Auto Insurance
Personal insurances for you and your vehicle. You can choose the insurance that suits you most and expand it at your convenience.
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Buying a vehicle involves much more than choosing the make and model. It also means finding the right insurance policy. At MAPFRE we have at your disposal a large variety of auto insurance policies to protect your vehicle against physical damages or your responsibility to pay damages when you turn out to be liable for bodily injuries or damages to third party property.
Our auto insurances
Extended Warranty
Auto insurance that covers mechanical breakdowns, repair or replacement of different elements of the vehicle, once the warranty offered by the vehicle manufacturer expires. It also includes car rental, high quality roadside assistance, tire services and locksmith services. The contract lasts for 10 years from the original registration date of the car or 100,000 miles on the odometer, whichever comes first.
Public Liability Insurance
With this public liability insurance, the compulsory insurance cover can be extended, which only covers damages up to $4,500 to third party cars, not providing cover for damage to third party property or bodily injury. With this extension, the basic coverage of bodily injuries or damages caused to a third party is extended, as well as access to optional covers such as medical or funeral expenses, roadside assistance, gasoline delivery, tire change and service. locksmith.
Full Cover Insurance
With the Full Cover policy you will have total protection, with public liability coverage such as damage to the car. It covers the direct damages and losses to the insured car and the bodily injuries or damages caused to a third party. In addition, it includes optional coverage such as medical expenses, the most complete road assistance and reimbursement for vehicle rental for an additional premium.
Compulsory Liability Insurance
Compulsory insurance is a mandatory public liability insurance required by the government of Puerto Rico for all private cars that transit in Puerto Rico. This compulsory insurance covers damages caused to other vehicles up to $4,000 as a result of a traffic accident.
Expand Your Compulsory Insurance – Autoplus
AUTOPLUS is the perfect alternative to the insurance you buy when paying your tag when compulsory insurance does not give you the peace of mind you need. Extends the limit of legal liability, extending the coverage up to $20,000 to injuries to third parties or damage to the property of other people in the event of an accident. It also includes a full roadside assistance, medical expenses cover and legal defense. All these benefits from only $36 * per year, in addition to the $99 of the tag.
Roadside Assistance Insurance
There are unforeseen situations that arise while driving our vehicle on the roads of the country. So that you can solve this type of situation in MAPFRE we have created the Road Assistance insurance, which gives you immediate assistance when you need it the most. We offer the most complete service in road assistance for your car, 24 hours a day, 7 days a week.
Customer reviews about car insurance
It was my first time visiting this insurance company because I had a car accident, and they treated me very well—from the security guard who gave me directions to the attentive staff.
Multiservicar
Today I went to MAPFRE to get insurance for my car, and the service was fast and excellent.
MAPFRE Seguros San Juan
Top-notch service. They inspected the car thoroughly and paid on the same day.
MAPFRE Seguros Mayagüez
They handle our home and auto insurance. On one hand, their prices are reasonable. Plus, it’s very pleasant to deal with them, and they genuinely strive to be helpful.
MAPFRE Seguros Arecibo
FAQ about Auto Insurance
How to calculate the price of Car Insurance?
You can calculate the price of your car insurance in just a few steps. Get a free quote by entering your personal and vehicle details into our car insurance quote tool and receive a price tailored to your budget and needs. The final price depends on several factors: the type of coverage you choose (mandatory, liability, or Full Cover), the vehicle’s value, make, and model, the selected deductible, and any optional coverages you add, such as roadside assistance, medical expenses, or GAP. With Mapfre’s car insurance calculator, you can get an online quote 24/7 with no obligation, or request a car insurance quote in Puerto Rico through an authorized representative.
How do I know what kind of Car Insurance I have?
To find out what insurance your car has, you can access the Office of the Insurance Commissioner or visit www.ocs.pr.gov, where information about your active policy is recorded. You can also confirm it by reviewing your policy declarations page, which shows the insurer, policy number, coverages purchased, and their effective dates. If you are a Mapfre client, you can access this information at any time through the Customer Area or the “Mis Seguros” app, where you can view and download your documents. If you have questions about your coverage or want to review it, your agent or authorized representative can help you understand how your policy works and what protection you actually have.
