American Hallmark Auto Insurance Review (2024)
American Hallmark auto insurance only sells coverage to businesses, and there is no personal American Hallmark car insurance available. However, sister company American Hallmark Insurance Services auto insurance is available to individuals. There is no way to access American Hallmark auto insurance quotes online at this time.
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
American Hallmark Insurance
Average Monthly Rate For Good Drivers
$86A.M. Best Rating:
A-Complaint Level:
HighPros
- Good Credit Discount
- Clean Driving Record Discount
Cons
- American Hallmark Insurance isn’t an auto insurance company for personal auto insurance
- American Hallmark Insurance Services does not list its auto insurance rates online
- American Hallmark Insurance was founded in 1964. The company sells property, casualty, and auto insurance to small to medium-sized businesses.
- American Hallmark is part of Hallmark Financial Services.
- American Hallmark utilizes independent agents to sell insurance outside of Texas across mainly the southwestern and northwestern United States.
American Hallmark goes by Hallmark Financial and Hallmark Insurance Company. Only seven states have access to American Hallmark auto insurance. All other states can get commercial car insurance and other services from Hallmark.
American Hallmark offers the same services as the bigger auto insurance companies and many of the same discounts. To get more information or to buy American Hallmark auto insurance, however, you have to talk to an agent on the phone or in person. You won’t be able to get a quote online.
Compare your current American Hallmark auto insurance rates to other top auto insurance companies in your area with our FREE comparison tool. Enter your ZIP code to get started.
What You Should Know About Hallmark Insurance Company
Looking for the best companies for personal auto insurance?
Unfortunately, American Hallmark Insurance isn’t an auto insurance company for personal auto insurance. Its sister company, American Hallmark Insurance Services, does sell auto insurance for everyday customers.
The current president of American Hallmark is Naveen Anand. Under his management, American Hallmark has grown and recently acquired the Texas Builders Insurance Company for $1.7 million.
How much is American Hallmark Insurance Services’ auto insurance? Is it cheaper than auto insurance from major companies? Let’s continue to find out how much you can save and where American Hallmark Insurance Services is available.
What is American Hallmark auto insurance’s availability by state?
American Hallmark Insurance Services uses independent agents to sell auto insurance outside of Texas across mainly the southwestern and northwestern United States. You can purchase American Hallmark Insurance in the following states:
- Arizona
- Arkansas
- Nevada
- New Mexico
- Oklahoma
- Tennessee
- Texas
The website for American Hallmark offers an agent locator tool to find agents that sell its insurance in these states.
American Hallmark Insurance Services does not list its auto insurance rates online, so you’ll have to get the latest rates from one of the company’s independent agents.
Before you do that, let’s take a look at the average rates in each state where you can get American Hallmark auto insurance.
Average Auto Insurance Rates in States Covered by Hallmark Auto Insurance
States | Average Annual Auto Insurance Rates | Average Monthly Auto Insurance Rates |
---|---|---|
New Mexico | $3,464 | $289 |
Tennessee | $3,661 | $305 |
Arizona | $3,771 | $314 |
Texas | $4,043 | $337 |
Arkansas | $4,125 | $344 |
Oklahoma | $4,142 | $345 |
Nevada | $4,862 | $405 |
These rates reflect the average auto insurance monthly costs from companies in each state.
We’ve sorted the average annual rates from the cheapest to the most expensive and found that New Mexico has the cheapest auto insurance, while Nevada has the most expensive auto insurance.
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How to Get an American Hallmark Auto Insurance Quote
American Hallmark offers the same services as the bigger auto insurance companies and many of the same discounts.
To get more information, however, you have to talk to an agent on the phone or in person. You won’t be able to get American Hallmark auto insurance quotes online.
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Canceling Your American Hallmark Auto Insurance Policy
When you want to cancel your car insurance policy, you have to make sure your timing is spot on.
If you cancel your auto insurance policy before getting another one, you’ll be driving uninsured, and this can lead to fines or a suspended license.
Don’t worry. We’ll explain how to cancel your auto insurance policy with any company and what to expect when you cancel.
Is there a cancellation fee?
