Hallmark Insurance ranks 32nd overall nationally, placing it outside the top tier of best car insurance companies. The provider shows strength in coverage options, ranking 12th in this category, and customer experience, where it earned an 18th place ranking.
Hallmark Car Insurance Review
Updated: September 22, 2025
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Key Takeaways
Hallmark Insurance ranks 33rd for full coverage affordability and 31st for minimum liability coverage with average rates of $222 and $91 monthly respectively.
Hallmark Insurance ranks 18th nationwide for overall customer satisfaction, standing out due to its responsive agent service and positive forum reviews.
Hallmark Insurance earns the 12th best spot for coverage options, offering unique features like accident forgiveness and new car replacement coverage.
Hallmark Insurance Car Insurance Ratings
| Overall Score | 3.65 | 32 |
| Customer Experience | 4.32 | 18 |
| Coverage | 2.50 | 12 |
| Affordability | 3.52 | 32 |
Who Is Hallmark Insurance Car Insurance Best and Worst For?
Hallmark Insurance works best for drivers with a DUI, bad credit, seniors and those with older cars seeking affordable coverage. You should skip Hallmark if you're a young driver or own a newer vehicle, as you'll pay more.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.02 | 25 |
How Much Does Hallmark Insurance Car Insurance Cost?
Your average car insurance costs with Hallmark Insurance can vary dramatically from $82 to $915 monthly based on your specific situation. We've analyzed national costs across age groups, gender, coverage types, credit scores and driving records to help you understand what you'll actually pay.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $314 | $3,767 | 14% | 30 |
Hallmark Insurance Car Insurance Rates by Driver Category
Hallmark Insurance ranks as one of the more expensive options across most driver categories. Young drivers, seniors, and those with accidents, DUIs, or bad credit will find rates much higher than average. Below you can review how affordable Hallmark Insurance is for your specific driving situation compared to competors with similar availability.
| Adult Drivers | $75 | $186 | 54% | 32 |
| Drivers With a DUI | $81 | $200 | -12% | 13 |
| Drivers With an Accident | $90 | $220 | 29% | 28 |
| Drivers With a Speeding Ticket | $81 | $200 | 36% | 30 |
| Drivers With Bad Credit | $91 | $227 | -7% | 21 |
| Drivers With Low Income | $82 | $206 | 33% | 32 |
| Drivers With Newer Cars | $138 | $343 | 112% | 34 |
| Drivers With Old Cars | $71 | $177 | 65% | 32 |
| Senior Drivers | $80 | $169 | 19% | 25 |
| Young Drivers | $194 | $414 | 59% | 31 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Hallmark Insurance Car Insurance Discounts
Hallmark Insurance offers 6 car insurance discounts, with savings depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy | Variable | Bundle auto with renters or other insurance policies | Available in 9 states served |
Multi-Car | Variable | Insure multiple vehicles on same policy | Available in 9 states served |
Homeowner | Variable | Own your home | Available in 9 states served |
Foreign Driver's License | Variable | Hold valid foreign driver's license (including Matricula ID) | Available in 9 states served |
Recurring Payment | Variable | Set up automatic payments | Available in 9 states served |
Prior Coverage | Variable | Strong history of continuous insurance coverage | Available in 9 states served |
Hallmark Insurance Car Insurance Customer Reviews and Reputation
Hallmark Insurance earned 18th place in customer satisfaction in MoneyGeek's comprehensive customer experience study. Customers like the insurer's agent service and digital platform experience. There are complaints about claims processing compared to other areas of service.
Buying Process Experience
The buying process receives mixed feedback from actual customers, with many noting that Hallmark offers competitive rates for high-risk drivers. One customer on WalletHub stated they were able to get insurance "really quick on our new car" Some customers report limitations, as you must go through independent agents.
Policy Management
Customers complain about rate increases and technology failures. Multiple customers report that "every time I renew my price goes up" despite having "no tickets no accidents no claims whatsoever." A major complaint from customers is that the mobile app is "no longer found" in app stores.
Claims Experience
Claims experiences reveal the most serious problems, with cases of severe delays and poor treatment. One BBB customer complaint detailed how "Hallmark Financial never sent an Adjustor to review the damages" and initially sent only a $1,045 check, but Caliber Collision found "additional damages to my vehicle worth an additional $5,000."
Hallmark Insurance Car Insurance Industry Customer Satisfaction Ratings
Hallmark Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Hallmark Insurance's scores from industry agencies.