What is a car insurance deductible?
What is the GAP of a car?
In insurance, GAP has nothing to do with the clothing brand it is a coverage that protects your finances when you finance a vehicle. GAP covers the difference between the car’s actual cash value and the remaining loan balance in case of total loss or theft. For example, if your car is worth $17,000 but you still owe $30,000, GAP covers the $13,000 difference, preventing you from continuing to pay for a car you no longer have. It is especially useful for new vehicles, which depreciate quickly in the first few years. Before purchasing, you can get an online quote to evaluate whether it’s worth adding.
What is included in car insurance?
Car insurance can combine various coverages depending on the level of protection you want. The most common include collision coverage, which pays for damage to your car after an accident regardless of fault (up to its actual cash value, minus the deductible), and comprehensive coverage, which covers non-collision events such as theft, vandalism, flooding, or fire. You can also add liability coverage, which covers bodily injury and property damage to third parties, roadside assistance, and GAP coverage. At Mapfre, we can help you choose the right options for your needs, and you can get an online quote with no obligation.
What does roadside assistance include and when does it apply?
Mapfre’s Roadside Assistance operates 24/7 and is activated when your vehicle breaks down or is involved in an accident and cannot continue. Services include towing (up to $200 per occurrence), extraction (up to $125), transportation to your residence, tire changes, jump-starts if the battery is dead, locksmith services if you lock your keys inside, and fuel delivery. This coverage can be added starting at $39 per year for the first vehicle and $25 for additional ones, and can be requested at any time during your policy term. Before purchasing, you can get an online quote.
Can I manage my policy from my phone or an online portal?
Yes. Mapfre offers the “Mis Seguros” app (available for iPhone and Android) and an online Customer Area designed so you can manage your car insurance without visiting an office. From there, you can view and download policy documents, review coverages, make payments through the Mapfre Payment Center, report claims and track them, locate offices, and request changes. It’s a convenient and secure way to access your information anytime. If you’re not yet a client, you can also get a quote and purchase your policy online.
Are there additional services if I have an accident or breakdown?
Yes. Beyond coverage, Mapfre supports you throughout the entire post-incident process. If you experience a breakdown or accident, 24/7 Roadside Assistance will send help. To manage damages, you can report your claim online and track its progress via the Customer Area or the “Mis Seguros” app. Mapfre also has a network of authorized repair shops to streamline repairs. Understanding how car insurance works and the claims process helps you stay calm when you need it most.
Does the policy include a rental car or transportation reimbursement while my vehicle is being repaired?
It may, depending on the option you choose. Mapfre’s Full Cover policy offers rental reimbursement as an optional coverage for an additional premium, designed for when your car is in the shop. The Extended Auto Warranty product may also include rental benefits, along with roadside assistance and tire and locksmith services. Be sure to review the limits and conditions, as not all policies include this by default. You can request a quote in Puerto Rico to compare options.
Are there exclusive programs or services for policyholders?
As a Mapfre policyholder, you gain access to several services beyond pricing considerations. These include 24/7 Roadside Assistance across the island, a wide network of authorized repair shops, the “Mis Seguros” app and Customer Area for self-service, the Mapfre Payment Center, and digital vouchers. You also benefit from an extensive network of offices, agencies, and authorized representatives, plus a contact center available daily. Products like Extended Auto Warranty add extra benefits such as rental cars and tire services.
What practical advantages do I get by combining my policy with online tools?
Combining your policy with Mapfre’s digital tools means more convenience and control. Using the “Mis Seguros” app and Customer Area reduces phone calls and speeds up tasks: you get instant access to your documents, can pay online, report claims, and track progress on your schedule. This self-service approach gives you more autonomy and simplifies any process, from inquiries to coverage changes. And if you’re thinking about switching insurance, you can first get an online quote and purchase your policy within the same platform.
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