Hallmark Car Insurance Review & Ratings (2023)
Hallmark Insurance provides auto coverage for high-risk drivers. While you can find affordable car insurance coverage, you can lower your rates by combining multiple discounts. Additionally, A.M. Best and the Better Business Bureau have rated the company well. Learning more about Hallmark Insurance will help you decide on the right auto policy for you.
UPDATED: Jun 28, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
- Hallmark Insurance is available in seven states
- Hallmark Insurance provides coverage for high-risk drivers
- Hallmark Insurance has been rated an A by A.M. Best
Hallmark Insurance provides non-standard car insurance for high-risk drivers. While rates are higher than standard coverage, customers can lower their rates by combining multiple discounts. The company is also highly rated by A.M. Best.
Knowing more about Hallmark Insurance will help you determine if the company is right for you.
Before jumping into this Hallmark Insurance review, enter your ZIP code above to get free auto insurance quotes in your area.
What are the average Hallmark Insurance rates?
Hallmark Insurance only provides coverage in seven states. These states are mainly in the southern part of the country. The seven states in which customers can obtain coverage include:
- New Mexico
High-risk drivers will usually experience higher rates than safer drivers. As a result, the cost of coverage is often a determining factor. Insurance companies use various factors to determine the cost of coverage, one of which is location.
The following chart shows the annual and monthly affordable Hallmark car insurance rates for a full coverage policy based on the state.
Average Annual and Monthly Full Coverage Hallmark Insurance Rates
|State||Annual Rates||Monthly Rates|
As you can see, residents in New Mexico will usually experience the cheapest rates from the company. But, conversely, the most expensive rates are for customers from Nevada.
What coverages are available from Hallmark Insurance?
Hallmark Insurance focuses on non-standard auto insurance for high-risk drivers. These drivers are usually unable to obtain coverage from other companies due to their driving history, credit score, or other factors that make them high risk.
The company specializes in liability coverage, which comprises the minimally-required amount of insurance in most states. Maintaining the minimum required coverage is the most affordable option for high-risk drivers.
Hallmark specializes in liability coverage, but they offer the other standard types of insurance. The following chart shows the different kinds of auto coverage provided by Hallmark Insurance:
Hallmark Insurance Auto Coverages
|Auto Insurance Types||Purpose of Coverage|
|Bodily injury liability||Pays for medical bills if someone else suffers an injury in an accident caused by you.|
|Property damage liability||Liability coverage that covers the cost of any property damage you’ve caused in an accident.|
|Collision||Covers damage to your car after an accident.|
|Comprehensive||Covers damage to your car when you’re not driving.|
|Personal injury protection||Covers medical expenses for you and your passengers after an accident.|
|Uninsured/underinsured motorist||Covers the costs if you’re in an accident caused by a driver will little or no car insurance.|
|Medical payments||Covers medical costs caused by an accident regardless of who is at fault.|
In addition to these standard options, Hallmark Insurance provides additional coverages that many providers lack. These options cover drivers under challenging circumstances that might limit their ability to obtain coverage, including:
- Drivers with Matriculas IDs
- Drivers with an international driver’s license
- Drivers with foreign passports/IDs
- Drivers requiring SR-22s
Insurance companies price coverages individually, so more coverage will result in higher Hallmark car insurance quotes.
How can you save with Hallmark Insurance?
The best way to save on car insurance is to compare quotes, bundle policies, and combine multiple discounts. Like the best insurance companies, Hallmark Insurance provides various discounts for drivers to decrease their rates.
In addition to auto insurance, Hallmark also offers renters and personal aircraft coverage. Customers that use the company for two types of insurance will experience a discount on their monthly rates.
Knowing the Hallmark car insurance company discounts will help you save the maximum amount on your coverage. These deals depend on various factors, like your vehicle, license status, and payment methods. The following chart shows the available Hallmark Insurance discounts:
Hallmark Insurance Auto Discounts
|Auto Insurance Discount||Discount Eligibility|
|Foreign drivers’ license||Drivers holding a foreign license.|
|Homeowner||Insured owns a single-family home.|
|Multi-car||Insure more than one car on a single auto insurance policy.|
|Multi-policy||Bundling different types of insurance.|
|Prior coverage||Drivers with a history of insurance coverage.|
|Recurring payment||Drivers that sign up for automatic payment.|
Hallmark has fewer discounts than most other car insurance companies but enough deals that most customers can lower their rates.
How is Hallmark Insurance rated?
A.M. Best reviews and rates insurance companies based on financial strength. These ratings determine the company’s ability to provide a payout when you file a claim.
Hallmark Insurance has been rated an “A” by A.M. Best. This rating is excellent and indicates that the company will provide a payout in almost every situation.
The Better Business Bureau (BBB) reviews and rates insurance companies on business practices and customer complaints. Hallmark Insurance has been rated an A+ by the BBB, the highest possible rating. This rating shows that the company is transparent and trustworthy.
Does Hallmark Insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to list company complaints on their websites. Both organizations list complaints about Hallmark auto insurance.
At the time of this review, the BBB has received 41 complaints about Hallmark Insurance during the past three years. The majority of these complaints regard problems with the company’s products and services.
According to the NAIC, the company has a complaint index ratio of 1.21. This number shows that the company has slightly more complaints than a similarly-sized competitor.
While Hallmark Insurance has complaints, looking through the individual grievances will allow you to determine if they should be a concern.
How can you buy a Hallmark Insurance policy?
Customers can only buy Hallmark car insurance through independent agents. While the company has a customer service line, the agent should be your primary point of contact when buying and dealing with your policy.
Once you purchase a policy, you can make payment online, by phone, or by mail. The available payment methods include:
- Debit card
- Credit card
- Electronic check
- Automatic withdrawal
Customers can make payments by phone by calling Hallmark Insurance customer service at 1-800-486-5616. The company directs customers who prefer to pay by check to contact customer service to find out where to send check payments.
Customers can make online payments by logging into their accounts on the company website. The insured login is located on the personal auto homepage and will direct you to your account details.
How can you make Hallmark Insurance claims?
Hallmark Insurance customers have three options to file claims. The company allows customers to file claims by phone, online chat, or filling out an online form.
If you prefer to file a claim by phone, the claims department’s phone number is 1-800-486-4255. The website also features a live chat feature that allows you to speak directly with a representative.
The website also features an online form that asks specific questions about your claim. When you fill out a claims form, an agent will contact you for further information. Some of the information required to file a claim includes:
- Policy number
- Vehicle information
- Names of involved or injured parties
Additionally, customers can reach the claims department by fax at 1-469-298-5750 or by email at [email protected]
How can you cancel a Hallmark Insurance policy?
Customers can cancel Hallmark Insurance policies at any time. To cancel a policy, you can contact an agent who will guide you through the process. The agent will also answer any specific questions that you might have about the cancellation.
If you’ve already paid for the whole term, you’ll receive a prorated refund. This type of refund repays the amount remaining on your policy after you cancel. There is no cancellation fee involved, so you won’t have to pay anything extra for canceling during a term.
Hallmark Insurance: The Bottom Line
Hallmark Insurance provides non-standard car insurance to drivers considered too risky for other companies. The rates are higher than standard quotes, but discounts will help lower monthly rates.
Learning more about Hallmark Insurance will help you decide if the company is a good fit for your auto insurance needs.
Now that you know about Hallmark Insurance, enter your ZIP code to find free auto insurance rates in your area.