Hallmark Car Insurance Review (With Quotes, 2023)

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 Industry Rankings and Scorecard

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.

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Hallmark Car Insurance Quotes by Driver History

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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Hallmark Car Insurance Quotes by State

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 Car Insurance Pros and Cons

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:

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Hallmark Car Insurance Discounts

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.

Driver-Based Discounts

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.

Policy-Based Discounts

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.

Bundling Discounts

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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Hallmark Car Insurance Coverage Options

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.

Short-Term Coverage

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.

Non-Owner Insurance

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.

Matricula ID, International Licenses, and Foreign Passports Welcome

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.

SR-22 Insurance Available

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 Reputation

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.

Hallmark Customer Service

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 Claims Filing Process

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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Hallmark: Is it right for you?

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.

Frequently Asked Questions