Hallmark Auto Insurance Review: Should you buy in 2024?

Ideally, everyone would be able to get car insurance without any problems whatsoever. However, there are many situations you might find yourself in that make it so standard insurance companies won’t offer you coverage.

From car insurance for foreigners to high-risk drivers, getting non-standard coverage can be difficult and expensive. However, all drivers in the U.S. need coverage if they want to drive legally. When you can’t find standard coverage, companies like Hallmark can help.

Hallmark is a small company that operates in seven states to provide affordable insurance to people who struggle to get it elsewhere. So if you’re a driver with an international ID, need SR-22 insurance, or only qualify as high-risk, Hallmark might be right for you.

While Hallmark Insurance Company might be your best choice, it’s important to compare prices with as many companies as possible to save money. High-risk insurance is usually more expensive than standard coverage, but you can learn more below.

What is Hallmark auto insurance?

For over 30 years, Hallmark has provided car insurance for people who struggle to find it elsewhere. You can find affordable rates with Hallmark, but it only serves seven states: Texas, Arizona, Arkansas, Nevada, New Mexico, Oklahoma, and Tennessee.

Headquartered in Texas, Hallmark specializes in high-risk insurance and coverage for people who don’t have American driver’s licenses. If Hallmark interests you, be wary of where you go online. It is not affiliated with the Hallmark Speciality Insurance Company.

Instead, Hallmark operates under the parent company, “Hallmark Financial Services.” While insurance through Hallmark isn’t groundbreaking, it is unique that they insure people with international driver’s licenses, foreign passports or IDs, and matriculas IDs.

Not only does Hallmark offer insurance to just about every applicant, but it also offers short-term coverage. Through Hallmark, you have the option to buy either a single month or six months’ worth of coverage.

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Hallmark Insurance Plans

As a company specializing in non-standard insurance, many customers buy whatever their state’s minimum insurance requirements demand. In most states, that means a certain amount of liability insurance.

To understand what minimum insurance is in your state, check out the requirements below.

Although Hallmark specializes in providing the cheapest minimum insurance you need, it sells more than that. Hallmark offers the same standard insurance options you would see in most other companies:

• Liability: Liability insurance helps pay for property damage and injuries to people after you cause an accident. It will not help repair your vehicle no matter who is at fault.
• Collision: After an accident, collision insurance will help repair your car, even if you’re at fault. It also helps pay for repairs if you collide with a stationary object.
• Comprehensive: This coverage helps repair your car after damage from events outside of accidents. They include animal contact, fire, theft, vandalism, and weather.
• Uninsured/underinsured motorists: Although most state laws require drivers to carry insurance, not everyone does. This coverage helps pay for repairs and medical expenses if a driver without insurance hits you.
• Medical Payments: Bills get expensive quickly after an accident. Medical payments help pay for those expenses.

The scope of what a Hallmark insurance plan covers varies by state, but an insurance representative will help you determine the best product for you.

Does Hallmark offer additional coverage options?

While most car insurance companies offer add-ons to increase the value of your policy, smaller providers who work with high-risk and other non-standard drivers typically lack them. Unfortunately, Hallmark doesn’t have the most add-ons available, but it does have two solid choices.

The first is rental car reimbursement. If your car is damaged after an accident and it’s stuck at the mechanic’s, Hallmark will pay for your rental car.

You can also purchase towing and labor, a form of roadside assistance that doesn’t usually cover quite as much. Hallmark doesn’t list what towing and labor covers, but it might include:

• Flat tire assistance
• Emergency towing
• Jump starts

If you’re interested in these add-ons, speak with an insurance representative before you sign up. They can tell you exactly what these add-ons include and if they are available in your state.

How much does Hallmark car insurance cost?

Hallmark is not forthcoming about its insurance rates, and you can’t get a quote online. To see exactly how much Hallmark auto insurance will cost, you’ll need to contact a Hallmark representative by phone or email.

However, you can get an idea of how much insurance with Hallmark might cost you by looking at the average price for insurance in the states it operates in.

Since Hallmark offers insurance to high-risk drivers or people without U.S. licenses, their rates will likely be higher than the state average. However, the company does promise to get your rates as low as possible.

Does Hallmark offer discounts?

