Hallmark Auto provides high-risk and international drivers state minimum insurance at affordable prices.
Who Benefits Most and Least from Hallmark Insurance?
- International drivers who may have trouble securing an affordable policy through other insurance providers
- Those who prefer to work with an independent agent rather than directly through a company
- High-risk drivers in Montana, Nevada, Arizona, New Mexico, Texas, Oklahoma, Arkansas, Tennessee, Indiana, and Ohio
Not the Best For…
- Anyone who wants mobile app account management for their car insurance policy
- Drivers who want access to a dedicated customer service and claims processing phone line, directly through their provider
Hallmark: Affordable non-standard insurance for Sunbelt states
Hallmark Personal Auto Insurance is a subsidiary of Hallmark Financial Group. Based in Dallas, Texas, auto policies are available in 10 states in the continental U.S. It is financially stable, with an A- rating from A.M. Best.
High-risk and international drivers, in particular, can take advantage of Hallmark’s policy offerings and range of discounts with options for SR-22 drivers, and those with international driver’s licenses and Matricula IDs.
Although Hallmark staffs a central customer service line and online chat, policyholders must primarily deal with an independent agent to purchase and manage their policy. Reviews note that this has been the root of some miscommunication about coverage details. We advise that policyholders prioritize their agent as the point of contact.
Hallmark Car Insurance Quotes and Discounts
Car insurance quotes are based on a variety of factors, like your age, driving history, ZIP code, and vehicle. Over time, different companies may be able to meet your unique insurance needs at different price points.
Unless you regularly compare quotes, you could be missing out on getting the best price for your unique insurance needs. Getting in the habit of comparing companies will help you save money on the policy that works for you.
Drivers Can SAVE with these Discounts from Hallmark
Hallmark Personal Auto Insurance offers many discounts typically offered by non-standard insurers. However, the company’s bare-bones website doesn’t offer much detail about how much those discounts could save you.
Protecting more of your property with a Hallmark policy can save you with multi-car, multi-policy, and homeowner discounts. Setting up recurring payments and having prior coverage also come with discounts of their own. Hallmark offers Renters and Personal Aviation policies that can be bundled with your auto insurance policy for an additional price reduction.
- Multi-car discount
- Multi-policy discount
- Recurring Payment discount
- Homeowner discount
- Prior coverage discount
- Foreign driver’s license discount
States Where Hallmark Car Insurance is Offered
Hallmark offers personal auto insurance policies in 10 Sunbelt and Midwestern states: Arizona, Arkansas, Indiana, Montana, Nevada, New Mexico, Ohio, Oklahoma, Tennessee, and Texas. Coverage options and discount qualifications depend on your state’s minimum liability requirements, so contacting an agent is the best way to find out if you can get what you need in your state.
Click here to find the cheapest car insurance quotes in your state.
Hallmark Auto Insurance Coverages
- Full Coverage: The standard policy offered by Hallmark, Full Coverage includes collision, comprehensive, and liability coverage. This generally meets state minimum insurance coverage requirements, but amounts may vary. With Full Coverage, physical damage to your vehicle—whether from another car or an object like a falling tree, and property damage and bodily injury to other parties are covered in your policy.
- Non-Owner Car Insurance: When you don’t have a car but still need insurance, a non-owner policy can keep you covered. This policy would satisfy SR-22 requirements, but is also a good option for drivers who hope to own a car in the future, and want to avoid a lapse in coverage now.
- Uninsured Motorist Coverage: Available for both Property Damage and Bodily Injury in certain states, Uninsured Motorist coverage protects you when another at-fault driver lacks the coverage needed to pay for the damage they’ve caused to you or your vehicle.
- Medical Payments: A Full Coverage policy will help pay for injuries sustained by other parties, but adding on Medical Payments coverage will help pay for your own medical bills after an accident.
- Towing and Labor: According to user reviews, Towing and Labor coverage through Hallmark is offered through reimbursement only. Be prepared to front the cost of these services, even if you take out the additional coverage, and save your receipts.
- Rental Reimbursement: When you need to keep moving after an accident, Rental Reimbursement coverage helps pay for the cost of a rental vehicle. It’s important to note that there may be amount or time limits, so discuss the details with your agent to get the full picture.
Other Special Auto Coverages Offered by Hallmark Insurance
Drivers who need SR-22 insurance can get a policy through Hallmark to satisfy this requirement.
In addition to providing policies to high-risk drivers, Hallmark also caters to international drivers in the US: holders of international driver’s licenses or Matricula IDs could also secure minimum required coverage in certain states.
Other Insurance Products Offered by Hallmark Insurance
Hallmark Financial specializes in non-standard insurance across the board, including for its renters insurance policies.
Renters Insurance is currently available in Arizona, Arkansas, Nevada, New Mexico, Oklahoma, Tennessee, and Texas. With a multi-policy discount, combining a renters policy with your auto insurance can save you money. Coverage options include broad form and personal liability.
How Can I Buy Auto Insurance from Hallmark?
While you can get a quote online, policies are only sold through independent agents. Even though there is a main customer service line, your agent should be your primary point of contact for any specific questions about your Hallmark auto insurance policy.
How Can I Pay for My Hallmark Car Insurance Policy?
Hallmark policyholders can make payments online, by phone, or by mail.
