American Commerce Auto Insurance Review (2023)
American Commerce auto insurance primarily offers insurance through independent agents in 18 states. The average auto insurance rates are $372.66/mo. They are a part of larger insurance company MAPFRE Insurance.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Sep 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
American Commerce Insurance Company
Average monthly rate for good drivers:
N/AA.M. Best rating:
AComplaint level:
LowThe Bottom Line
What is the Bottom Line?
MAPFRE tends to be a little more expensive than their competitors, but they have excellent rankings in most categories that have shown improvement over time.
If you feel that doing business with an independent agent is the best choice for you, it may be worth your time to consider purchasing a policy from American Commerce/MAPFRE. Ask your agent for a quote and if they know of any other products that might be a better fit for your needs.
It isn’t easy to find an auto insurance plan that meets your needs. You can spend hours researching various companies and still not find the best auto insurance company.
If you’re looking for auto insurance, we’re here to help. We’ve gathered American Commerce Auto Insurance Company reviews and ratings from trusted sources to create a comprehensive guide to the company’s reputation. We’ll also take a look at what kind of car insurance they offer.
American Commerce Insurance Company was founded in 1946 as an auto insurance provider in the state of Massachusetts. The company has since been acquired by Spanish insurer MAPFRE, SA, which makes its home in Madrid.
American Commerce is one of five American subsidiaries selling insurance under the MAPFRE USA brand name. They are the single largest auto insurance carrier in the state of Massachusetts, but they have policies available in 18 states and 43 different countries.
Is American Commerce Insurance Company (MAPFRE) a Good Choice?
In what states does MAPFRE write car insurance?
MAPFRE is currently available in the following states:
- Arizona
- California
- Connecticut
- Florida
- Idaho
- Indiana
- Kentucky
- Maine
- Massachusetts
- New Hampshire
- New Jersey
- Ohio
- Oregon
- Pennsylvania
- Rhode Island
- Tennessee
- Vermont
- Washington
Despite their international status, MAPFRE is a smaller insurance company than many people are used to thinking about. When most people think about auto insurance, big names like Geico and State Farm are what typically come to mind. That doesn’t mean there are no benefits to using a smaller insurance company, however.
MAPFRE is a global insurance organization with operations in 43 countries and millions of clients. The company has earned numerous awards including one of Business Week’s “40 World’s Best Companies” for 2009.
They were also ranked as one of the best performing insurance companies for 2009 and 2000 by Ward’s, and ranked among the top 20 insurance writers for private passenger vehicles in 2009.
Is MAPFRE a good insurance company?
There are various organizations that rate insurance companies on everything from financial stability to customer complaints, making it easier for customers to choose which insurance company is right for them.
The ratings for MAPFRE are as follows:
A.M. Best – As of 2019, A.M. Best gives MAPFRE an A rating on financial stability. Their scale goes from A++ to D, so this is a solid rating, but nowhere near the best possible rating for the company.
Better Business Bureau – The Better Business Bureau rates companies on ethics and consumer complaints by state. While the BBB gives MAPFRE an A+ rating in Massachusetts, MAPRFE insurance reviews on the BBB by consumers on the site only rate the company one star, and there are complaints about it having the worst claim service, so it may be worth your time to do some research before making a purchase.
Moody’s – Moody’s rates companies based on financial aspects, from Aaa to C, with Aaa being the highest rating and C being the lowest. Most recently, Moody’s upgraded MAPFRE from A3 to A2.
Standard & Poor’s – Standard & Poor’s, otherwise known as S&P, also rates insurance companies based on their financial abilities. On a scale from AAA to D, the company gives MAPFRE an A+ rating in 2019, which is an improvement from their previous A rating.
JDPower – According to JDPower and Associates, “MAPFRE Insurance ranks highest in the shopping segment with a score of 811. Progressive (803) ranks second, and Erie Insurance (798) ranks third.”
What is the MAPFRE Auto Insurance History?
MAPFRE Insurance originated in Massachusetts as The Commerce Group, Inc., founded in the town of Webster, Massachusetts, in 1972.
MAPFRE provides a full range of insurance products, including coverage for automobiles, homes, motorcycles, watercraft, and businesses. MAPFRE Insurance is part of the MAPFRE Group, a global insurance company present on five continents.
MAPFRE employs more than 38,000 people across the globe and services approximately 34 million clients. In 2011 MAPFRE was ranked by Fortune and Forbes as among the “500 Best and Most Admired Companies in the World.”
How is MAPFRE’s online presence?
The MAPFRE website is excellent, giving you significant amounts of information in an easy-to-use format.
The only drawback to MAPFRE’s website is that you are not able to get a quote online. Because they require you to get a quote from an independent agent, you cannot use their online system to compare prices with other insurance plans.
American Commerce Insurance Company (MAPFRE) Rates
What are American Commerce Auto Insurance & MAPFRE Auto Insurance Rates?
