This MAPFRE / Commerce Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009-2014), the home & auto insurance complaints for the subsidiary companies of MAPFRE / Commerce insurance group, to determine whether each subsidiary, such as American Commerce Insurance Company or Commerce Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.
In addition to reviewing & rating its most recent six year complaint record, I’ll analyze the change in the JD Power home & auto insurance scores & ratings for the Commerce / MAPFRE insurance companies from 2012 to 2015, and compare them to the scores of leading competitors, like State Farm, Allstate, Farmers, Progressive, & GEICO. I’ll review the AM Best Financial Strength ratings for the Commerce / MAPFRE subsidiaries, too.
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I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how MAPFRE / Commerce Insurance and other major insurance companies perform in the future.
MAPFRE / Commerce Auto & Homeowners Insurance Review
The MAPFRE USA Group of Companies actively writes personal lines property and casualty insurance in sixteen states across the country, and consists of the following subsidiary companies: The Commerce Insurance Company, American Commerce Insurance Company, Citation Insurance Company (MA), Commerce West Insurance Company, MAPFRE Insurance Company of Florida, MAPFRE Insurance Company, & MAPFRE Insurance Company of New York. The Commerce Insurance Company subsidiary is a very large insurer of autos & personal use trucks in Massachusetts. MAPFRE USA partners with a network of more than 4,200 independent insurance agents and brokers to sell its auto & home insurance, some located in AAA (American Automobile Association) offices, throughout the states where MAPFRE USA operates: Arizona, California, Connecticut, Florida, Idaho, Indiana, Kentucky, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, Tennessee, & Washington.
This MAPFRE / Commerce Insurance Companies review is divided into four sections, considering its: 1. AM Best Financial Strength Ratings 2. JD Power insurance customer & claims satisfaction scores & ratings for Commerce / MAPFRE compared to competing companies 3. auto & home insurance customer complaint record over the last five years, and 4. competitiveness of its auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Ratings for the Commerce / MAPFRE Insurance Companies
These Commerce / MAPFRE companies (Commerce Insurance Company, American Commerce Insurance Company, Citation Insurance Company (MA), Commerce West Insurance Company, MAPFRE Insurance Company of Florida, MAPFRE Insurance Company, & MAPFRE Insurance Company of New York) had their A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 04/30/2015, and has maintained this rating since 2012 or longer. A is the third highest rating for AM Best.
MAPFRE Life Insurance Company has the lower AM Best financial strength rating of A- (Excellent) reaffirmed on 04/30/2015 with a stable outlook, a rating it has maintained since 2014, after having a higher rating of A+ in 2012. A- is the fourth highest rating for AM Best. I become concerned with any auto, home, or life insurance company / subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Commerce / MAPFRE companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto, life, or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Other major auto & home insurance companies may have a higher or lower financial strength rating than the Commerce / MAPFRE companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
2. Commerce / MAPFRE JD Power Auto & Home Insurance Ratings for 2012, 2013, 2014, 2015, & 2016
This section of the review will analyze the JD Power ratings & numerical scores for Commerce / MAPFRE, in all the JD Power insurance studies where the company was included from 2012 to 2015, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company.
I’ll compare the numerical scores (instead of the power circle rating) for Commerce / MAPFRE auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2016) where it was rated. Commerce / MAPFRE was included in the following annual JD Power insurance studies:
The Annual JD Power Auto Insurance Customer Satisfaction Study
The Annual JD Power Auto Insurance Claims Satisfaction Study
The Annual JD Power Property Claims Satisfaction Study
You can scroll down to read my analysis or summaries of the studies most interesting to you.
The Annual JD Power Auto Insurance Customer Satisfaction Study
Commerce / MAPFRE is usually rated in only one (the New England region) of the eleven regional studies composing the annual JD Power US Auto Insurance Customer Satisfaction Study, and is most representative of the auto insurance customer satisfaction of its policyholders in the New England states, particularly Massachusetts. If, for example, your cars are insured with American Commerce Insurance Company in Oregon, you should pay more attention to the performance of Commerce / MAPFRE in the Annual JD Power Auto Insurance Claims Satisfaction Study I analyze below, which surveyed Commerce / MAPFRE auto insurance customers nationally.