To pay by phone, you can call the customer service line at 1 (800) 486-5616. Both debit and credit card payments are accepted by phone.
Although mail-in payment is an option, specific details of where to send payments are not available online. Customer service advises calling the general line to find out where to send check payments.
If you prefer to pay online, it’s as simple as logging into your account via the company website. Select “Insured Login” from the Personal Auto homepage, and you will be directed to your account details.
How Often Will Hallmark Increase My Premiums?
Car insurance premiums can increase after changes to your driving record like an accident, DUI, or excessive speeding tickets. You might also see an increase if you’ve moved to a new area that is deemed higher risk due to population density or construction.
How Does Hallmark’s Claims Process Work?
If you’ve been in an accident and have a policy with Hallmark, you can easily report your claim via a comprehensive online form.
The online form has specific questions to guide you through all of the required information that will kick off your claim processing. Before you get started, make sure you have your policy number, vehicle information, and names of involved and injured parties handy for easy claim notice submission.
You can also get in touch with the claims center by phone by calling 1 (800) 486-4255, by fax at 1 (469) 298-5750, or by sending an email to firstname.lastname@example.org.
How Can I Cancel My Hallmark Car Insurance Policy?
If you’ve decided to cancel your Hallmark Car Insurance policy, you’ll want to get in touch with your agent to begin the process. Your agent can guide you through the cancellation and answer any specific questions you have about your account or the cancellation timeline overall.
Online reviews warn of delayed or missing refund payments, so be sure to ask questions about the timeline and amounts of any pending refunds, when applicable.
Having consistent coverage not only protects you and your vehicle but also can lead to discounts with many insurance agencies when you’re ready to switch. Before you cancel your policy, make sure to line up another to avoid a lapse in coverage.
How Much Does Uber/Lyft Coverage Cost with Hallmark?
While Hallmark does offer commercial auto policies, passenger vehicles are excluded from that category. There is not a policy option specifically for Uber or Lyft drivers, so if you need that coverage, Hallmark may not be the best fit for you.
Insurance Companies Similar to Hallmark
Like many non-standard auto insurers, Hallmark only writes policies in limited states. Similar regional companies include The General and Kemper Auto, which both cater to the non-standard market. However, these companies give policyholders the option to work directly with the company or purchase a policy through an independent agent.
According to Insurify’s internal database of over two million car insurance applications and analysis of external sources, policyholders who switched to Hallmark most often came from the following insurance companies:
- State Farm
- The General
Drivers who previously held Hallmark auto insurance policies and decided to change providers most often switched to the following companies:
Hallmark Customer Satisfaction and Policyholder Reviews
Hallmark reviews are a mixed bag. Happy customers like having access to their account documents online, and some are satisfied with the customer service:
Others who have had claims with the company are less thrilled with customer service, and highlight delays in communication and payments processing:
Hallmark Mobile App Review
Currently, there is no mobile app for Hallmark Auto Insurance. However, customers can view their account details online by logging into their Insured profile.
Frequently Asked Questions: Hallmark Car Insurance
How do I file a claim with Hallmark?
If you’ve been involved in an accident, you can file a claim using the online form through Hallmark’s website. The form has fields for specific questions about your accident. Before jumping online, make sure you have your policy number and details about the accident ready for reference.
What forms of payment does Hallmark take?
Hallmark accepts debit and credit cards, checks, money orders, and EFTs. When it’s time to pay your Hallmark bill, you can pay online, by mail, or by phone using one of these methods.
How can I find my Hallmark policy number?
If you need your Hallmark policy number, you can easily access it by logging into your online account. Once you’re on the Hallmark Personal Lines website, select “Insured Login.” From there, you’ll be able to access your full account details.
Is Hallmark the cheapest car insurance in your area?
With basic discounts like multi-policy, payment frequency, and prior coverage available, high-risk drivers can get a good deal on cheap car insurance with Hallmark. But that doesn’t mean it’s the best option out there.
The only way to ensure that you’re getting the cheapest policy you can is to compare car insurance quotes from multiple companies. Your unique needs and driving history could lead to a better rate with another company.
Use Insurify today to Browse, Compare, Discover up to 10+ car insurance quotes that are ready to buy and fit your unique driver profile!
Hallmark Auto Insurance Overview
Hallmark Personal Auto Insurance is a subsidiary of Hallmark Financial Services, Inc., and is based in Dallas, Texas. It is financially stable, with an A- (“Excellent”) rating from A.M. Best and an A+ rating from the Better Business Bureau (BBB).
Catering to high-risk and international drivers, SR-22 drivers and holders of international driver’s licenses can get coverage through Hallmark.
Hallmark Insurance Company has limited online presence and resources and is only available for purchase through independent insurance agents.
Hallmark Contact Information
|Customer service phone number||1 (800) 486-5616|
|Policy and Agency services email@example.com|
|Policy services fax number||1 (800) 876-6960|
|Claims services fax number||1 (469) 298-5750|
|Mailing address||Hallmark Specialty Personal Lines, P.O. Box 250209, Plano, Texas 75025|
|Headquarters address||Two Lincoln Centre, 5420 Lyndon B. Johnson Freeway Suite 1100, Dallas, Texas 75240-2345|
|Headquarters phone number||1 (817) 348-1600|