Our History


The Commerce Insurance Company, a property and casualty insurance subsidiary of MAPFRE U.S.A. Corp. (formerly The Commerce Group, Inc.), was founded in the town of Webster, Massachusetts in 1972. The company was founded to provide independent agents access to a company focused on agents and their customers' personal lines insurance needs.

From its modest beginnings, The Commerce Insurance Company has grown to become the largest provider of private passenger automobile insurance in Massachusetts, insuring more than one of every four registered automobiles in the state. We offer Massachusetts drivers a variety of group automobile insurance discounts, including the tremendously popular AAA member discount. In addition, based on the most current available information, the company is leading provider of homeowners insurance and second leading writer of commercial automobile insurance in Massachusetts.

All Commerce products are available through the more than 600 independent agents who represent the company. For information about our products, talk to any one of our agents. For the name of your nearest Commerce agent, consult the Agent Locator page on this website.

Today, The Commerce Insurance Company writes nearly $1.6 billion in premium and employs more than 1,800 people at their Webster facilities. The Commerce Insurance Company ranks as one of the top 50 Property and Casualty insurance companies in the U.S. according to A. M. Best.

Where We're Going

Long considered a 'Massachusetts-Only' company, Commerce has begun to expand geographically. In 1995, The Commerce Group, Inc., acquired Western Pioneer Insurance Company, of Pleasanton, California Following the acquisition, Western Pioneer's name was changed to Commerce West Insurance Company in order to enhance its identity as a member of the Commerce family. Commerce West, which writes automobile insurance throughout California and Oregon, also offers its products through independent agents.
For more information visit www.CommerceWest.net

In January 1999, The Commerce Group, Inc., in a joint venture with AAA Southern New England, purchased the Automobile Club Insurance Company of Columbus, Ohio. This company writes personal automobile and homeowners insurance in 11 states through AAA affiliated independent insurance agencies. Following the acquisition, the company name was changed to American Commerce Insurance Company ('ACIC') in order to enhance its identity as a member of the Commerce family.
For more information visit www.ACILink.com

In March 2001, The Commerce Insurance Company began writing private passenger automobile, homeowners, and umbrella insurance in the State of New Hampshire. All business will be written through professional independent agents who provide customers professional advice and service.

In April 2007, Commerce entered the New York personal lines insurance market through its acquisition of SWICO Enterprises, Ltd., the holding company for Hempstead, New York-based property and casualty insurer MAPFRE Insurance Company of New York. MAPFRE Insurance Company of New York primarily writes private passenger automobile insurance in the state of New York.

In June 2008, The Commerce Group, Inc. was acquired by MAPFRE S.A., a global organization and the leading insurer in Spain in non-life insurance. MAPFRE ranks as the largest insurance group in Latin America and the tenth largest in Europe with a presence in 43 countries, and a network of almost 51,000 agents around the world.
For more information visit www.mapfre.com

How We'll Get There

All property and casualty insurance subsidiaries of MAPFRE U.S.A. Corp. (formerly The Commerce Group, Inc.) are committed to consistently providing superior quality products to its agents and insureds, the highest levels of service to all of its customers, and a working environment that is both stimulating and challenging to its employees. Equally as important, management has placed a high value on building and protecting the company's strong financial condition through a commitment to profitable growth.

We believe that our continued success will be assured through our trademark of providing quality, caring service to our agents and insureds and by remaining faithful to our corporate philosophy.

"Caring in everything we do."