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.

UPDATED: Aug 24, 2024Fact Checked

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

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

Advertiser Disclosure

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

Advertiser Disclosure

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.

UPDATED: Aug 24, 2024Fact Checked
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American Hallmark Insurance

Average Monthly Rate For Good Drivers

$86

A.M. Best Rating:

A-

Complaint Level:

High

Pros

  • 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
[su_box title="Things to remember..." style="default"]
  • 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.
[/su_box] American Hallmark auto insurance focuses on businesses, so you won't be able to get a personal auto insurance policy through this company. What is auto insurance? Auto insurance covers expenses resulting from accidents, natural disasters, and crime. Generally, there are many factors that affect auto insurance rates, but for businesses, the average cost for commercial auto insurance is $305 per month. The only way to acquire American Hallmark auto insurance for your vehicle is to go through American Hallmark Insurance Services by calling the American Hallmark insurance phone number. How much you can save depends on where you live and what you need. Before reading our American Hallmark auto insurance review, compare affordable auto insurance rates from different companies in your area by entering your ZIP code in the FREE comparison tool!

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

StatesAverage Annual Auto Insurance RatesAverage 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

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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 ServicePhone NumberFax NumberE-Mail
Aviation Claims972-528-6928 No Fax Number[email protected]
Commercial Claims (Non-Trucking)800-426-5119 ext 1780800-722-4052[email protected]
Commercial Claims (Trucking)800-677-5170210-949-9122[email protected]
Personal Lines Claims800-486-4255 469-298-5750[email protected]

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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 AgencyAmerican Hallmark Ratings
A.M. BestA-
Better Business BureauA+
NAIC Complaint Index1.66

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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:

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

StatesMinimum RequirementsMinimum Coverage Amounts
ArizonaBI & PD Liab15/30/10
ArkansasBI & PD Liab, PIP25/50/25
NevadaBI & PD Liab25/50/20
New MexicoBI & PD Liab25/50/10
OklahomaBI & PD Liab25/50/25
TennesseeBI & PD Liab25/50/15
TexasBI & PD Liab, PIP30/60/25

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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

StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAnnual 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

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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 HistoryAverage Annual Auto Insurance Rates
Good Credit$3,166
Fair Credit$3,687
Poor Credit$5,151

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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 RecordAverage 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

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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.

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Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

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.

Reviews
for Hallmark Insurance Company

3.45 (30 reviews)
3
May 20, 2023

Esther_

A dissatisfied customer

I've been with hallmark insurance company for several years now , but I'm Seriously thinking my insurance copening because every time I renew my price goes up I've had no tickets no accidents no claims whatsoever now 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 Very dissatisfied c...
I've been with hallmark insurance company for several years now , but I'm Seriously thinking my insurance copening because every time I renew my price goes up I've had no tickets no accidents no claims whatsoever now 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 Very dissatisfied customer
1
February 17, 2023

Marcos9400

Beware, they target foreign and minorities

Took them close to a year to get my car worked on when it was supposed to be a total loss. I was told to pay $617 a month for six months. Since April 2022 last year I am still waiting for my insurance checks. WORST INSURANCE IN THE WORLD!!
5
January 14, 2020

bubbles4me16

great company

i absolutely love hallmark insurance. they have the best rrates and i didnt get harassed with annoying sales calls just straight to the point quote. i havemt had to file a claim butt i have no doubt that if i did they would be amazing
5
July 30, 2019

joannabrito

Great company!

Overall good experience. Customer service department was always really friendly. I had access to my documents online which is always helpful!
1
January 31, 2019

195077

Thieves

Thieves..this company plus there agent daemi group ,charged me an extra $35 ,for so called installment fees after I had paid my policy in full for 6 months..and when I called them,the lady I spoke to told me my policy would be cancelled for non payment..
5
November 10, 2018

mandasman_71749

The Best Insurance In Town!

I was sick and tired of the previous agents/insurance companies and their webpages/payments, but, when I spoke with [REDACTED NAME] about insurance on my 3 vehicles, he told me not to worry! Within 1 hour, I had all the necessary insurance I had from my previous insurance company, and with a very minimum down payment, and low monthly payments!
5
July 17, 2018

shawndra

Hallmark

I cant say enough about the Hallmark insurance that I purchased,It is very affordable,I looked into many and found this one to be one of the cheapest that is needed for my car,Thank you Hallmark.
1
July 17, 2018

Georgiegirl928

Be careful with Hallmark

Upon purchasing a new 2017 Ram Promaster, I called Zebra and was referred to Hallmark . I had the insurance about 3 weeks when I received a cancellation notice..re. my Ram is listed as commercial & they won't cover it. This is for personal use and never intended for business. I made a payment by phone and was told to disregard the notice. This was on Wed. and they cancelled the policy 3 days later. On Monday I purchased a new policy from All...
Upon purchasing a new 2017 Ram Promaster, I called Zebra and was referred to Hallmark . I had the insurance about 3 weeks when I received a cancellation notice..re. my Ram is listed as commercial & they won't cover it. This is for personal use and never intended for business. I made a payment by phone and was told to disregard the notice. This was on Wed. and they cancelled the policy 3 days later. On Monday I purchased a new policy from Allstate, however, because of a 2 day lapse, I will now pay $40. per month penalty for 18 mo. Needless to say I would not recommend Zebra or Hallmark to anyone. Thanks Hallmark!!!
4
May 18, 2018

09876unknown0

Hallmark Review!

I was very satisfied when I had been in an accident which left my vehicle totaled... Highmark was there to cover most of the money.
5
May 9, 2018

kelleyuuo

Money

This is a great company to have auto insurance with. The sales reps. are great. Everyone is doing a good job.
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