Car insurance discounts are another area that high-risk insurance companies usually lack, but Hallmark’s goal is to save you money. That being said, they offer a few discounts, but not as many as larger companies:

• Multi-car: If you have multiple cars in your household, you’ll save money by adding them to one policy instead of many.
• Homeowners: You’ll be eligible for this discount if you have a homeowners insurance policy. Hallmark doesn’t sell home insurance, so you can get it from any company you choose.
• Recurring pay: You can earn this discount by the simple act of signing up for autopay.
• Prior coverage: Details about this discount are slim, but you’ll probably be eligible if you switch from a different company. This is a common discount amongst car insurance providers, and you usually have to have your previous policy for at least six months.
• Bundling: Hallmark offers several business insurance products, renters insurance, and boat insurance. If you buy more than one policy, you’ll get a discount.
• Foreign driver’s license: Drivers with a license from a foreign country may be eligible for a discount.

Not every discount is available in all seven states, but a representative will determine what you are eligible for when you sign up for a policy.

Hallmark Auto Insurance Reviews

Hallmark promises to help people find affordable insurance no matter what their situation is. However, promises on a website only take you so far. The best way to determine if Hallmark is worth trusting your car with is by looking at reviews.

For starters, Hallmark has an impressive A+ from the Better Business Bureau (BBB) and an A- for its financial strength from A.M. Best.

Numerous complaints are listed on the BBB website, many of which have not been resolved. Many complain that it’s difficult to contact insurance agents or that representatives take a long time to return calls. Some customers have waited weeks for Hallmark agents to get their car repaired and eventually paid for repairs out-of-pocket in frustration.

People that Hallmark drivers have hit also complain about the company. Many of these complaints involve how hard it is to get a Hallmark Insurance payment for filed claims. Other drivers state that the company refused to pay the full amount owed.

It’s not all doom and gloom, though. There are some positive customer reviews. Many people had positive experiences with customer service agents, while others appreciated the straightforward sales approach.

Of course, many customers felt relief in getting insurance when they thought they wouldn’t be able to.

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Find the Best Auto Insurance for Your Needs

Hallmark might be the best choice for you when you need high-risk or state-minimum insurance on a budget. However, the company is plagued with terrible reviews. It might be best to avoid this company unless it’s one of your only options.

If Hallmark Insurance still interests you, you can compare prices with other companies to ensure you get the best price possible. You’ll need to speak with a Hallmark agent if you want to see how much a policy will cost you.

Hallmark Insurance: Is it right for you?

Finding the right auto insurance for you can be difficult. With many car insurance companies on the market, there is a wide range of services and pricing. That can leave you feeling lost and confused when picking the right coverage.

Hallmark has specialty insurance coverage alongside auto insurance and is perfect for foreign drivers. Hallmark Insurance has competitive pricing and flexible options for insurance, leaving you with plenty of choices.

Although Hallmark insurance coverage is only available in seven states, it is an invaluable car insurance company to use. You can take full advantage of the services that Hallmark Insurance offers if you live here:

• Arizona
• Arkansas
• Nevada
• New Mexico
• Oklahoma
• Tennessee
• Texas

Hallmark Insurance is a clear choice for insurance coverage because of its self-service options and 24/7 online access through a secure portal.

Hallmark Financial Group is the parent company of three insurance companies: American Hallmark Insurance Company of Texas, Hallmark Insurance Company, and Hallmark County Mutual Insurance Co.

Hallmark offers several car insurance options, including inexpensive liability coverage perfect for international drivers. Additional coverage is available for purchase but will cause premiums to rise throughout the policy.

Auto Insurance With Hallmark

Hallmark auto insurance offers some of the best pricing in the South and Southwest regions of the United States at an average of $151 monthly. Hallmark is ideal for those who need limited coverage, have a foreign driver’s license or matriculate ID, or need an SR-22.

An SR-22 is a form or certificate that confirms your car insurance coverage meets the state law requirements. Not everyone needs an SR-22. Typically, those who require an SR-22 include those arrested or fined for a severe traffic incident like driving while intoxicated, driving without insurance, or driving recklessly. These drivers are classified as high-risk drivers and can find it difficult to locate affordable car insurance coverage. However, Hallmark may be an alternative to high-cost car insurance companies.

Additionally, drivers with a matriculate ID can find inexpensive coverage with Hallmark. A matricula ID is issued to citizens of Mexico who do not reside in Mexico. Hallmark is an ideal company to provide auto insurance for foreigners and does not require a United States ID.

Hallmark also offers steep discounts for several easy-to-meet requirements. Available discounts include those for multiple vehicles, being a homeowner, having more than one policy with Hallmark, and having a foreign driver’s license.

