Hallmark Insurance: Is it right for you? (2022)

Hallmark insurance offers coverage for individual car insurance and specialty insurance options, such as commercial auto insurance and airplane insurance.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jun 17, 2022

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A Concise Overview

  • Hallmark insurance is available for residents of seven states and offers comprehensive and collision auto insurance
  • Hallmark offers flexible policy terms of one- and six-month varieties
  • Hallmark offers uninsured and underinsured motorist bodily injury and property damage coverage

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 matricula 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 matricula 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 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, a repossessed car, 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.

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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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