Amica vs MAPFRE: which is better for car insurance in 2026?
Across our six scoring categories, Amica comes out ahead in 2, MAPFRE in 2, with 2 too close to call. MAPFRE edges the weighted overall score by 0.7 of a point, on the strength of price, digital experience. That is not a reason to skip Amica: it scores higher on financial strength, discounts, and a quote that comes in lower beats a review that scores higher. MAPFRE is the safer default; Amica is worth a quote if you are among drivers who will pay more for service and expect to file claims.
Amica vs MAPFRE, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
MAPFRE aheadMAPFRE averages $1,474/yr for full coverage against Amica's $3,167/yr — about $1693 a year, or 141.1 dollars a month, in MAPFRE's favor for this profile.
$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.
$1,474 a year for full coverage — 37% below the national average and the lowest figure of any carrier we review, USAA included.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Amica posts 718/1,000 and MAPFRE Not rated, a difference too small to choose on.
718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.
MAPFRE is not in the J.D. Power claims study, which samples only the largest insurers. That is a permanent absence, not a pending one.
Complaint record
Too close to callNeither pulls ahead on complaint record: Amica posts Fewer than expected and MAPFRE Fewer than expected, a difference too small to choose on.
Fewer complaints than expected for its size.
Fewer complaints than its size predicts.
Financial strength
Amica aheadAmica takes financial strength on A+ against MAPFRE's A.
AM Best A+ (Superior), affirmed March 2026.
AM Best A (Excellent). The US arm is owned by MAPFRE S.A. of Spain.
Discounts
Amica aheadAmica takes discounts on 17 published against MAPFRE's 9 published.
Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.
Nine published discounts, though MotionSmart — the telematics program — is offered in Massachusetts only.
Digital experience
MAPFRE aheadMAPFRE takes digital experience on 4.40 iOS / 4.1 Android against Amica's 4.82 iOS / 3.2 Android.
4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.
4.40 on the App Store across 13,400 ratings and 4.1 on Google Play. Solid, and a far larger rating base than most carriers this size.
So which one?
Pick Amica if…
- You are among drivers who will pay more for service and expect to file claims.
- Financial strength is a priority; Amica holds A+ from AM Best.
- You expect to stack discounts — Amica's lineup is the broader of the two.
- Availability fits: 49 states and D.C. — not available in Hawaii.
Pick MAPFRE if…
- You are among new england drivers who want the lowest average premium here.
- Price is your first filter — MAPFRE averages $1,474/yr for full coverage on our benchmark profile.
- You would rather handle everything in an app than on a phone call.
- Availability fits: 11 states, concentrated in Massachusetts and New England.
Amica vs MAPFRE, answered
The questions people ask before switching between these two.
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