4.8out of 3,000+ reviews
Hallmark Car Insurance Review (With Quotes, Updated May 2022)
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Drivers in the South or Southwest with a foreign driver’s license (especially a Matricula ID), limited coverage needs, or an SR-22 requirement should take a close look at Hallmark Insurance, which offers auto insurance policies for $151 per month on average in Arkansas, Tennessee, Oklahoma, Texas, New Mexico, Arizona, and Nevada.
Whatever your insurance needs, there are multiple insurance companies out there competing to offer you a policy, and you have to play them against one another to get the insurance rates you deserve. This is why Insurify is so helpful: in only a few minutes, you can get a free list of real insurance quotes just for you.
Hallmark Auto Insurance is a part of a Dallas-based company called Hallmark Financial Services that offers personal auto insurance through Hallmark Specialty Personal Lines alongside other business insurance products. The company is financially stable, with a strong Better Business Bureau (BBB) rating, but customer complaints are relatively high.
|Industry Ranking||Hallmark Rating|
|NAIC Complaint Index||More complaints than average|
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Hallmark Auto specializes in liability coverage for “nonstandard” drivers who have a driving history that makes them high-risk. So if other insurance agencies are turning you away based on your driving record, Hallmark Insurance might take you on. As you can see, a speeding ticket will raise your premium a little bit, but a DUI will do even more damage.
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Also called American Hallmark Insurance Company, Hallmark offers personal auto insurance policies through insurance agents in Arizona, Arkansas, Nevada, New Mexico, Oklahoma, Tennessee, and Texas. This insurance review shows average premiums that Hallmark Insurance customers pay in three of those states:
Hallmark Auto Insurance appeals to a specific slice of drivers in a seven-state region of the United States. While this insurance company does provide full-coverage policies, insurance reviews make clear that it specializes in minimum liability insurance coverage and is best equipped for international drivers. Here are more pros and cons to consider:
Easy for international drivers and Matricula IDs
Specializes in high-risk and SR-22 insurance
Bilingual claims and customer service
Negative reviews and customer complaints
Full-coverage policies are pricey
No mobile app
You’ll know if an insurance company is right for you if the discounts they offer match your insurance needs and driver profile. So what discounts does Hallmark Insurance have for you? The more discounts you can rack up with a given insurance company, the easier you can afford a rock-solid insurance policy.
Hallmark Insurance offers some discounts typical of the personal auto insurance market: multi-car discounts and homeowner discounts are available, though the company’s website doesn’t specify how much you might save. You could also get a discount with a foreign driver’s license; that’s pretty rare.
Hallmark’s website advertises a recurring payment discount and potential markdowns based on your prior coverage. You won’t have a suite of little discounts to pile up and shrink your premium, so you’ll just have to make sure Hallmark Insurance is a great match before signing.
Since you can also buy a renters insurance policy from Hallmark Insurance, you’re able to take advantage of a multi-policy discount from an auto insurance policy and renters insurance policy. Bundling can cut your monthly premiums down.
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A standard car insurance policy from Hallmark Insurance sticks to the state minimum liability coverage. This policy exposes you to property damage and bodily injury expenses for you and your car in the event of an accident that is your fault. Still, some drivers need minimum liability auto insurance and nothing else.
But that’s not all that Hallmark Insurance offers. You can also get a standard full-coverage policy with comprehensive coverage and collision coverage, with the optional additions of underinsured and uninsured motorist coverage, medical payments, towing, and rental reimbursement.
Most auto insurance companies limit their policies to at least six months. If you need a short-term policy, Hallmark lets you sign on for just one month. This is hard to find, and visitors with foreign passports who aren’t staying long but need to drive may be especially interested.
Another advantage for visiting foreign nationals, Hallmark Insurance offers non-owner auto insurance policies that will reduce your premiums compared to a standard policy. A non-owner policy is great for drivers who often borrow or rent cars and don’t want to pay for a full auto insurance policy.
Mexican nationals with a matrícula consular and other foreign citizens with international driver’s licenses or passports can get car insurance from Hallmark Auto. This is part of Hallmark Insurance’s attempt to access a niche auto insurance market, so if this applies to you, it could be pretty hard to find elsewhere.
In addition to minimum liability and foreign drivers, Hallmark also specializes in high-risk car insurance and has SR-22 certificates available to its customers. Many companies don’t have this coverage option available or otherwise charge very high rates for SR-22 policies.
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Hallmark car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Hallmark is $151.
With no J.D. Power or A.M. Best ratings to stack Hallmark Insurance against its competitors and an array of independent insurance agents that handle its policies, Hallmark is a bit of a mixed bag in terms of its reputation. Insurance reviews range from enthusiastic to dire warnings, and while this is normal, the NAIC reports more customer complaints than average.
As usual, customer reviews complain about the claims process with Hallmark. But unfortunately, Hallmark Insurance has the abnormal liability of not offering a mobile app. So if that’s something you’re used to and prefer, keep it in mind. With companies like this that work with independent agents, your customer service experience comes down to the insurance agent you work with.
Hallmark has an online claims form it asks its clients to fill out if they need to make a claim. But given that your insurance coverage is primarily managed by its network of independent agents, you’ll probably be better off contacting your insurance agent directly. Customer reviews are often grumpy about the claims experience with Hallmark Insurance.
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If you live in Arizona, Arkansas, Nevada, New Mexico, Oklahoma, Tennessee, or Texas, have a foreign ID or driver’s license, and are high-risk and only need minimum insurance, Hallmark Insurance might be your company. But if you haven’t first checked Insurify for a free quote list tailored to your insurance needs, you should really start there before you sign a policy.
Texas-based Hallmark Insurance is part of a financially stable company called Hallmark Financial Services, and offers car insurance coverage to policyholders that might otherwise have a hard time accessing insurance products. It doesn’t have the best ratings or the best insurance rates, but if you’re high-risk or from another country, you may have limited options.
Hallmark’s car insurance rates are an average of $151 per month. You can lower your insurance rates by making sure you’ve checked with your insurance agent that you aren’t missing any insurance discounts applicable to you. Bundling is a great way to get your premiums down, combining into a multi-car policy or with renters insurance or life insurance.
Hallmark Insurance offers a limited but standard array of insurance discounts. Multi-car discounts are available, as are discounts for prior coverage, and recurring payments. Foreign drivers and homeowners are also eligible for potential discounts. This is a meager list of insurance discounts relative to most other insurance companies.
Finding your ideal insurance company is a matchmaking process. And as they say, you have to kiss a lot of frogs. If that sounds like a lot of work, then check out Insurify. It searches far and wide for the best insurance quotes from the best insurance companies in your area and then presents them to you, ready for you to compare. It’s a no-brainer before you buy car insurance.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.