Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Save up to $1,025† by comparing quotes from the top 120+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
If you’re looking for an insurance company that serves drivers with limited coverage needs, fulfills your SR-22 requirement, and welcomes foreign licenses — namely a Matrícula ID — Hallmark auto insurance may be your best option.
But before you leap to buy a policy, it’s worth noting some of its drawbacks. Hallmark’s insurance premiums are higher than the national average. Its ratings are also missing from major insurance-scoring agencies.
Here’s what you need to know about Hallmark Auto Insurance.
Quick Facts
The average monthly cost of a Hallmark policy is $215.
Hallmark auto insurance is available to drivers in seven states in the South and Southwest.
Hallmark offers unique features, like non-owner insurance and short-term coverage.
How Hallmark stacks up
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
2.4 /10
4.1
Best choiceBased on 8 verified guest reviews and ratings
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Hallmark Insurance offers personal auto coverage, renters, personal aircraft, aviation, and commercial insurance. The insurer sells coverage in only nine states. The company offers insurance for drivers who need an SR-22, as well as international drivers, who can even get a discount for having a foreign license. Hallmark specializes in minimum-liability policies but also offers collision and comprehensive coverage. Its optional coverages include non-owner insurance, towing and labor, and rental reimbursement. Hallmark has an A+ rating from the Better Business Bureau.
Pros
Fewer customer complaints
Serves hard-to-insure populations, like foreign drivers
Has discounts for homeowners and people with foreign licenses
Cons
Poor AM Best ratings
Company website gives no information on the company’s history or affiliations
Only offers coverage in nine states
Hallmark insurance outshines the competition in discount opportunities and availability. However, its rates are higher than average.
Factor
▲▼
How Hallmark Compares
▲▼
Rates
Higher
Customer service
Not rated
Discounts
More than competitors
Availability
More than competitors
Financial strength
Stronger than competitors
How does Hallmark auto insurance work?
Hallmark Insurance Group is a subsidiary of Hallmark Financial Services, a Dallas-based company. Aside from car insurance, the company also sells renters insurance, home insurance, and several business insurance products. Hallmark also offers a multi-policy discount.
One thing to note is Hallmark relies on independent insurance agencies to sell policies. Since its distributors don’t work with Hallmark exclusively, your experience with this insurer may vary by the independent insurance agency or agent you work with.
In addition, if you have a less-than-perfect driving record, you may have luck with Hallmark. This insurer specializes in non-standard coverage or insurance for high-risk drivers and will file a financial responsibility (SR-22 or FR-44) form if your state requires it. Many insurance companies don’t offer this coverage.
Compare Auto Insurance Companies
Hallmark’s rates start at $153 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of Hallmark auto insurance
On average, a full-coverage insurance policy at Hallmark costs $277 per month, and a liability-only policy costs $153 per month. This is more than the national average cost of car insurance.
Hallmark insurance reviews and ratings
Online reviews and ratings can help you decide if an insurance company is one you’ll enjoy working with. Unfortunately, Hallmark has received a host of negative customer reviews. Its rating information is also limited to the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau (BBB).
Hallmark customer reviews
Hallmark only has a few reviews through the Better Business Bureau and none through Trustpilot. The reviews skew largely negative and cite lack of communication and long claim periods.
However, some customers cited kind and efficient service from Hallmark.
Hallmark ratings
Credit-rating agencies give consumers insights on a company’s financial strength, claims handling, and quality of customer service. Here’s what regulators have to say about Hallmark insurance.
NAIC Complaint Index: Lower than expected for a company of its size[2]
Hallmark car insurance coverage options
Hallmark offers the required state-minimum car insurance for drivers seeking coverage at low rates. People looking for more protection can pay more for its full-coverage policies, which include comprehensive and collision coverages.
At Hallmark, you can choose from common optional insurance coverages, including uninsured/underinsured motorist, medical payments, towing and labor, and rental reimbursement coverage.
It doesn’t stop there. Hallmark also offers a suite of unique coverages that many insurers may not. Take a look at additional coverages Hallmark insurance has:
Short-term coverage
Most insurance companies let you renew your policy for six months at a time. Hallmark lets you renew your coverage as often as monthly. Visitors with foreign passports who aren’t staying long but need to drive may be especially interested in this perk.
Non-owner insurance
If you’re in the U.S. temporarily, non-owner insurance gives you coverage when borrowing or renting a car. It only provides the minimum liability coverage, but it’s usually cheaper than buying a full-coverage auto insurance policy.
SR-22 insurance
Hallmark specializes in insurance for high-risk drivers. The company will also file an SR-22 or FR-44 certificate if you need it. Most insurance companies don’t offer this coverage or will charge very high rates.
Matrícula ID, international licenses, and foreign passports
Hallmark insurance makes it easy for Mexican nationals with a matrícula consular and other foreign citizens with international driver’s licenses or passports to get insurance. Other insurance companies may not offer this option, or it may be more difficult to get insurance with them.
Shop for Car Insurance Online
Insurify partners with top companies to generate free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Hallmark car insurance cost by state
The cost of your car insurance policy will depend on factors such as your state’s coverage requirements, weather conditions, population density, accident rates, and crime rates. The table below illustrates the average cost of a Hallmark full-coverage and liability-only policy in the states where it operates.
In most cases, you’ll see that Hallmark’s rates are higher than average.
State
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
Arizona
$230
$108
Arkansas
$215
$84
New Mexico
$146
$55
Oklahoma
$230
$109
Texas
$438
$227
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hallmark auto insurance rates by driving history
Your driving record has a huge influence on your car insurance rates, and drivers with a spotty history generally pay more for car insurance than drivers with a clean record.
The severity and frequency of driving incidents also affect your insurance costs. For example, someone with a single speeding ticket will pay less than someone with multiple speeding tickets and a DUI.
Here, you can see the average monthly cost of Hallmark car insurance for various driving profiles.
Driving History
▲▼
Average Quote: Full Coverage
▲▼
Average Quote: Liability Only
▲▼
Clean record
$277
$153
With speeding ticket
$371
$206
With at-fault accident
$396
$219
With DUI
$474
$262
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hallmark car insurance cost by age
Age is a general indicator of driving experience and potential driving behavior. As such, teens and young adults see the highest insurance premiums, with costs significantly dropping off at age 25. Insurance rates tend to be the lowest at age 60.
Drivers in their 70s will start to see an increase in their premiums because of the propensity for increased risk factors, like slower reaction times and decreased vision and hearing.
Here, you can see the average monthly cost of Hallmark car insurance for different ages.
Age Group
▲▼
Average Monthly Quote
▲▼
Teens
$495
20s
$343
30s
$258
40s
$235
50s
$207
60s
$194
70s
$207
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Hallmark car insurance discounts
Car insurance premiums can be expensive, but discounts can lower your costs. Hallmark offers the following discounts to save money on your policy, and the rates of these discounts vary by state:
Multi-car
Homeowner
Recurring payment
Multi-policy
Prior coverage
Foreign driver’s license
Hallmark vs. other insurance companies
The car insurance market has many options, but the best company for you will depend on your budget and needs. Comparing insurers can help you find the best rate for the coverage you need. Here’s how Hallmark stacks up against some of its main competitors.