Lemonade vs MAPFRE: which is better for car insurance in 2026?
Across our six scoring categories, Lemonade comes out ahead in 0, MAPFRE in 1, with 5 too close to call. There is no overall score to compare, though: Lemonade does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. MAPFRE is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Lemonade 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
Too close to callLemonade does not release public rate data, so there is no like-for-like premium to set against MAPFRE's $1,474/yr. That is a real gap in the comparison, not a rounding error — treat Lemonade's price as unknown until you have a quote in hand.
Lemonade is not included in the rate study behind every other premium in this review.
$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: Lemonade posts Not rated and MAPFRE Not rated, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
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 Lemonade's Far more than expected.
Far more complaints than expected for its size.
Fewer complaints than its size predicts.
Financial strength
Too close to callNeither pulls ahead on financial strength: Lemonade posts Not published and MAPFRE A, a difference too small to choose on.
No AM Best rating we could verify. Demotech affirmed an A' (A-prime) rating in June 2026 — a real assessment, but from a different agency on a different scale, so not comparable to the AM Best ratings shown elsewhere here.
AM Best A (Excellent). The US arm is owned by MAPFRE S.A. of Spain.
Discounts
Too close to callNeither pulls ahead on discounts: Lemonade posts Not published and MAPFRE 9 published, a difference too small to choose on.
No discount list we could read on Lemonade's own site.
Nine published discounts, though MotionSmart — the telematics program — is offered in Massachusetts only.
Digital experience
Too close to callNeither pulls ahead on digital experience: Lemonade posts Not published and MAPFRE 4.40 iOS / 4.1 Android, a difference too small to choose on.
No app-store figures we could verify from a primary source.
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 Lemonade if…
- You are among low-mileage drivers already using lemonade for renters or home.
- Availability fits: 10 states.
Pick MAPFRE if…
- You are among new england drivers who want the lowest average premium here.
- You want the lower complaint record — MAPFRE sits at Fewer than expected.
- Availability fits: 11 states, concentrated in Massachusetts and New England.
Lemonade vs MAPFRE, answered
The questions people ask before switching between these two.
Other comparisons
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Averages are a starting point. Your rate is the only number that decides it.