** | **Notes** |
|---|---|---|
| AM Best | A (Excellent) | Financial strength rating affirmed October 2025 with stable outlook [(AM Best, "AM Best Affirms Credit Ratings of MAPFRE S.A.'s Rated Operating Subsidiaries", 2025)](https://news.ambest.com/presscontent.aspx?altsrc=9&refnum=36642) |
| BBB | A+ | Accredited since 2007 [(Better Business Bureau, "MAPFRE Insurance", 2026)](https://www.bbb.org/us/ma/webster/profile/auto-insurance/mapfre-insurance-0261-204572) |

###  <a id="review"></a> MAPFRE Insurance Reviews and MAPFRE Insurance Complaints

 However, [(Better Business Bureau, "MAPFRE Insurance", 2026)](https://www.bbb.org/us/ma/webster/profile/auto-insurance/mapfre-insurance-0261-204572) shows mixed customer reviews with some complaints about claims handling and rate increases.

A significant 2026 development involves MAPFRE's legal dispute with AAA Northeast. [(Insurance Journal, "MAPFRE Accuses AAA of Violating Long-Time Exclusive Marketing Agreement", 2026)](https://www.insurancejournal.com/news/east/2026/01/07/853258.htm) reports that MAPFRE filed a lawsuit alleging breach of an exclusive joint marketing agreement worth $200 million annually in premiums. A judge later denied MAPFRE's request for a preliminary injunction, finding insufficient proof of irreparable harm [(Insurance Journal, "MAPFRE Denied Injunction Against AAA Auto Insurance Sales in Massachusetts", 2026)](https://www.insurancejournal.com/magazines/mag-features/2026/02/23/858398.htm).

###  <a id="support"></a> Get Customer Support For Or File A Claim With  Mapfre   Insurance

If you're searching for phone support, Mapfre offers one phone line for Claims at 855-627-3737.

They provide a claims documentation submission form [here ](https://claims.mapfreinsurance.com/documents/emailClaimDocuments) that includes a tab on submissions via Fax to the following number 508-949-9549 and instructions to add: "Loss or Claim Number", "Policy Number", "Your Contact Info: Name & Phone".

To file a claim with Mapfre Insurance policyholders are strongly encouraged by their website to file a claim via their [online portal](https://mcr.mapfreinsurance.com/claims/#/ReportClaim). Whether you purchased your Mapfre insurance through Coverage Cat or not, and aren't in immediate danger, you can contact us to help support you through your claims process.

###  <a id="faq"></a> Frequently Asked Questions

**Should I Buy Mapfre Insurance?**

Deciding whether to buy MAPFRE Insurance depends on your insurance needs and preferences. MAPFRE offers a range of insurance products, including auto, home, and commercial vehicle insurance, with coverage options for different customers. It's important to compare their offers, price, customer service reputation, and the convenience of their services. Do you live in Washington, California, Texas, New York, or Florida? Then [Coverage Cat](/) can assess your insurance needs and help you compare MAPFRE insurance policy reviews with other carriers.

**Is Mapfre Insurance a Real Insurance Company?**

Yes, MAPFRE Insurance is part of the MAPFRE Group, a global insurance company with its headquarters in Madrid, Spain. The Group operates worldwide and is the largest Spanish insurance company. MAPFRE USA, headquartered in Webster, Massachusetts, and the [joint venture](https://www.mapfre.com/en/communicate/corporate-communicate/aaa-jointly-insurance-company-usa/#:~:text=MAPFRE%20Insurance%20is%20a%20brand,to%20its%201.2%20million%20members.) in Washington Auto Club MAPFRE Insurance is a subsidiary under this larger global entity, which allows it to leverage the robust resources and international network of its parent company to diversify its risk.

As of October 2025, [(AM Best, "AM Best Affirms Credit Ratings of MAPFRE S.A.'s Rated Operating Subsidiaries", 2025)](https://news.ambest.com/presscontent.aspx?altsrc=9&refnum=36642) affirmed their 'A (Excellent)' financial strength rating with a stable outlook. Their joint venture with [AAA, the sometimes insurance](/reviews/aaa-insurance) sometimes organization automotive club in Washington, does not separate [its own separate financial information with the NAIC](https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_FINANCIAL&COCODE=17286&:refresh).

**How Does Mapfre Insurance Make Money?**

MAPFRE Insurance makes money through the premiums paid by its customers for insurance policies it offers. The company pools these premiums to pay out claims while also investing a portion of these premiums to generate additional income.

**Is MAPFRE Good Insurance?**

Whether MAPFRE is good insurance depends on your specific needs and location. The company holds strong market positions in certain states, particularly Massachusetts where it protects more homes and autos than any other carrier [(MAPFRE, "MAPFRE becomes MAPFRE Insurance in USA", 2023)](https://www.mapfre.com/en/communicate/corporate-communicate/mapfre-changes-usa-name/). MAPFRE insurance rating from AM Best is 'A (Excellent)' for financial strength [(AM Best, "AM Best Affirms Credit Ratings of MAPFRE S.A.'s Rated Operating Subsidiaries", 2025)](https://news.ambest.com/presscontent.aspx?altsrc=9&refnum=36642), which means the company has a strong ability to meet policyholder obligations.

**Is Using Mapfre Insurance Worth It?**

MAPFRE Insurance is well-suited to a variety of customers who need homeowners and auto insurance. The only way to know for sure whether it's right for you is to compare your auto, home, and umbrella insurance quote with [Coverage Cat](/). We'll find you the best possible offers, including Mapfre and make it easy to buy your best possible policy.

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