New England Region (CT, ME, MA, NH, RI, VT), called the Northeast Region in the 2012 study covering CT, ME, MA, NH, RI, VT, and NY
2015: Commerce / MAPFRE scored 27 points (on a 1,000 point scale) or 2.7% below the 2015 New England region average, at 774 out of 1,000 points. Commerce / MAPFRE was the lowest scoring company in the 2015 New England Region study.
Here is how Commerce / MAPFRE rated in the New England Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
Nationwide, Plymouth Rock Assurance, and Arbella scored about the same (within 4 points) as MAPFRE-Commerce in the 2015 New England Region study.
These companies scored 1.2% or more higher than Commerce / MAPFRE in the 2015 New England Region study (from highest scoring company to lowest scoring company): USAA, Amica, State Farm, Allstate, Liberty Mutual, GEICO, Progressive, Hartford, Metlife, Safety, Travelers, and Safeco.
These companies scored lower than Commerce / MAPFRE in the 2015 New England Region study (from highest scoring company to lowest scoring company): None.
2014: Commerce / MAPFRE scored 14 points (on a 1,000 point scale) or 1.4% below the 2014 New England region average, at 781 out of 1,000 points.
Here is how Commerce / MAPFRE rated in the New England Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Three Power Circles (about average)
Interaction: Four Power Circles (better than most)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Three Power Circles (about average)
These companies scored 1% or more higher than Commerce / MAPFRE in the 2014 New England Region study: USAA, Amica, State Farm, Nationwide, The Hartford, Allstate, and Progressive.
These companies scored .5% or more lower than Commerce / MAPFRE in the 2014 New England Region study: Arbella, Travelers, Safety Insurance, Metlife, and The Hanover.
2013: Commerce / MAPFRE scored 21 points (on a 1,000 point scale) or 2.1% below the 2013 New England region average, at 748 out of 1,000 points.
These companies scored 2.7% or more higher than Commerce / MAPFRE in the 2013 New England Region study: USAA, Amica, GEICO, State Farm, The Hartford, Nationwide, Liberty Mutual, Allstate, and Progressive.
These companies scored .4% or more lower than Commerce / MAPFRE in the 2013 New England Region study: Metlife, Travelers, and Safety Insurance.
2012: Commerce / MAPFRE scored 31 points (on a 1,000 point scale) or 3.1% below the 2012 Northeast region average, at 753 out of 1,000 points.
These companies scored 1.4% or more higher than Commerce / MAPFRE in the 2012 Northeast Region study: USAA, Amica, New York Central Mutual, GEICO, Liberty Mutual, State Farm, Progressive, Travelers, and Nationwide.
These companies scored 1.5% or more lower than Commerce / MAPFRE in the 2012 Northeast Region study: The Hanover and Arbella.
New England Region Auto Insurance Satisfaction Summary: Commerce / MAPFRE scored 3.1% , 2.1%, 1.4%, and 2.7% below the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a trend of below average auto insurance customer satisfaction among Commerce / MAPFRE policyholders in the New England region states of CT, ME, MA, NH, RI, and VT.
The Annual JD Power Auto Insurance Claims Satisfaction Study
2015: Commerce / MAPFRE scored 53 points (on a 1,000 point scale) or 5.3% below the 2015 US auto claims satisfaction study average, at 804 out of 1,000 points. Commerce / MAPFRE was the lowest scoring company in the study.
Here is how Commerce / MAPFRE rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:
First Notice of Loss: Two Power Circles (lowest rating)
Service Interaction: Two Power Circles (lowest rating)
Appraisal: Two Power Circles (lowest rating)
Repair Process: Two Power Circles (lowest rating)
Rental Car Experience: Two Power Circles (lowest rating)
Settlement: Two Power Circles (lowest rating)
Overall Auto Claims Satisfaction: Two Power Circles (lowest rating)
These insurance companies scored 2.1% or more higher than Commerce / MAPFRE in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, State Farm, GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, 21st Century, Hanover, Metlife, Automobile Club Group, and Esurance.
