How Do You Contact MAPFRE Customer Service?

Last Updated on October 19, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 19, 2026 How we fact-check

Need help with your MAPFRE policy? The fastest way to reach the right team is to match the contact method to the company name on your declarations page (for example, The Commerce Insurance Company, American Commerce Insurance Company, or MAPFRE Insurance Company) and your state. If you’re researching the company first, see our MAPFRE auto insurance overview.

MAPFRE’s U.S. operations run through several affiliated insurers. Its contact page names six of them: The Commerce Insurance Company, American Commerce Insurance Company, MAPFRE Insurance Company, MAPFRE Insurance Company of Florida, Commerce West Insurance Company and Middle Oak. The page lists numbers for twelve states: California, Connecticut, Florida, Idaho, Maine, Massachusetts, New Hampshire, Ohio, Oregon, Rhode Island, Vermont and Washington. If your state isn’t on that list, use the number on your own policy paperwork or go through your agent.

Match the Number to Your Policy: MAPFRE operates through multiple U.S. subsidiaries, so the right phone number depends on the insurer name and your state.
You Can Start a Claim Online: If you can’t reach a claims rep, use MAPFRE’s online claim form and keep your documentation organized for follow-up.
Agents Still Matter: If you purchased through an agent, they can often help with routing service requests, policy changes, and claim follow-ups.
Escalate the Right Way: Start with a supervisor, document your timeline, and use your state insurance department (via the NAIC directory) if you can’t resolve the issue.

Table Of Contents

Customer Service Quick Help
Does MAPFRE Offer 24/7 Customer Service?
What You Should Have Ready Before You Call
How to Report a Claim
Roadside Help and Towing
How to Get a Quote
How to Escalate a Problem
Does MAPFRE Customer Service Have Good Reviews?
FAQs on MAPFRE Customer Service
Sources

Customer Service Quick Help

What You Need Help With	Best Contact Option	Verified Phone Number (If Applicable)	Notes
Billing, payments, policy service, or a quote (Massachusetts policies)	Call The Commerce Insurance Company service line	1-800-922-8276	Listed under Massachusetts as “Billing, Customer Service and Quote”.
New or existing claim (Massachusetts policies)	Call The Commerce Insurance Company claims line	1-800-221-1605	If it’s urgent, you can also report online.
General customer service (MAPFRE Insurance Company states)	Call MAPFRE Insurance Company	1-877-627-3731	Printed as “1-877-Mapfre1”. Listed for California, Connecticut, Florida, Idaho, Oregon and Washington.
Claims and policy service (American Commerce Insurance Company states)	Call American Commerce Insurance Company	1-877-224-5677	Listed for Idaho, Ohio, Oregon, Rhode Island and Washington.
Report a claim online	Online claim form	—	Report a claim online.
Find an agent or see quote options	Agent/quote locator	—	Find an agent (and available online quote links).
State-by-state phone numbers	Official MAPFRE contact directory	—	MAPFRE contact page by state.
Mailing address	Use the address on your policy paperwork	—	MAPFRE’s contact page prints no mailing address, so use the one printed on your policy documents.
Policy service or claims (Maine and Vermont)	Call The Commerce Insurance Company	1-800-222-2114	The only number listed for those two states.
Auto or home policy (New Hampshire)	Call The Commerce Insurance Company	1-800-513-4813	For policy numbers starting with NH. Dwelling fire policies, numbered CI, use 1-844-627-3734.
Policy service or claims (California and Oregon)	Call Commerce West Insurance Company	1-800-244-1545	Listed for both states.
Florida policies	Call MAPFRE Insurance Company of Florida	1-888-962-7373	Printed as “1-888-9Mapfre”.
Connecticut policies written by Middle Oak	Call Middle Oak	1-844-627-3733	Listed alongside the MAPFRE Insurance Company number for Connecticut.

Does MAPFRE Offer 24/7 Customer Service?

MAPFRE doesn’t publish hours of operation. Its contact page lists phone numbers by state and company and nothing else, so the hours you get depend on which company wrote your policy. For time-sensitive problems like an accident, damage or theft, you can start a claim on MAPFRE’s online form without waiting for a rep, then follow up when your assigned claims team is available.

Tip: If you can’t reach a person right away, start the claim and document the loss (photos, police report number, witness info, and dates/times). Claim follow-ups often happen during normal business hours.

Quick tip: Before you call, grab your declarations page and ID card. The exact insurer name (Commerce, American Commerce, MAPFRE, etc.) determines the correct phone number and claims workflow.

What You Should Have Ready Before You Call

Your policy number (and the insurer name shown on the declarations page)
Your claim number (if you already reported a claim)
The date/time of the incident and where it happened
Driver/vehicle details (VIN helps) and any other parties’ info
Photos, estimates, or repair shop/tow yard information (if applicable)
A short summary of what you’re asking for (billing fix, coverage question, rental, repair status, etc.)

How to Report a Claim

To start a claim, choose the option that matches your policy and state:

Online: Use MAPFRE’s claim reporting form to submit details and supporting documents.
By phone: Use the claims phone number listed for your state on the MAPFRE contact page.
Through your agent: If you purchased through an agent, they can often help you report the claim, confirm coverages, and track next steps.

