Hallmark Insurance Company Review & Complaints: Auto & Home Insurance

Hallmark Insurance Company provides home and auto insurance solutions in multiple states across the United States. With different coverage options in each state, Hallmark Insurance Company can help cover drivers and homeowners who have been turned down by other insurance companies. Also, the company's claims process is simple. Compare rates against other top companies using our free comparison tool below.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 6, 2021

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Hallmark Insurance

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Hallmark Insurance Company Information
Hallmark FactsHallmark DetailsFrom Experts
Year founded1984Glassdoor
Current executivesNaveen Anand - President and CEO
Jeffery Passmore, CFO
Hallmark Financial
Number of employees500 to 1,000Glassdoor
Total sales/assets$700 millionHallmark Financial
Headquarters addressTwo Lincoln Centre
5420 Lyndon B. Johnson Freeway
Suite 1100
Dallas, TX 75240-2345
Hallmark Financial
Phone number1-817-348-1600Hallmark Financial
Company websitehttps://www.hallmarkgrp.com/Hallmark Financial
Premiums written117,740National Association of Insurance Commissioners
Loss ratio69.57%National Association of Insurance Commissioners
Best forHigh-risk driversHallmark Financial
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Hallmark Insurance Company caters to the non-standard insurance market, helping drivers with limited insurance options get the coverage they need. The company’s agent-driven program offers high-risk drivers the opportunity to obtain coverage despite a problematic history.

Find the best budget insurance carrier out there. Not all offer coverage to high-risk drivers which is why you have to do research, but we understand this can be frustrating and time-consuming. That’s why we wrote this Hallmark Insurance Company Review.

Hallmark Specialty Insurance Company is a part of Hallmark Financial Services, which owns a number of insurance and other financial services companies across the country. Each of the companies caters to a particular market segment the way the Personal Lines Unit deals in non-standard insurance.

Before starting this Hallmark Insurance Company review, start getting quotes today to compare standard and non-standard insurance. All you have to do is enter your ZIP code to find quotes for Hallmark Insurance in Reno, NV, and other top car insurance companies.

Are the Company’s Car Insurance Rates Competitive?

Hallmark does not offer an online quoting service, and it writes mainly non-standard car insurance. This means that the company’s rates are going to be more expensive than the other insurance companies we’ve rate-tested.

Let’s look at the average annual rates by driving history offered by standard carriers. This will give you a baseline as you look at car insurance quotes.

Average Annual Car Insurance Rates Based on Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
USAA$1,933.68$2,516.24$3,506.03$2,193.25
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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Non-standard insurance is almost always more expensive than standard coverage due to the higher risk the insurance company takes on.

Many people who require non-standard insurance choose to take out legally minimum liability only insurance in order to keep costs down, but we would still not expect Hallmark to offer competitive rates compared to standard insurers.

Insurers look at many factors when determining your rates, such as age, ZIP code, and driving history, Also, Hallmark loss runs reports show what your car insurance history has looked like for filing claims. Drivers that have filed a lot of claims may be charged higher rates.

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What is Hallmark’s Availability by States?

The company’s headquarters is located in Dallas, Texas, but it offers auto coverage in seven states: Nevada, Texas, Arizona, New Mexico, Oklahoma, Arkansas, and Tennessee.

Certain coverages offered by Hallmark, such as personal aircraft insurance, are offered in some states but not others, so you’ll need to discuss what coverages are available to you with an agent.

What Car Insurance Coverages Are Offered?

The company’s car insurance program is aimed at high-risk drivers and is therefore a basic insurance policy offering the legally required liability with the option for full coverage. Available coverage varies based on the state where the driver lives.

Hallmark also offers insurance for the following special circumstances:

  • Drivers with Matriculas IDs
  • Drivers with international driver’s licenses
  • Drivers with foreign passports/IDs
  • Drivers requiring SR22s

Hallmark’s car insurance program specifically caters to a market that needs flexibility; the company offers policy terms as short as one month and flexible payment plans.

What are the Bundling Options?

Many companies that sell multiple kinds of insurance offer discounts to customers if they choose to purchase more than one type of policy. In addition to car insurance, Hallmark offers renters and personal aircraft insurance policies.

Renters insurance is only offered in a few states, including Washington, Nevada, Arizona, New Mexico, Texas, Indiana, and Tennessee. The insurance offers liability coverage of $25,000/$50,000/$100,000, as well as loss of use, contents, and animal liability coverages.

Aviation insurance is offered in 48 states and is for non-commercial use aircraft. The policy includes $10M in liability coverage and $3M in hull values.

Commercial insurance offers business insurance coverages as well, such as contract binding, property, and casual. Hallmark Financial Services commercial auto insurance business coverage is offered to businesses that need coverage for vehicles.