These insurance companies scored lower than Commerce / MAPFRE in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): None.
2014: Commerce / MAPFRE scored 53 points (on a 1,000 point scale) or 5.3% below the 2014 JD Power Auto Claims Satisfaction study average, at 804 out of 1,000 points. Commerce / MAPFRE was the lowest scoring company in the study.
Here is how Commerce / MAPFRE rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:
First Notice of Loss: Two Power Circles (lowest rating)
Service Interaction: Two Power Circles (lowest rating)
Appraisal: Two Power Circles (lowest rating)
Repair Process: Three Power Circles (about average)
Rental Car Experience: Two Power Circles (lowest rating)
Settlement: Two Power Circles (lowest rating)
Overall Auto Claims Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.2% or more higher than Commerce / MAPFRE in the 2014 JD Power Auto Claims Satisfaction study: Amica, USAA, Auto-Owners, State Farm, American Family, Auto Club of Southern California, The Hartford, NJ Manufacturers, Erie, Travelers, Mercury, GEICO, Nationwide, Country, Safeco, Allstate, Metlife, Farmers, Progressive, Auto Club, CSAA/AAA NCNU, 21st Century, Liberty Mutual, and Esurance.
These companies scored lower than Commerce / MAPFRE in the 2014 JD Power Auto Claims Satisfaction study: None
2013: Commerce / MAPFRE scored 26 points (on a 1,000 point scale) or 2.6% below the 2013 JD Power Auto Claims Satisfaction study average, at 829 out of 1,000 points.
These companies scored 1.1% or more higher than Commerce / MAPFRE in the 2013 JD Power Auto Claims Satisfaction study: USAA, NJ Manufacturers, Auto Club of Southern California, Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, Nationwide, The Hanover, Safeco, Allstate, Mercury, GEICO, Auto Club, Liberty Mutual, CSAA/AAA NCNU, Progressive, and Metlife.
These companies scored .9% or more lower than Commerce / MAPFRE in the 2013 JD Power Auto Claims Satisfaction study: 21st Century and Esurance.
2012: Commerce / MAPFRE scored 71 points (on a 1,000 point scale) or 7.1% below the 2012 JD Power Auto Claims Satisfaction study average, at 781 out of 1,000 points. Commerce was the lowest scoring company in the study.
These companies scored 2% or more higher than Commerce / MAPFRE in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, State Farm, Allstate, Travelers, CSAA/AAA NCNU, Nationwide, GMAC (Now called National General), Auto club, The Hanover, Liberty Mutual, GEICO, Progressive, Metlife, Safeco, Farmers, Mercury, 21st Century, Encompass, and Esurance.
These companies scored lower than Commerce / MAPFRE in the 2012 JD Power Auto Claims Satisfaction study: None.
Auto Insurance Claims Satisfaction Summary: Commerce / MAPFRE scored 7.1% ,2.6%, 5.3%, and 5.3% below the national average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a trend of significantly below average satisfaction in the national JD Power Auto Claims Satisfaction study.
The Annual JD Power Property Claims Satisfaction Study
2016: Commerce / MAPFRE scored 9 points (on a 1,000 point scale) or .9% below the 2016 US Property Claims Satisfaction study average, at 837 out of 1,000 points. The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015. Commerce / MAPFRE was the lowest scoring company in this study, with most companies scoring much better than Commerce / MAPFRE.
Here is how Commerce / MAPFRE rated in the five factors used to determine its overall property claims satisfaction score in 2016:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Three Power Circles (about average)
Estimation Process: Three Power Circles (about average)
Repair Process: Four Power Circles (better than most)
Settlement: Two Power Circles (lowest rating)
Overall Property Claims Satisfaction: Three Power Circles (about average)
This company scored about the same (three points (.3%) above) as Commerce / MAPFRE in the 2016 US Property Claims Satisfaction study: The Hartford.
These companies scored .6% or more higher than Commerce / MAPFRE in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica, Auto Club of Southern California, USAA, Country, Encompass, Erie, Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, California State Auto Association (CSAA), Farmers, Allstate, Metlife, Travelers, and Auto-Owners.
