MAPFRE vs State Farm: which is better for car insurance in 2026?
Across our six scoring categories, MAPFRE comes out ahead in 2, State Farm in 3, with 1 too close to call. On our weighted overall score the two finish within 0.1 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. MAPFRE is the stronger pick for new england drivers who want the lowest average premium here; State Farm for drivers who want a local agent rather than an app.
MAPFRE vs State Farm, 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 State Farm's $2,065/yr — about $591 a year, or 49.3 dollars a month, in MAPFRE's favor for this profile.
$1,474 a year for full coverage — 37% below the national average and the lowest figure of any carrier we review, USAA included.
At $2,065 a year for full coverage, State Farm sits about 12% under the national average — competitive, but not the cheapest of the national carriers.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: MAPFRE posts Not rated and State Farm 716/1,000, a difference too small to choose on.
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.
716 out of 1,000 in the J.D. Power 2025 claims study puts State Farm comfortably above the 700-point segment average, and ahead of every other insurer in the top four by market share.
Complaint record
MAPFRE aheadMAPFRE takes complaint record on Fewer than expected against State Farm's About the expected number.
Fewer complaints than its size predicts.
State Farm draws about the number of complaints its size predicts. For the largest personal auto insurer in the country, average is a more meaningful result than it sounds.
Financial strength
State Farm aheadState Farm takes financial strength on A++ against MAPFRE's A.
AM Best A (Excellent). The US arm is owned by MAPFRE S.A. of Spain.
AM Best's top rating, A++. State Farm is a mutual company owned by its policyholders, with no shareholders to pay.
Discounts
State Farm aheadState Farm takes discounts on 11 published against MAPFRE's 9 published.
Nine published discounts, though MotionSmart — the telematics program — is offered in Massachusetts only.
Eleven published discounts, including a 25% good-student discount and up to 40% off medical coverage for passive restraints. Drive Safe & Save pairs the app with a mailed Bluetooth beacon.
Digital experience
State Farm aheadState Farm takes digital experience on 4.79 iOS / 4.6 Android against MAPFRE's 4.40 iOS / 4.1 Android.
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.
4.79 on the App Store and 4.6 on Google Play across 1.7 million combined ratings — consistently strong on both platforms, which is rarer than it should be.
So which one?
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.
- Availability fits: 11 states, concentrated in Massachusetts and New England.
Pick State Farm if…
- You are among drivers who want a local agent rather than an app.
- Financial strength is a priority; State Farm holds A++ from AM Best.
- You expect to stack discounts — State Farm's lineup is the broader of the two.
- You would rather handle everything in an app than on a phone call.
MAPFRE vs State Farm, answered
The questions people ask before switching between these two.
Other comparisons
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