Auto Insurance​

MAPFRE Insurance helps to protect you, your car, and your peace of mind.

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As a leading auto insurance carrier, we know how important it is to get the right coverage at an affordable price.


  • Liability Coverage

    Liability coverage is required car insurance in most states. There are two types of liability coverage – bodily injury liability coverage and property damage liability coverage. It typically helps cover damages for those injured or killed and incurred property damage as the result of an at-fault accident. 

  • Collision Coverage

    Collision insurance is a type of coverage that helps cover damage to the insured’s car as a result of a collision. In an at-fault accident where the car is totaled, collision insurance can help compensate the policyholder for the value of the vehicle. In some cases, like in Massachusetts, collision damages to the insured’s vehicle may be covered whether at fault or not. Deductibles would apply.

  • Comprehensive Coverage

    When you’re insured by MAPFRE, this coverage typically protects the insured and their vehicle from direct and accidental damage, outside of a collision with another car or object. Comprehensive coverage typically covers things like damage to the insured vehicle from extreme weather, vandalism, or theft.

  • Medical Payments

    Medical payments coverage, sometimes called MedPay, usually helps pay for expenses related to necessary medical and funeral services for the insured, their family and their passengers following an accident, regardless of fault. In many states, MedPay is an optional addition to an insurance policy, but there are states where it is mandatory coverage.

  • Personal Injury Protection (PIP)

    Sometimes called no-fault coverage, PIP is similar to MedPay in that it can help cover medical expenses. However, in some states, PIP is mandatory coverage.

  • Full Coverage

    Full coverage isn’t a type of insurance, but rather a description for a combination of insurance including liability, collision, comprehensive and sometimes medical payments coverage. It offers the most protection and is typically more expensive than minimum liability insurance alone.

  • Uninsured Motorist Coverage

    In an accident where the at-fault driver isn’t insured or doesn’t have enough insurance, uninsured or underinsured motorist coverage can help cover costly medical bills. UM / UIM coverage typically helps cover medical expenses the insured or their passengers sustain in the car accident when the other driver is uninsured or their insurance is insufficient.

  • AutoMaster® Package Endorsement (ACIC states)

    Bail Bonds: Personal Belongings

    Loss of Earnings: Seat / Belt Air Bag Death Benefit

    Transportation: Expense Waiver of Collision Deductible

    Cellular Phone: Replacement

    Digital Media: Device Replacement

    Laptop Computer: Replacement

    New Car: Replacement Coverage

  • Substitute Transportation

    MAPFRE’s substitute transportation coverage can help cover the cost of a rental vehicle for the duration of repairs following an accident or while the insured shops for a new car.

  • Towing and Labor

    Towing and labor coverage can help cover costs up to a specified limit each time the insured car is disabled.

Car Insurance Discounts

MAPFRE Insurance offers a variety of discounts to ensure that you’re getting the most value out of your policy. Discounts vary from state to state, but could include:

  • Discount for bundling insurance for your auto and home through MAPFRE
  • Paid-in-Full discount
  • Good Student discount
  • Student away from home discount
  • Annual Mileage discount
  • Multi-Car discount
  • Clean in Three discount

Ask your agent about other discounts you might want to take advantage of.

Car Insurance Value Programs

Getting the most out of your insurance policy(s) is important. That’s why we’ve developed policy “extras” that help increase the value of what you receive. Ask your agent about these options today.

If you're looking to customize your Massachusetts auto policy and want an extra level of protection, you might want to consider MAPFRE’s Elite Package Endorsement.

When you need repairs made to your vehicle after an accident, the experience should be quick, easy and stress-free. That's why MAPFRE Insurance has the CAR EZ® Program.

ePICS eliminates the need for you to travel to a Drive-in appraisal facility or wait for a field appraiser to physically inspect your vehicle after an accident.

MAPFRE offers Accident Forgiveness to a wide range of drivers and experience levels for purchase. This may help protect against rate increases for an at-fault accident.

When the damage is glass only, MAPFRE Insurance streamlines the process of having glass repaired or replaced with the Auto Glass Repair Program.

Help your teenage driver learn how to reduce his/her chances of being in a car crash and lower your auto insurance costs with the teenSMART® safe driver program provided by ADEPT Driver®.

Questions about Auto Insurance

How can I calculate the price of my insurance?

Calculate an estimated cost of insurance for your car in just a few steps. Get a free auto insurance quote by entering your information, or find an independent agent closest to you.

What do you need to get car insurance?

These are the essential things you’ll need to get a car insurance quote:

  • Vehicle Identification Number (VIN) – for each vehicle you’re looking to insure to get an accurate quote.
  • Driver’s License Numbers – of anyone who is going to be covered by your insurance policy.
  • Date of Birth – for each of the drivers you’ll want covered on your policy.
  • Physical Address – Where are each of the cars you’re looking to insure regularly parked or garaged at.
How will a car accident affect my insurance?

After an at-fault accident, you will likely receive a surcharge on your car insurance premium. The length of a surcharge for a car accident depends on your state and insurance company, but could last up to 6 years.

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Please Note: This is meant only to provide general information about commonly available insurance coverages. Except as expressly noted, this content is not intended to describe any specific coverage offered by MAPFRE Insurance.  No coverage is provided, bound or guaranteed by this article.  Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

MAPFRE Insurance® is a brand and service mark of MAPFRE U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and MAPFRE Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.