AM Best Financial Strength | NR (Not Rated) | A++ to D- | Ratings withdrawn in 2023 due to financial concerns |
AM Best Long-Term Credit Standing | NR (Not Rated) | aaa to d | Previously A- before ratings withdrawal |
S&P Global Financial Strength | Not Available | AAA to D | S&P does not currently rate Hallmark Insurance |
Moody's Financial Strength | Not Available | Aaa to C | Moody's does not currently rate Hallmark Insurance |
J.D. Power Auto Claims Satisfaction | Not Rated | 1,000-point scale | Hallmark not included in J.D. Power studies |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Hallmark not included in J.D. Power studies |
J.D. Power Auto Insurance Shopping Study | Not Rated | Out of 1,000 | Hallmark not included in J.D. Power studies |
J.D. Power Overall Customer Satisfaction | Not Rated | Out of 1,000 | Hallmark not included in J.D. Power studies |
NAIC Auto Complaints | 2.35 (Above Average) | 1.00 is average | More complaints than expected for company size |
Hallmark Insurance Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate Hallmark Insurance's competitive rates for high-risk drivers, availability of non-owner insurance and SR-22 filing services.
Common complaints include extended claims processing times, poor communication from adjusters, and lack of mobile app functionality.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Customers express concerns about sudden rate increases and billing issues:
"I've been with hallmark insurance company for several years now, but I'm Seriously thinking my insurance company because every time I renew my price goes up I've had no tickets no accidents no claims whatsoever."
Claims Processing
Most customers experience delays and communication issues with claims, with mixed results on final settlements:
"It took six months for them to approve the supplemental from my estimate with Caliber Collision finally. Hallmark Financial never sent an Adjustor to review the damages to my vehicle."
Customer Service
Agent service receives negative feedback, with customers reporting frequent hang-ups and unresponsive representatives:
"Their customer service was terrible as I was hung up on multiple times. I had to threaten legal action before they finally complied."
Digital Experience
Hallmark's digital platform receives poor ratings due to lack of mobile app and limited online functionality:
"I can't even go on to my phone and pull up the app because app is no longer found I think that I'm going to go with the company closer to my home instead of one in Texas that I can't get through to half the time."
Trust and Reputation
As a specialty insurer for high-risk drivers, Hallmark maintains BBB accreditation but faces significant customer trust issues due to claims handling problems:
"AM Best dropped Hallmark Financial Services' financial strength rating from an A- to NR (not rated) in 2023, indicating potential financial issues."
Coverage Options
People appreciate the availability of non-owner insurance and SR-22 services, but note the extremely limited geographic coverage and lack of comprehensive policy features:
"The company offers insurance for drivers who need an SR-22, as well as international drivers, who can even get a discount for having a foreign license."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Hallmark Insurance Car Insurance Coverage Options
Hallmark Insurance provides standard coverages similar to other major insurers, including liability, comprehensive and collision protection. The company's additional add-ons include:
Towing and Labor Coverage | Emergency roadside assistance and towing services | Pays for towing and roadside assistance when vehicle is disabled |
Rental Reimbursement Coverage | Rental car costs during vehicle repairs | Covers rental car expenses after an accident while vehicle is being repaired |
Other Hallmark Insurance Insurance Coverage Options to Consider
You can save money by bundling auto insurance with other coverage types or buying them separately:
Who Offers It? | Insurance Products |
|---|---|
Hallmark (Directly Offered) | Auto insurance, renters insurance, personal aircraft insurance, business insurance, motorcycle insurance, airport liability insurance, commercial excess liability insurance |
Third-Party Partner | Home insurance (through independent agencies that work with multiple carriers), life insurance (through independent agencies), flood insurance (through independent agencies) |
Hallmark Insurance Auto Insurance Review: Bottom Line
Hallmark Insurance offers coverage but is ranked 33rd overall for full coverage and 31st for minimum coverage. However, we recommend you compare insurers before buying to get the best deal.
Hallmark Insurance Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Hallmark Insurance car insurance:
Does Hallmark insurance have a good reputation?
Yes, Hallmark Insurance is a legitimate car insurance company that ranked 32nd in our comprehensive car insurance provider study. It has good coverage options, which earned a strong 12th place ranking among all providers we evaluated.
Where is Hallmark the best car insurance company?
Hallmark isn't a top option in either of the states it's rated in, although it is in or near the top ten.
How much does Hallmark car insurance cost on average?
Adults pay an average of $1,156 annually for minimum coverage and $2,749 for full coverage through Hallmark Insurance. Annual premiums range from $988 to $4,748 for minimum and $2,262 to $9,539 for full coverage.
Is Hallmark known for denying claims?
Customer feedback suggests Hallmark Insurance faces criticism for claim denials. Policyholders report rejected claims for water damage, auto accidents and property losses. Some customers describe lengthy review processes and disputes over coverage interpretations.
Note: This represents limited information based primarily on forum reviews.
Is Hallmark a good option for high-risk drivers?
Hallmark Insurance is a solid choice for drivers with a DUI, ranking 13th overall for affordability among high-risk driver categories.
Does Hallmark raise car insurance rates over time?
Yes, Hallmark Insurance raises rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather events. Rate adjustments also reflect updated regional risk assessments.
Is Hallmark good for young drivers?
No, Hallmark Insurance isn't ideal for young drivers since their expensive premiums earned them 31st place for overall affordability among insurers.
How We Rated Hallmark Insurance Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.