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.
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.
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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.
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
Dallas, Texas-based Hallmark Insurance offers personal auto coverage, renters, personal aircraft, aviation, and commercial insurance. Notably, the company offers insurance for international drivers, and those who need an SR-22. In May 2023, A.M. Best downgraded its rating of the insurer to C++ for financial strength, and B+ for credit – negative ratings that bring into question the company’s ability to pay claims. However, the company has an A+ rating from the Better Business Bureau, and a lower-than-expected number of complaints with the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Fewer customer complaints
Serves hard-to-insure populations like foreign drivers
Cons
Poor A.M. Best ratings
Company website gives no information on the company’s history or affiliations
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.
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Hallmark’s rates start at $153 per month for liability coverage
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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.
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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.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
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.
▲▼
Hallmark
$153
$277
2.7
Safeway
$136
$245
N/A
Commonwealth Casualty
$107
$287
5.5
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Hallmark vs. Safeway
Safeway Insurance’s website doesn’t go into detail about its car insurance offerings. But the company sells minimum liability coverage at a more affordable rate than Hallmark. Safeway Insurance may be best for you if you don’t mind having less coverage at a cheaper price.
Hallmark insurance provides a more comprehensive overview of its coverages, discounts, and other perks than Safeway does. Hallmark insurance may be a better fit for you if you need a specific type of coverage or if you’re a foreign citizen with an international driver’s license and you’re looking for coverage.
Hallmark vs. Commonwealth
Commonwealth, another regional insurance company, offers auto, renters, and homeowners insurance, which you can bundle for a discount. It also offers a host of deductible-decreasing opportunities, such as vanishing deductibles and safety equipment coverage, which reduces glass damage deductibles. Commonwealth is also significantly cheaper than Hallmark.
Hallmark insurance rates are higher because it caters to high-risk drivers. Commonwealth doesn’t offer non-standard insurance and SR-22 filings, so this company might be a no-go for customers requiring high-risk coverage.
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How to file an auto insurance claim with Hallmark
Hallmark lets you start a claim several ways. However, it may be faster to contact your personal auto insurance agent directly than to deal with Hallmark’s online claim system or customer service representatives.
Navigate to the drop-down menu by clicking the three-bar icon, then select the “Report a Claim” tab located at the top left of the menu.
Hallmark will request your basic information, policy number, details, and documents related to the incident.
Wait for a representative to contact you about your claim.
You can also file a claim by phone at 1 (800) 486-4255, fax at 1 (469) 298-5750, or email at [email protected].
Hallmark Insurance FAQs
If you’re interested in learning more about Hallmark auto insurance, this additional information may help as you research your coverage options.
Is Hallmark legitimate?
Yes. Hallmark Financial Services is accredited by the Better Business Bureau (BBB). A business that earns accreditation meets the BBB’s standard for lawful and ethical business practices.
What is the average cost of Hallmark car insurance?
On average, Hallmark car insurance costs $153 per month for liability coverage and $277 per month for full coverage. You can lower your costs by asking your insurance agent which discounts you qualify for.
Is Hallmark good at paying claims?
Hallmark Insurance isn’t rated by AM Best because it has opted out of its credit-rating process.[3] However, the insurer’s former rating was C++, meaning it has a “marginal ability to meet their ongoing insurance obligations.”
What kind of auto insurance does Hallmark sell?
Hallmark sells state-minimum car insurance coverage. It also specializes in non-standard auto insurance and SR-22 insurance for high-risk drivers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
A.M. Best. "AM Best Withdraws Credit Ratings of Hallmark Financial Services, Inc. and Its Subsidiaries."
Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
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.
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