You won’t know if there’s a cancellation fee until you ask an American Hallmark auto insurance agent.
If there is a fee, it could be $25-$50. Some companies issue something called a short rate fee, which is about 10% of the remaining auto insurance policy at the time of cancellation.
Do you get a refund if you cancel insurance?
If you paid for the full duration of your auto insurance policy upfront, you may be entitled to a refund.
For instance, if you signed up for a 12-month policy and paid for the full year in advance but canceled after three months, you’ll likely get money back for the nine months you didn’t use.
How do you cancel auto insurance?
You can cancel your auto insurance by simply calling the American Hallmark phone number and telling an auto insurance agent that you want to cancel. If you can’t reach them by phone, send an email to the email address listed on your billing statement.
Can I cancel my auto insurance at any time?
Yes. Although states across the nation have different rules about canceling, it’s always best to set a cancellation date 15-60 days in advance.
This will give you time to find another auto insurance company and start a policy, or give you time to change your mind.
If you’re looking for a change from your current insurance policy, enter your ZIP code to find auto insurance companies in your area using our free comparison tool.
How to File American Hallmark Auto Insurance Claims
When you visit the Hallmark Insurance Company website, click on the menu selection at the top right. It should show you a number of selections. Look at the bottom right of those selections and click “Report A Claim.”
There’s a form you can fill out to report your personal car insurance claim or any other insurance claims you have with American Hallmark Insurance Company. If you can’t get access to the Hallmark Insurance Company website, you can contact them at 1-800-486-5616.
Below you’ll find the contact information of the different claims departments at American Hallmark.
American Hallmark Claim Contact Information
Claim Service | Phone Number | Fax Number | |
---|---|---|---|
Aviation Claims | 972-528-6928 | No Fax Number | [email protected] |
Commercial Claims (Non-Trucking) | 800-426-5119 ext 1780 | 800-722-4052 | [email protected] |
Commercial Claims (Trucking) | 800-677-5170 | 210-949-9122 | [email protected] |
Personal Lines Claims | 800-486-4255 | 469-298-5750 | [email protected] |
We’ve included the fax number and phone number to give you several ways to contact Hallmark Insurance Company.
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American Hallmark Auto Insurance Ratings
Auto insurance companies aren’t judged by customer feedback alone. Financial strength and credit rating agencies review insurance companies every year and provide information about their stability and creditworthiness.
American Hallmark insurance reviews are limited across the web. However, Hallmark Insurance Company is reviewed by A.M. Best, the Better Business Bureau, and the NAIC. Let’s take a look at the most recent financial strength and credit ratings.
American Hallmark Auto Insurance Financial and Credit Ratings
Ratings Agency | American Hallmark Ratings |
---|---|
A.M. Best | A- |
Better Business Bureau | A+ |
NAIC Complaint Index | 1.66 |
Hallmark Insurance Company’s current A.M. Best rating is an “A-,” which means Hallmark Insurance Company is financially stable and meeting its obligations to customers.
With the BBB rating overview, Hallmark has an “A+” but has 26 complaints from customers who had problems with Hallmark services.
The NAIC Complaint Index shows the rate of complaints a company had during the previous year. In 2019, the complaint ratio for Hallmark Insurance Company was 1.66, which is higher than the national average of one.
Hallmark Insurance Company Insurance Coverage Options
American Hallmark auto insurance coverages are as follows:
- Uninsured and Underinsured Motorist Coverage
- Comprehensive auto insurance Coverage
- Collision auto insurance Coverage
- Medical Payments (MedPay) coverage
- Towing and Labor (Roadside Assistance Coverage)
- Rental Car Reimbursement Coverage
According to the Insurance Information Institute, your auto insurance will depend on the state you live in. Car insurance requirements vary by state, but most require you to have at least some form of coverage.
For example, the minimum requirements for Hawaii are different from the minimum requirements for Wyoming. States’ minimum requirements generally consist of liability coverage.
Minimum requirements revolve around the coverage rule. A coverage rule represents your coverage limits for auto insurance.
For example, a 25/50/25 coverage rule means $25,000 for one person per accident, $50,000 for multiple people per accident, and $25,000 for property damage per accident.