Insurer | MAPFRE | Geico | Allstate |
---|---|---|---|
Average Annual Premium | $4,472 | $3,546 | $4,949 |
Complaints Score (lower is best) | 3.0 | 0.84 | 0.88 |
Get Your Rates Quote Now |
Although MAPFRE is higher than Geico, it’s lower than Allstate which means it’s worth looking at their coverage when comparing rates if they are available in your area.
You are required to contact a MAPFRE insurance agent to get a quote for their policies.
Is MAPFRE the same as Commerce Insurance? To clarify, MAPFRE owns American Commerce, which operates as a subsidiary. So they are the parent company, and American Commerce sells insurance in that name. MAPFRE also operates under a few different names and locations, including MAPFRE Insurance of New York, MAPFRE Florida, and Citation Insurance Company.
Typically, smaller insurance companies or companies that require independent agents have higher rates than some larger insurers, but they may offer unique products or stellar customer service to make up for the difference. If these things are important to you, reach out to an independent agent in your area to find out more.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
American Commerce Insurance Company (MAPFRE) Discounts Available
What discounts are offered by MAPFRE?
Some companies offer discounts for good driving records, high grades for student drivers, hybrid vehicles, and many more. MAPFRE has a number of available car insurance discounts, including:
- AAA Member Discounts – members of this auto group are entitled to a discount through MAPFRE,
- Multi-line discounts – If you have more than one insurance plan through MAPFRE, they will give you a discount for bundling your coverage.
- Welcome Back credit (when prior Loyalty applies) – Former MAPFRE customer? You may be entitled to a discount.
- Paid-in-Full discount – If you pay your bill all at once rather than month-by-month, you’ll receive a discount on your insurance.
- Good Student discount – B average or higher? That’ll earn young drivers a discount.
- Student away from home discount – Going to college away from home? You may be entitled to a discount for that. Check with an agent to find out American Commerce’s definition of a qualifying student.
- Annual Mileage discount – If you drive less, you pay less.
- Smart driver discount – Get a discount for letting MAPFRE track your driving behavior with an app or a device.
- Multi-Car discount – Insure two or more vehicles to receive a multi-car discount.
- Green discount – Hybrid or other environmentally friendly vehicles are entitled to the Green discount.
These are not the only discounts available, so be sure to ask your agent about other possible discounts if you choose to sign up for a plan with MAPFRE.
American Commerce Insurance Company (MAPFRE) Coverage Options
What American Commerce Auto Insurance & MAPFRE Auto Insurance Coverages Are Offered?
Does insurance pay for towing? What if you are hit by an uninsured driver? Like most companies, MAPFRE offers a variety of types of auto insurance coverage, including:
Liability – Liability insurance protects your financial well-being by paying for damages to the other person’s vehicle if you are at fault in an accident. It also covers medical bills in the event of bodily injuries someone else sustained in an at-fault accident. The table below shows average liability rates by state.
State | Average Annual Liability Auto Insurance Rates |
---|---|
North Dakota | $282.55 |
South Dakota | $289.04 |
Iowa | $293.34 |
Wyoming | $323.38 |
Maine | $333.92 |
Idaho | $337.17 |
Vermont | $340.98 |
Kansas | $342.33 |
Nebraska | $349.07 |
North Carolina | $357.59 |
Wisconsin | $359.84 |
Indiana | $372.44 |
Alabama | $372.57 |
Ohio | $376.16 |
Arkansas | $381.14 |
Montana | $387.77 |
New Hampshire | $393.24 |
Tennessee | $397.73 |
Missouri | $399.41 |
Virginia | $413.12 |
Illinois | $430.54 |
Mississippi | $437.38 |
Minnesota | $439.58 |
Oklahoma | $441.57 |
Hawaii | $458.49 |
New Mexico | $462.21 |
California | $462.95 |
Utah | $471.26 |
Colorado | $477.10 |
Arizona | $488.59 |
Georgia | $490.64 |
Pennsylvania | $495.02 |
South Carolina | $497.50 |
Texas | $498.44 |
West Virginia | $501.44 |
Kentucky | $518.91 |
Alaska | $547.34 |
Oregon | $553.43 |
Washington | $568.92 |
Massachusetts | $587.75 |
Maryland | $599.48 |
District of Columbia | $628.09 |
Connecticut | $633.95 |
Nevada | $647.07 |
Rhode Island | $720.06 |
Michigan | $722.04 |
Louisiana | $727.15 |
Delaware | $776.50 |
New York | $784.98 |
Florida | $845.05 |
New Jersey | $865.55 |
U.S. Average | $516.39 |
Get Your Rates Quote Now |
Uninsured Motorist Coverage – Uninsured motorist coverage, often referred to as UM, is mandatory in some states and optional in others. It covers you at the same levels as your liability coverage if you are in an accident where an uninsured driver was at fault.