If you’re not sure what to say or what to document, use this guide on the proper way to file an insurance claim after an accident.

Roadside Help and Towing

Roadside assistance can be an optional coverage and the dispatch number may depend on your policy and state. The safest approach is to use the roadside number shown on your insurance ID card, policy paperwork, or customer account.

In Massachusetts, MassDOT runs a highway roadside assistance program that its own page says is “Sponsored by MAPFRE Insurance”. Patrols cover 34 routes, so whether you get help depends on which road you’re on. The state page gives no phone number, and the patrols find you rather than the other way around.

Quick tip: If your car is towed to a storage lot after a crash, call your insurer or agent as soon as you can—storage fees can add up quickly, and your claims team may help coordinate the next step.

How to Get a Quote

Quote options depend on your state. You can start by contacting a local independent agent (many policy changes and service requests also flow through your agent). You can also use MAPFRE’s locator to find participating agents and see whether online quoting is available where you live.

Open MAPFRE’s agent and quote locator to select your state and get directed to the right quoting or agent option. MAPFRE says it works with more than 4,200 independent agents and brokers, and the locator notes that online quoting “is not yet available in all states”. Its state list is wider than the contact page’s and covers Arizona, Indiana, Kentucky, New Jersey, New York, Pennsylvania, Tennessee and Puerto Rico as well.

How to Escalate a Problem

If you’re stuck in a loop (no call-backs, billing issues not corrected, claim delays without updates), try this escalation path:

Ask for a supervisor and request the response in writing (email or letter).
Follow up with your agent if you bought through an agency—agents can often help route issues to the right department.
Document everything (dates, names, claim numbers, what was promised).
File a complaint with your state insurance department if you can’t resolve the issue. The NAIC provides a state-by-state starting point here: NAIC: File a Complaint.

Note: Rules, timelines, and escalation options vary by state and coverage type.

My advice is to read the insurer name off your declarations page before you dial anything. With six companies under one brand, calling the wrong one is the fastest way to be told you have no policy, and you then have to start the whole call over.

Does MAPFRE Customer Service Have Good Reviews?

Customer service experiences vary widely by claim complexity, state rules, and which MAPFRE-affiliated company issued the policy. To evaluate service trends, focus on third-party sources that separate ratings from reviews (and look at recent patterns, not just a few outliers).

J.D. Power scores auto insurers by region, and MAPFRE’s biggest market sits in its New England region. The catch is that the free press release names only the company that ranked highest in each region, so you can’t see where MAPFRE landed without buying the study. In the 2026 study, Amica topped New England with 702. If you want to understand what those rankings do (and don’t) measure, see our explainer on how J.D. Power auto insurance rankings work. MAPFRE’s BBB profile is more concrete: an A+ rating and accredited status since January 19, 2016, as of October 4, 2026.

Transparency note: Rankings and reviews can change over time. When comparing, check the publication date, your state, and whether the score reflects claims satisfaction, price perception, or overall service.

The release itself is here: J.D. Power 2026 U.S. Auto Insurance Study, published June 9, 2026.

FAQs on MAPFRE Customer Service

What Is the Fastest Way to Reach MAPFRE Customer Service?

Start by identifying the insurer name on your declarations page (for example, The Commerce Insurance Company or American Commerce Insurance Company). Then use MAPFRE’s official contact directory to find the correct phone number for your state and policy type. For Massachusetts policies that is 1-800-922-8276 for billing and service and 1-800-221-1605 for claims.

Does MAPFRE Have Different Phone Numbers by State?

Yes. MAPFRE’s contact page lists numbers for twelve states and names six different underwriting companies, so the right number depends on your state and on which company wrote your policy. If you’re not sure, use the state-by-state contact page and match it to the insurer name on your policy documents.

How Do I Report a Claim After Hours?

MAPFRE doesn’t publish service hours, so you won’t know from its site whether anyone will pick up. Starting the claim on MAPFRE’s online form doesn’t depend on reaching a person. You can also call the claims number listed for your state and policy type, and expect detailed handling and follow-up to happen on a weekday.

What Information Should I Have Ready When I Call?

Have your policy number, the insurer name shown on your declarations page, your claim number (if applicable), the incident date/time/location, and any photos, estimates, or repair shop/tow yard details. Clear documentation helps reduce delays.

Can My Agent Help With Claims and Policy Changes?

Often, yes. If you purchased through an agent, they can help route requests, explain coverages, and assist with claim reporting or follow-up. Some policy changes may still require direct confirmation from the insurer depending on state rules.

How Do I Escalate a Complaint With MAPFRE?

Ask for a supervisor and request a written response. Keep a record of dates, names, and claim/policy numbers. If you still can’t resolve the issue, you can file a complaint with your state insurance department (rules and processes vary by state).

Where Can I Find the Most Up-to-Date Contact Details?

The most reliable source is MAPFRE’s official contact directory and your policy documents (ID card and declarations page). Because numbers differ by state and by underwriting company, the directory is the best place to confirm the right department. It publishes phone numbers only, with no mailing address, email or hours, so use your paperwork for those.

Sources

Checked October 19, 2026