Even with a required minimum amount of car insurance, there are still drivers that don’t have it. How many drivers don’t have auto insurance? Too many. That’s why uninsured and underinsured motorist coverage is so popular.
Let’s look at the minimum requirements for each state where Hallmark Insurance Services does business.
Minimum Auto Insurance Coverage Requirements by States Served by Hallmark Auto Insurance
States | Minimum Requirements | Minimum Coverage Amounts |
---|---|---|
Arizona | BI & PD Liab | 15/30/10 |
Arkansas | BI & PD Liab, PIP | 25/50/25 |
Nevada | BI & PD Liab | 25/50/20 |
New Mexico | BI & PD Liab | 25/50/10 |
Oklahoma | BI & PD Liab | 25/50/25 |
Tennessee | BI & PD Liab | 25/50/15 |
Texas | BI & PD Liab, PIP | 30/60/25 |
BI & PD Liab is shortened and it means bodily injury and property damage liability. These are the basic insurance factors that make up liability auto insurance in most states.
PIP, or personal injury protection auto insurance, is an additional liability coverage in some states, while in others it’s part of the minimum requirement.
There are many factors that affect auto insurance rates, one of which is how much coverage you buy. The National Association of Insurance Commissioners (NAIC) issues an annual report showing the average cost of auto insurance by state.
We’ve shortened that list for you and included states that carry American Hallmark auto insurance. Again, these are not auto insurance rates from American Hallmark. They are general auto insurance rates for these states.
Average Annual Auto Insurance Rates by Coverage Type in States with Hallmark Auto Insurance
States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Annual Average Full Coverage Rates |
---|---|---|---|---|
Arkansas | $412 | $328 | $197 | $741 |
Tennessee | $427 | $314 | $148 | $741 |
Oklahoma | $470 | $318 | $227 | $788 |
New Mexico | $510 | $279 | $175 | $790 |
Arizona | $543 | $281 | $189 | $824 |
Texas | $550 | $380 | $207 | $930 |
Nevada | $716 | $308 | $115 | $1,024 |
These different types of coverage do different things. Collision and comprehensive coverage will help pay for damages to your vehicle—the former applies to accidents, the latter to damage from other causes like the weather, theft, or an incident involving an animal.
Full coverage includes collision and comprehensive.
Compare full coverage auto insurance rates from different companies in your area by entering your ZIP code in our free comparison tool below.
What are American Hallmark’s auto insurance bundling options?
American Hallmark has a number of services. You probably noticed the Hallmark Financial Services logo at the top of the webpage.
Hallmark Financial Services offer business services.
If you’re purchasing personal auto insurance from American Hallmark, you may be able to bundle that policy with one of the other types of coverage the company offers, such as renters insurance or personal aircraft insurance.
You can likely save money on Hallmark Financial commercial auto insurance or personal auto insurance if you bundle two or more policies together. Make sure to shop around for cheaper rates if you’re looking to save money. Learn how to save money by bundling insurance policies.
Hallmark Insurance Company Discounts Available
When auto insurance discounts are stacked together, you can save hundreds on auto insurance. These are the auto insurance discounts offered by American Hallmark Insurance:
- Multi-Car
- Homeowner
- Recurring Payment
- Multi-Policy
- Prior Coverage
- Foreign Driver’s License
Keep in mind that Hallmark Financial’s discounts for personal auto insurance vary by state.
In addition to these discounts, your credit history and driving record can be factors that determine your rates. Let’s talk briefly about both.
See if you’re eligible for auto insurance discounts from companies in your area by entering your ZIP code in our free comparison tool.
Good Credit Discount for Auto Insurance
Insurance companies will often give you a discount if you have a good credit history. According to the Federal Trade Commission, people who have good credit are prone to minimal risk, while people with poor credit are prone to greater risk.
Let’s look at how credit history affects the average auto insurance rates.
Average Annual Auto Insurance Rates by Credit History
Credit History | Average Annual Auto Insurance Rates |
---|---|
Good Credit | $3,166 |
Fair Credit | $3,687 |
Poor Credit | $5,151 |
As you can see, those with good credit pay significantly less than those with fair or poor credit.