Homeowners Insurance Claims Satisfaction Summary: 2016 was the first year Commerce / MAPFRE was included in this study, and in spite of its about average rating (three power circles) for overall property claims satisfaction, it scored close to 1 percent lower than average, was the lowest scoring company in the study, and received the lowest rating of two power circles for the very important category of claims settlement amount. The top ten highest scoring companies scored significantly higher than Commerce / MAPFRE.
3. MAPFRE / Commerce Auto & Home Insurance Complaint Statistics & Ratings
Another measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This section of the review will show you if Commerce / MAPFRE auto & home insurance has a better-than-average, average, or below-average complaint record for 2009, 2010, 2011, 2012, 2013 & 2014.
You may really like your auto or homeowners insurance company, or you may have heard from relatives or friends about the insurance companies they think are better, but you never really know how good your insurance company will be, until you have a serious claim. The good news is many insurance companies settle a good portion of their claims in a manner acceptable to the majority of their customers. However, the wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints.
This section of my review provides valuable customer complaint information to help you decide if MAPFRE / Commerce is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.
The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this MAPFRE / Commerce Insurance review are the number of upheld complaints filed against the MAPFRE / Commerce companies with a state’s insurance regulatory authority, adjusted for each subsidiary company’s market share to establish a complaint ratio, as determined by the National Association of Insurance Commissioners NAIC. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the most recent last three years or longer.
Don’t worry about comparing complaint ratio numbers, I devised a rating system to help you identify if a Commerce / MAPFRE subsidiary has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as a very small market share.
Commerce / MAPFRE has seven subsidiary companies insuring cars and/or homes in the USA, mainly from the acquisition of other insurance companies, and each has its own operations with its own complaint statistics and rates. So, if you are insured with a Commerce / MAPFRE company, you should check your policy or insurance ID card to know the name of the subsidiary company insuring you, to check the proper complaint data. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different lines of insurance, such as business insurance or motorcycle insurance. MAPFRE USA has different subsidiaries mainly due to the purchase of other insurance companies over the years, such as Commerce Insurance, and some operate in the same states, so multiple MAPFRE subsidiaries may be available to you.
I. Commerce / MAPFRE Auto Insurance Customer Complaints
MAPFRE / Commerce has six subsidiary companies insuring private passenger vehicles in the states where the group of MAPFRE insurance companies sell auto insurance. Here is the auto insurance complaint record for each subsidiary:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (.86)
2015 US auto insurance premium = $211,112,952
2014 Auto Insurance Complaint Ratio = B (.71)
2014 US auto insurance premium = $181,263,513
2013 Auto Insurance Complaint Ratio = C+ (.92)
2013 US auto insurance premium = $178,467,557
2012 Auto Insurance Complaint Ratio = C- (1.12)
2012 US auto insurance premium = $159,027,605
2011 Auto Insurance Complaint Ratio = C- (1.02)
2011 US auto insurance premium = $176,179,849
2010 Auto Insurance Complaint Ratio = B (.68)
2010 US auto insurance premium = $186,122,768
2009 Auto Insurance Complaint Ratio = B (.60)
The American Commerce Insurance Company subsidiary insures private passenger vehicles in many states, but mostly in Arizona, California, Connecticut, Idaho, Indiana, Kentucky, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, Tennessee, & Washington.