While Hallmark Insurance is not rated well from the customer reviews online, this company has an A+ rating from the Better Business Bureau. Additionally, Hallmark Insurance has an A- rating from A.M. Best. This rating reflects Hallmark’s creditworthiness and shows that Hallmark is not in danger of defaulting on financial obligations.

All these ratings and reviews suggest that Hallmark is the ideal car insurance company to use if you have a traffic violation on your record, live in one of the states it covers, or have a matricula ID. The inexpensive premium from Hallmark can help you find a brand-new start on the road.

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Hallmark Offers Plenty of Coverage

Many car insurance companies use six-month or one-year policy terms, but coverage with Hallmark is much more dynamic. You can choose a one- or six-month policy term, leaving room for changes in your financial circumstances and life.

Furthermore, Hallmark targets minimum liability policies and offers its most competitive pricing for liability coverage. International drivers can benefit the most from liability coverage, and Hallmark makes it easy for those drivers to obtain this coverage for a short time, with one- and six-month policy terms.

However, full coverage with Hallmark can cost more than other car insurance companies on the market and may have you paying several hundred dollars per month to be fully covered. Many drivers may want to consider keeping liability-only or limited liability coverage with Hallmark to keep the costs low.

Hallmark offers three policy options for liability, full coverage, and non-owner car insurance. Additional and optional coverage includes uninsured and underinsured motorist bodily injury and property damage, comprehensive coverage, collision coverage, medical payments, and rental reimbursement.

Non-owner car insurance is coverage for those who often drive vehicles they do not own. Non-owner car insurance is perfect for those who travel frequently and rent cars often. This car insurance coverage can be ideal for foreign drivers visiting the area for an extended period.

Hallmark may also cover towing and labor costs as additional coverage. However, some policy terms, coverage options, and limitations may change depending on the amount of insurance. Taking advantage of one or more of Hallmark’s discounts can help bring down the cost of additional coverage and keep you safe and secure without draining your wallet.

Filing a Claim With Hallmark is Easy

Filing a claim with Hallmark Insurance customer service is easy and can be done online through the company website. Filling out the form online can have your car accident claim filed with Hallmark in just a few moments. The policyholder, an agent or representative of the driver, an attorney, or a healthcare worker can submit a claim form.

You will need to provide all contact information, indicate if the car incident resulted in an environmental spill or fatality, and offer your description of the incident and the cars involved. You may also include photos of the accident or damaged property to assist Hallmark with coming to a quick resolution with your claim.

Specialty Insurance Coverage

Hallmark also offers specialty insurance. This insurance can be a consideration for those who have personal planes or transportation businesses and need protection. Whether you need to keep your transportation business safe or you would like to keep your aircraft covered, Hallmark can offer insurance, unlike others on the market.

Personal Aircraft Liability

Unlike car insurance coverage with Hallmark, personal aircraft liability is available in almost every state. The only areas that Hallmark does not cover are Alaska, Vermont, and the District of Columbia.

Personal aircraft coverage includes single-engine, multi-engine, and rotorcraft vehicles. You can purchase insurance for commercial aircraft as well as hobby aircraft.

Commercial Auto

Additional liability coverage for large vehicles like Hazmat and specialty vehicles is also available. This coverage is available in every state in the U.S. This coverage also applies to large vehicles for fuel transportation, gasoline distribution, and sand or gravel vehicles.

However, this coverage does not apply to passenger vehicles like buses, taxis, or ambulances. Additionally, this coverage is not applicable for food delivery services, repossessed cars, or everyday commuters.

Truck-for-hire businesses, Hazmat businesses, construction materials transportation, and fuel delivery can benefit from the coverage that Hallmark spearheads as a specialty niche in the insurance industry.

Read more: Buy Cheap Auto Insurance for Food Delivery Drivers

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Hallmark Insurance Covers All Your Needs

Hallmark Insurance can offer you more than car insurance coverage. Plus, it has 24/7 online access to all your car insurance information and some of the best ratings in the areas of operation.

While Hallmark insurance can be around $35 more expensive monthly than the average national coverage for a driver with no violations, it can come in handy for those with a violation who need liability coverage. With Hallmark, you can pay as little as $120 to $130 monthly if you do not have any traffic violations on your record. The average cost for coverage with Hallmark remains around $151 per month.

However, you can avoid high costs with car insurance discounts. Although Hallmark Insurance operates out of Dallas-Fort Worth, Texas, residents of many surrounding states can take advantage of competitive pricing, flexible coverage, and customer support.

Finding the right car insurance company for your needs can be difficult, but Hallmark Insurance can assuage your concerns.

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