Of course, the exact numbers will vary by the insurance company. Contact a Hallmark insurance agent and schedule an appointment to learn more about this company’s rates.
Clean Driving Record Discount for Auto Insurance
You can save more money on auto insurance when your driving record doesn’t have any traffic violations or accidents on it. Let’s take a look at the average annual rates based on different driving records.
Average Annual Auto Insurance Rates by Driving Records
Driving Record | Average Annual Auto Insurance Rates |
---|---|
Clean record | $3,124 |
One speeding violation on record | $3,669 |
One accident on record | $4,100 |
One DUI on record | $4,920 |
As you can see, violations on your driving record will increase your auto insurance rates, with a DUI being the most costly offense. Learn how to get good driver auto insurance discount.
What programs are available from American Hallmark Financial?
It’s not clear whether American Hallmark offers accident forgiveness or usage-based auto insurance. A Hallmark Insurance agent appointment would be your best bet to find out if they carry those auto insurance programs.
American Hallmark Insurance is connected to Hallmark Financial investor relations. Hallmark Financial has a program called Employee Benefits Fiduciary Liability, which offers public and private employee retirement and benefit plans.
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Frequently Asked Questions
What is Freeway Insurance?
Freeway Insurance is an insurance company located in Huntington, California. It’s a small company that doesn’t directly compete with American Hallmark auto insurance.
Where can I pursue Hallmark Insurance careers?
At the bottom of the Hallmark Financial website, click on “Working at Hallmark.” This will take you to the Hallmark Insurance careers page.
How much does it cost for a teenager to have auto insurance?
Auto insurance rates for teenagers are at least $430 per month. You may be able to get more affordable American Hallmark auto insurance for teens, however.
Can a teen driver get an American Hallmark auto insurance discount?
Speak to an agent about student discounts for young drivers. They may be able to give you a discount based on the teen’s grades or completion of a driver safety course.
Does American Hallmark have SR22 auto insurance?
Yes. One of American Hallmark’s signature coverages is SR22 auto insurance.
What is American Hallmark Auto Insurance?
American Hallmark Auto Insurance is an insurance company that offers auto insurance coverage to individuals and families. They provide policies to help protect you financially in case of accidents, damages, or theft involving your vehicle.
What types of coverage does American Hallmark Auto Insurance offer?
American Hallmark Auto Insurance offers a range of coverage options, including:
- Liability coverage: This covers bodily injury and property damage caused by you in an accident.
- Collision coverage: This pays for damages to your vehicle resulting from collisions with another vehicle or object.
- Comprehensive coverage: This protects against damages to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Medical payments coverage: This helps pay for medical expenses for you and your passengers if injured in an accident.
- Uninsured/underinsured motorist coverage: This provides coverage if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
How can I get a quote for American Hallmark Auto Insurance?
To get a quote for American Hallmark Auto Insurance, you can visit their website or contact their customer service directly. Provide accurate information about your vehicle, driving history, and coverage needs to receive an accurate quote. You may also consider reaching out to an insurance agent representing American Hallmark for assistance with obtaining a quote.
How is American Hallmark Auto Insurance rated in terms of customer satisfaction?
Customer satisfaction ratings can vary based on individual experiences and regional factors. To assess American Hallmark Auto Insurance’s customer satisfaction, it’s advisable to research and review customer feedback specific to your area. Online reviews, consumer advocacy organizations, and industry rating agencies can provide insights into the company’s customer service, claims handling, and overall satisfaction levels.
Can I manage my American Hallmark Auto Insurance policy online?
Yes, American Hallmark Auto Insurance typically offers online account management tools that allow policyholders to view and manage their policies, make payments, update personal information, and file claims. These online services provide convenience and accessibility for policyholders.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Esther_
A dissatisfied customer
Marcos9400
Beware, they target foreign and minorities
bubbles4me16
great company
joannabrito
Great company!
195077
Thieves
mandasman_71749
The Best Insurance In Town!
shawndra
Hallmark
Georgiegirl928
Be careful with Hallmark
09876unknown0
Hallmark Review!
kelleyuuo
Money