American Commerce Insurance Company has a better than average or about average number of auto insurance complaints each year from 2009 to 2014, with its number of auto insurance complaints in its worst year (2012) at 12% more than the industry average. The auto insurance market share for American Commerce Insurance Company has increased each year since 2012, which may be an indication now has more competitive auto insurance pricing.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.56)
2015 US auto insurance premium = $1,139,736,956
2014 Auto Insurance Complaint Ratio = B (.08)
2014 US auto insurance premium = $1,125,486,712
2013 Auto Insurance Complaint Ratio = B (.12)
2013 US auto insurance premium = $1,134,017,990
2012 Auto Insurance Complaint Ratio = B (.29)
2012 US auto insurance premium = $1,130,027,228
2011 Auto Insurance Complaint Ratio = B (.14)
2011 US auto insurance premium = $1,126,288,411
2010 Auto Insurance Complaint Ratio = B (.26)
2010 US auto insurance premium = $1,052,332,288
2009 Auto Insurance Complaint Ratio = B (.29)
Commerce Insurance Company insures private passenger vehicles in Massachusetts & New Hampshire only, and it’s the largest US auto insurance subsidiary in the MAPFRE / Commerce insurance group. The Commerce Insurance Company subsidiary has an excellent, better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during this period at only 29% of the industry average. The auto insurance market share for Commerce Insurance Company has been flat since 2011, which may mean its auto insurance rates are not very competitive.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (3.04)
2015 US auto insurance premium = $93,660,175
2014 Auto Insurance Complaint Ratio = W (2.93)
2014 US auto insurance premium = $87,425,432
2013 Auto Insurance Complaint Ratio = W (3.75)
2013 US auto insurance premium = $90,128,041
2012 Auto Insurance Complaint Ratio = W (4.17)
2012 US auto insurance premium = $81,047,798
2011 Auto Insurance Complaint Ratio = W (2.77)
2011 US auto insurance premium = $138,630,868
2010 Auto Insurance Complaint Ratio = W (1.52)
2010 US auto insurance premium = $139,480,793
2009 Auto Insurance Complaint Ratio = W (1.27)
Commerce West Insurance Company insures private passenger vehicles in Arizona, California, Oregon, & Washington only. The Commerce West Insurance Company subsidiary has had a consistently worse-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year (2012) during this period at 417% of the industry average. The auto insurance market share for Commerce West Insurance Company is much lower than it was in 2010, and has decreased from 2013 to 2014, which may mean Commerce West Insurance Company no longer has competitive auto insurance rates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $51,344,682
2014 Auto Insurance Complaint Ratio = B (.43)
2014 US auto insurance premium = $49,679,935
2013 Auto Insurance Complaint Ratio = B (.72)
2013 US auto insurance premium = $45,205,639
2012 Auto Insurance Complaint Ratio = B (.23)
2012 US auto insurance premium = $38,235,777
2011 Auto Insurance Complaint Ratio = W (1.26)
2011 US auto insurance premium = $20,298,357
2010 Auto Insurance Complaint Ratio = B (.61)
2010 US auto insurance premium = $27,522,223
2009 Auto Insurance Complaint Ratio = C (1.03)
MAPFRE Insurance Company of New York insures private passenger vehicles in the state of New York only, and it is a smaller auto insurance subsidiary, about 7.5 times smaller than the largest US auto insurance subsidiary in the MAPFRE / Commerce insurance group. MAPFRE Insurance Company of New York had a better than average auto insurance complaint record in each of the last three years. The auto insurance market share for MAPFRE Insurance Company of New York has increased each year since 2011, which may be an indication of competitive pricing or advantages for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (1.60)
2015 US auto insurance premium = $71,271,482
2014 Auto Insurance Complaint Ratio = C- (1.10)
2014 US auto insurance premium = $48,545,682
2013 Auto Insurance Complaint Ratio = W (1.43)
2013 US auto insurance premium = $22,833,594
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $9,397,203
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $6,310,521
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $2,722,071
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
The MAPFRE Insurance Company subsidiary insures private passenger vehicles in Arizona & California only. MAPFRE Insurance Company had a higher than average number of auto insurance complaints in the last two years of 2013 and 2014, but had no auto insurance complaints from 2009 to 2012. The auto insurance market share for MAPFRE Insurance Company increased more than 100% from 2012 to 2013 and more than doubled again from 2013 to 2014, which may be a strong indication of competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C+ (.80)
2015 US auto insurance premium = $14,262,908
2014 Auto Insurance Complaint Ratio = W (3.29)
2014 US auto insurance premium = $6,480,440
2013 Auto Insurance Complaint Ratio = W (3.35)
2013 US auto insurance premium = $6,508,350
2012 Auto Insurance Complaint Ratio = C- (1.24)
2012 US auto insurance premium = $7,150,801
2011 Auto Insurance Complaint Ratio = W (4.10)
2011 US auto insurance premium = $10,385,684
2010 Auto Insurance Complaint Ratio = W (4.94)
2010 US auto insurance premium = $8,571,010
2009 Auto Insurance Complaint Ratio = W (3.96)
MAPFRE Insurance Company of Florida insures private passenger vehicles in Florida only. The MAPFRE Insurance Company of Florida subsidiary has had a consistently higher than average number of auto insurance complaints each year since 2009, with its number of auto insurance complaints in its worst year (2010) during this period at 494% of the industry average. The auto insurance market share for MAPFRE Insurance Company of Florida has decreased each year since 2011, which may be a sign its auto insurance rates are not competitive.
