Farmers vs MAPFRE: which is better for car insurance in 2026?
Across our six scoring categories, Farmers comes out ahead in 1, MAPFRE in 3, with 2 too close to call. MAPFRE edges the weighted overall score by 1.3 of a point, on the strength of price, complaint record, discounts. That is not a reason to skip Farmers: it scores higher on digital experience, and a quote that comes in lower beats a review that scores higher. MAPFRE is the safer default; Farmers is worth a quote if you are among drivers who want an agent and have specific coverage needs farmers can meet.
Farmers 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 Farmers's $4,048/yr — about $2574 a year, or 214.5 dollars a month, in MAPFRE's favor for this profile.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
$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: Farmers posts 690/1,000 and MAPFRE Not rated, a difference too small to choose on.
690 out of 1,000, ten points below the segment average.
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
MAPFRE aheadMAPFRE takes complaint record on Fewer than expected against Farmers's About the expected number.
Close to the number of complaints expected for its size.
Fewer complaints than its size predicts.
Financial strength
Too close to callNeither pulls ahead on financial strength: Farmers posts A and MAPFRE A, a difference too small to choose on.
AM Best A (Excellent).
AM Best A (Excellent). The US arm is owned by MAPFRE S.A. of Spain.
Discounts
MAPFRE aheadMAPFRE takes discounts on 9 published against Farmers's 10 published*.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Nine published discounts, though MotionSmart — the telematics program — is offered in Massachusetts only.
Digital experience
Farmers aheadFarmers takes digital experience on 4.84 iOS / 4.7 Android against MAPFRE's 4.40 iOS / 4.1 Android.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
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 Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- You would rather handle everything in an app than on a phone call.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
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 want the lower complaint record — MAPFRE sits at Fewer than expected.
- You expect to stack discounts — MAPFRE's lineup is the broader of the two.
Farmers vs MAPFRE, answered
The questions people ask before switching between these two.
Other comparisons
See all 359 head-to-head comparisons →Compare real quotes from both — and 50+ others.
Averages are a starting point. Your rate is the only number that decides it.