Collision – Collision insurance protects you by paying for damages to your vehicle if you are at fault in an accident, whether you hit another vehicle or a stationary object such as a wall or mailbox. If you have a loan on your car, you may be required by the lender to have collision insurance on your policy. Here’s a look at average rates for collision coverage across the U.S.
State | Average Annual Collision Auto Insurance Rates |
---|---|
Alabama | $299.10 |
Alaska | $360.18 |
Arizona | $259.31 |
Arkansas | $304.87 |
California | $364.56 |
Colorado | $263.36 |
Connecticut | $348.70 |
Delaware | $296.60 |
District of Columbia | $449.27 |
Florida | $251.30 |
Georgia | $320.45 |
Hawaii | $297.75 |
Idaho | $209.00 |
Illinois | $284.92 |
Indiana | $237.19 |
Iowa | $207.10 |
Kansas | $251.46 |
Kentucky | $255.33 |
Louisiana | $391.03 |
Maine | $249.00 |
Maryland | $331.72 |
Massachusetts | $358.68 |
Michigan | $383.21 |
Minnesota | $214.02 |
Mississippi | $302.96 |
Missouri | $259.65 |
Montana | $254.90 |
Nebraska | $223.50 |
Nevada | $293.78 |
New Hampshire | $281.70 |
New Jersey | $365.23 |
New Mexico | $267.48 |
New York | $358.45 |
North Carolina | $264.58 |
North Dakota | $227.44 |
Ohio | $252.21 |
Oklahoma | $298.21 |
Oregon | $212.47 |
Pennsylvania | $307.31 |
Rhode Island | $377.06 |
South Carolina | $247.62 |
South Dakota | $200.10 |
Tennessee | $290.39 |
Texas | $340.51 |
Utah | $254.41 |
Vermont | $278.38 |
Virginia | $264.70 |
Washington | $250.13 |
West Virginia | $319.10 |
Wisconsin | $209.93 |
Wyoming | $270.48 |
Countrywide Average | $299.73 |
Get Your Rates Quote Now |
Comprehensive – Comprehensive insurance covers damage to your car that isn’t caused during an accident. Some examples of what might be covered under a comprehensive policy are hail damage, theft, and vandalism. It will also cover you if your car is stolen. Below you can see state averages for comprehensive coverage.
States | Average Annual Comprehensive Auto Insurance Rates |
---|---|
Oregon | $89.66 |
Maine | $96.66 |
California | $99.29 |
Hawaii | $100.09 |
New Hampshire | $103.03 |
Washington | $104.11 |
Utah | $106.57 |
Florida | $110.12 |
Idaho | $110.78 |
Ohio | $112.74 |
Delaware | $113.23 |
Indiana | $115.02 |
Nevada | $116.79 |
Illinois | $117.98 |
Vermont | $118.31 |
Rhode Island | $122.17 |
North Carolina | $123.00 |
New Jersey | $123.18 |
Connecticut | $126.02 |
Wisconsin | $126.34 |
Massachusetts | $128.92 |
Virginia | $129.89 |
Kentucky | $130.15 |
Pennsylvania | $132.01 |
Tennessee | $135.62 |
Countrywide | $138.87 |
Alaska | $141.08 |
Alabama | $146.28 |
Maryland | $146.77 |
Michigan | $147.02 |
Georgia | $153.61 |
New York | $156.66 |
Colorado | $158.34 |
South Carolina | $165.38 |
Missouri | $166.34 |
New Mexico | $166.89 |
Iowa | $171.58 |
Minnesota | $173.04 |
Arkansas | $183.36 |
Arizona | $184.20 |
Texas | $186.70 |
Mississippi | $194.74 |
West Virginia | $195.04 |
Montana | $199.87 |
Oklahoma | $201.56 |
Nebraska | $206.24 |
Louisiana | $208.59 |
Wyoming | $222.86 |
Kansas | $225.34 |
North Dakota | $227.64 |
South Dakota | $228.59 |
District of Columbia | $230.25 |
Get Your Rates Quote Now |
Medical Payments – Medical payments cover necessary medical and funeral costs for yourself and your passengers in the event of an accident.
AutoMaster® Package Endorsement (ACIC states) – According to the MAPFRE website, AutoMaster coverage includes:
- 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 – If you need a rental car because of an accident, substitute transportation coverage will cover that cost.
Towing and Labor – When it comes to tow trucks or basic repairs on the side of the road, towing and labor coverage would help cover the cost of those services.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Honey717
Great Company
Pat41rogers
Horrible company. They try to scam you
musclecars
Great Company if you Never File a Claim
nicollai
American Commerce review
sbrodeur92
Car Insurance
WhyThisWTF
Insurance that works
mine88
great company
929sunshine
American Commerce Insurance is Outstanding
luiss
Greats
Agentmeow
Precautions in adding a vehicle