II. Commerce / MAPFRE Homeowners Insurance Customer Complaints
MAPFRE / Commerce insurance group of companies sells home insurance through the six subsidiary companies listed below. Here are the home insurance complaint records for each of the MAPFRE / Commerce subsidiaries:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.63)
2015 US home insurance premium = $126,874,668
2014 Home Insurance Complaint Ratio = W (1.29)
2014 US home insurance premium = $93,205,580
2013 Home Insurance Complaint Ratio = C+ (.90)
2013 US home insurance premium = $86,841,177
2012 Home Insurance Complaint Ratio = C+ (.76)
2012 US home insurance premium = $74,487,645
2011 Home Insurance Complaint Ratio = C+ (.85)
2011 US home insurance premium = $66,760,439
2010 Home Insurance Complaint Ratio = C+ (.79)
2010 US home insurance premium = $57,913,008
2009 Home Insurance Complaint Ratio = B (.56)
The American Commerce Insurance Company subsidiary insures homes in many states, but mostly in Arizona, California, Connecticut, Idaho, Indiana, Kentucky, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, Tennessee, & Washington.
The American Commerce Insurance Company subsidiary had a somewhat lower than average number of home insurance complaints each year from 2009 to 2013, but its number of home insurance complaints in 2014 was 29% more than the industry average. The home insurance market share for American Commerce Insurance Company has increased each year since 2010, which may be an indication of competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.17)
2015 US home insurance premium = $180,895,420
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $167,643,426
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $158,003,272
2012 Home Insurance Complaint Ratio = B (.05)
2012 US home insurance premium = $148,759,164
2011 Home Insurance Complaint Ratio = B (.06)
2011 US home insurance premium = $131,856,053
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $119,994,551
2009 Home Insurance Complaint Ratio = B (.24)
Citation Insurance Company insures homes in Massachusetts only, and has no affiliation with The Citation Insurance Company based in California. Citation Insurance Company (MA) is the largest US home insurance subsidiary in the MAPFRE / Commerce insurance group. The Citation Insurance Company subsidiary has a consistent, much lower than average home insurance complaint history over the last six years, with its number of home insurance complaints, in its worst year during this period, at a low 24% of the industry average. The home insurance market share for Commerce Insurance Company has increased each year since 2010, which may be an indication of competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (1.10)
2015 US home insurance premium = $117,737,187
2014 Home Insurance Complaint Ratio = B (.26)
2014 US home insurance premium = $104,831,637
2013 Home Insurance Complaint Ratio = B (.11)
2013 US home insurance premium = $98,566,115
2012 Home Insurance Complaint Ratio = C+ (.87)
2012 US home insurance premium = $93,122,769
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $84,872,706
2010 Home Insurance Complaint Ratio = B (.33)
2010 US home insurance premium = $83,097,628
2009 Home Insurance Complaint Ratio = B (.44)
Commerce Insurance Company insures homes in Massachusetts & New Hampshire only, and it’s the second largest US home insurance subsidiary in the MAPFRE / Commerce insurance group. The Commerce Insurance Company subsidiary had a lower than average number of home insurance complaints each year since 2009, with its number of home insurance complaints in its worst year during the 2009-2014 period still at 87% of the industry average. The home insurance market share for Commerce Insurance Company has increased each year since 2009, which may indicate Commerce Insurance Company has competitive home insurance rates.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.29) 1
2015 US home insurance premium = $7,721,972
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $6,077,183
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $4,120,182
2012 Home Insurance Complaint Ratio = W (6.16)
2012 US home insurance premium = $2,633,765
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $2,396,363
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $1,748,883
