Hallmark Insurance Review
- With 1.9/5 stars in 2024, Hallmark is a below average insurance company.
- Read Hallmark reviews, complaints and prices before you buy.
Hallmark insurance: Ratings and review
Based in Dallas-Fort Worth, Texas, Hallmark Financial Services offers a variety of insurance coverage options, primarily in the field of business insurance. The company offers a handful of personal lines coverage options. Hallmark's auto insurance offering is geared toward the non-standard market, consisting of drivers who might have trouble securing coverage from a standard carrier due to a poor credit rating, extensive claims history or other factors.Â
Read our review of Hallmark Insurance below to get a better sense of the company’s financial stability, insurance offerings and overall level of customer satisfaction.
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Monthly policy term option
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Good for high-risk drivers
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Only available in seven states
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Limited online information
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No mobile app
Is Hallmark a good insurance company?
The majority of The Zebra's review incorporates how well Hallmark scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
BBB Customer Reviews: 1.33/5
- Hallmark has a 1.33/5 rating from Better Business Bureau customers[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Hallmark[2]
The Zebra Customer Satisfaction Survey
Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. However, we did not collect a sufficient amount of data on Hallmark for it to be included in individual categories.
How much does Hallmark insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Hallmark is about $1653Â or roughly 88%Â more expensive than a typical policy. This makes some sense as car insurance for high-risk drivers tends to be more expensive.
The table below shows how Hallmark auto insurance compares against other top insurers.
Similar to any insurance company, pricing for Hallmark auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Hallmark's car insurance premiums for different age brackets.
| Age Group | DIRT Avg. Monthly Premium |
|---|---|
| Teens | $1,047 |
| 20s | $362 |
| 30s | $310 |
| 40s | $281 |
| 50s | $256 |
| 60s | $275 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
While auto insurance discounts vary by state, Hallmark offers policyholders the following opportunities to save money on their insurance premiums:
- Multi-car: Insuring multiple cars on the same policy can lower your rates.
- Homeowner: Homeowners could be eligible for additional savings on their car insurance.
- Recurring payment: Automatic payments can lead to savings.
- Multi-policy: Bundling your car and renters insurance could save you money.
- Prior coverage: A strong history of insurance coverage could give you a better rate.
- Foreign driver's license: Some savings options may be available to those holding a foreign license.
Read more about Hallmark's discounts here.
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What types of coverage does Hallmark offer?
Hallmark specializes in state minimum liability coverage, the lowest amount of coverage you can carry while driving legally in that state. Policies are available in one- and six-month terms and policy offerings vary by state. In general, you can expect many of the same coverages found via other auto insurance companies. Optional coverages are listed below:
- Uninsured and underinsured motorist (bodily injury and property damage)
- Comprehensive coverage
- Collision coverage
- Medical payments
- Towing and labor
- Rental reimbursement
Hallmark focuses primarily on providing basic insurance coverages and does not offer many endorsements or add-ons. Read more here.
Additional lines of insurance
While Hallmark offers personal auto insurance to non-standard customers, its primary insurance product is business insurance. Hallmark's insurance products include:
- Commercial Auto insurance
- Renters insurance
- Aviation
- Personal aircraft
Hallmark insurance review: Summary
It isn’t often that you find a company that can insure your car, rental unit and personal aircraft. However, that combination is not likely to be in high demand. If you need a minimum liability auto policy but have a checkered driving history, it might be worth looking into Hallmark Insurance. Similarly, the company's renters insurance could provide adequate coverage for your needs.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Hallmark insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.