Hallmark used to offer homeowners insurance, insuring the homes that other companies might not take on due to high-risk factors such as a home being older, low-value, or not owner-occupied. The company also once offered a standard homeowners insurance program that covered homes in fair condition or better.

Homeowners insurance is no longer listed on Hallmark’s website. Hallmark also used to offer dwelling fire and manufactured home coverages as well, but those are also no longer listed on the company’s website.

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What are the Discounts Offered by Hallmark?

Available car insurance discounts from Hallmark include prior coverage and multi-policy discounts.

The company does offer an auto/home bundling discount, which can help reduce premiums considerably in some cases. Here’s a list of discounts offered by Hallmark:

  • Multi-Car
  • Homeowner
  • Recurring Payment
  • Multi-Policy
  • Prior Coverage
  • Foreign Driver’s License

Combining these discounts can save you even more. For example, if you have two cars and own your home, you could qualify for the multi-car and homeowner discounts.

What Programs are Available from Hallmark?

Although the company does not offer programs like telematics, it does provide online account access and bilingual claims, and customer service. The company also offers extended hours of operation and electronic signature capabilities. These factors add up to easy access to your account and customer service when you need it.

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How Do I Cancel My Car Insurance Policy?

Canceling your car insurance policy is usually an easy task. The important thing to remember is that most states require you to have continuous coverage, so you need to make sure you have a new policy lined up before you cancel. Having the coverage overlap for a day or two is a great way to make sure you are always covered.

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Is there a Cancellation Fee?

There does not appear to be a cancellation fee, but there is not a lot of information about canceling your policy with Hallmark online, so you may wish to ask an agent about this.

Is There a Refund?

If you cancel your coverage before your policy is up and have already paid for the full term, you should receive a prorated refund for the unused portion of your policy.

How do you Cancel?

In order to cancel your policy, you should speak with your agent. Making a Hallmark insurance agent appointment is going to be your best bet. Some car insurance companies require written notice to cancel and some only require a phone call.

You definitely need to make sure you follow the company guidelines so that you have a smooth cancellation process.

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When can I Cancel?

Generally, you can cancel your car insurance policy at any time. If you cancel at the end of your policy period, you won’t have to worry about getting a prorated refund.

How Do I Make a Car Insurance Claim?

Filing a car insurance claim with Hallmark looks to be a simple process. The contact section of the company’s website offers a general customer service line that can be reached at 1-800-486-5616 and a Personal Lines Claims phone number of 1-800-486-4255.

There is a live chat option on the website that offers a direct connection to an agent for online help and mentions that the claims department can be reached this way.

Finally, there’s an online form that can be submitted to request that a Hallmark agent make contact with you, and claims are one of the check-off options for the topic of the request.

Are the Company’s Ratings Positive?

Hallmark has been Better Business Bureau accredited since 2012. It currently holds an A+ rating from the organization and has 30 complaints filed since 2017. There are a lot of complaints around customer service, such as claims not being handled in a timely manner.

Hallmark also has an A- rating with the credit rating agency A.M. Best. The A- score means that Hallmark has a stable financial outlook. If you would like more information about Hallmark financial investor relations and company reports, you can access that on the Hallmark website.

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What’s the Bottom Line?

Hallmark might be a good option for drivers who are in need of non-standard auto coverage, but most standard drivers will find that rates and coverage are better elsewhere.

Now that you’ve read this Hallmark Insurance Company review, you can receive free quotes today to find the best reasonably priced car insurance coverage in your area. Just enter your ZIP code to start comparing rates right now.

Frequently Asked Questions: Hallmark Insurance

We’ve gathered some of the commonly asked questions about Hallmark Insurance for you below. Keep reading to learn more.

#1 – How can I reach someone about my personal auto insurance?

Listed on Hallmark’s website is the contact information for personal auto insurance. The Hallmark Insurance Company phone number is 1-800-486-5616. The mailing address is:

  • Hallmark Specialty Personal Lines
    P.O. Box 250209
    Plano, TX 75025

You can also reach an underwriter in San Antonio at:

  • Hallmark Specialty Underwriting
    P.O. Box 40600
    San Antonio, TX 78229

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#2 – Are there Hallmark Insurance careers available?

According to the website, there are many career options available with Hallmark Insurance. You can even view current openings online. The company has office locations in Texas, Illinois, Georgia, and New Jersey.

#3 – Does this company offer equine insurance?

No, Hallmark Equine Insurance Agency is a completely different company. It is located in Illinois and offers different coverage options for your horse.

#4 – Is Freeway Insurance similar to Hallmark Insurance?

Both companies offer car insurance to high-risk drivers and also offer bilingual service. Both companies are good for drivers who may be denied coverage with a standard carrier.

References:

  1. https://www.bbb.org/dallas/business-reviews/insurance-property/hallmark-insurance-company-in-fort-worth-tx-8269/reviews-and-complaints
  2. https://www.hallmarkgrp.com/investors/

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