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Commerce West Insurance Company insures homes in Arizona, California, Oregon & Washington, and it is an extremely small home insurance subsidiary, more than 50 times smaller than the largest US home insurance subsidiary in the MAPFRE / Commerce insurance group. This subsidiary’s home insurance market share is so small, only two home insurance complaints in 2012 gave it an extremely high home insurance complaint ratio, 6.16 times higher than the average number of complaints expected, based on its market share. With small subsidiaries like this, you should consider the number of recent years the company has had a worse-than-average complaint ratio, rather than the possibly large number for the complaint ratio. Commerce West Insurance Company has a better-than-average home insurance complaint record in 2009, 2010, 2011, 2013 & 2014, with no home insurance complaints at all in those years. Although this subsidiary has a very small home insurance market share, the home insurance market share for Commerce West Insurance Company has increased each year since 2010, which may be an indication of competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $18,598,554
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $16,362,326
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $13,459,601
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $9,058,888
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $4,507,080
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $5,272,032
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
MAPFRE Insurance Company of New York insures homes in New York state only, and it is a very small home insurance subsidiary, about 15 times smaller than the largest US home insurance subsidiary in the MAPFRE / Commerce insurance group. The MAPFRE Insurance Company of New York subsidiary has a perfect home insurance complaint history, with no home insurance complaints at all in any of the last six years. Although this subsidiary has a very small home insurance market share, even for a subsidiary operating in only one state, the NY home insurance market share for MAPFRE Insurance Company of New York is increasing each year, which may be an indication of competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.47) 2
2015 US home insurance premium = $13,532,704
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $7,071,323
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $2,394,674
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $226,179
The MAPFRE Insurance Company subsidiary insures homes in Arizona & California only. MAPFRE Insurance Company had no home insurance complaints in the last three years from 2012 to 2014. The home insurance market share for MAPFRE Insurance Company has increased each year since this subsidiary started offering homeowners insurance in 2012, which may be an indication of competitive pricing for its home insurance.
4. Commerce / MAPFRE Auto & Home Insurance Rates & Pricing Compared to Competitors
Homeowners Insurance
Commerce / MAPFRE was not included in the JD Power study measuring homeowners insurance customer satisfaction, so there is no JD Power rating for its homeowners insurance pricing. Looking at the growth of homeowners insurance premiums collected each year from 2010 to 2014 (See Section #3) for each Commerce / MAPFRE subsidiary, all subsidiaries, including American Commerce Insurance Company, Commerce Insurance Company, Citation Insurance Company, Commerce West Insurance Company, MAPFRE Insurance Company, and MAPFRE Insurance Company of New York had an increase in home insurance market share during the period, and from 2013 to 2014, to possibly indicate they have competitive homeowners insurance rates, but that does not mean any Commerce / MAPFRE subsidiary will have or not have low homeowners insurance rates for you.
The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Erie Insurance, GEICO, Mercury, and The Hartford.
Auto Insurance
Commerce / MAPFRE received a rating of two power circles (lowest rating) for the states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont in the 2015 JD Power Auto Insurance Satisfaction study. The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Satisfaction study in the same states where Commerce / MAPFRE was rated: USAA, Amica, and GEICO.
Commerce / MAPFRE subsidiaries outside of these New England states may have more competitive rates, and you can check each subsidiary’s auto insurance market growth from 2010 to 2014 in Section #3 of this review, as an indication of each subsidiary’s price competitiveness. The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2015 JD Power Auto Insurance Purchase Experience Study: Ameriprise (available through Costco), CSAA / AAA NCNU, Auto Club Group, Auto Club of Southern California, USAA, Amica Mutual, The Hartford, Liberty Mutual, GEICO, and Erie Insurance.
However, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.