Hallmark Insurance Review (2026)
- Overall rating: fair (2.7/5 stars)
- Average cost: $1,872 for a 6-month policy
- Digital Experience Score: Fair (2/5 stars)
Read more below to get a quote directly from Hallmark.
Hallmark Insurance: A fair choice for high-risk drivers
Hallmark Insurance is geared toward high-risk drivers, so its full coverage rates tend to be on the higher side. But if you're looking for liability-only coverage, its prices are much more competitive and often align with national averages.
Coverage is only available in select states, but Hallmark offers flexible policy terms — including rare one-month options. Rates can rise steeply after at-fault accidents, and customer reviews are mixed, but The Zebra gives it a fair overall rating for drivers who need basic coverage and short-term flexibility.
Available in Arizona, Arkansas, Indiana, Nevada, New Mexico, Ohio, Oklahoma, Tennessee and Texas.
-
Financial Strength Ratings: Strong ratings indicate the carrier can pay claims during major events.
-
Market Stability and Longevity: Established history suggests reliable long-term coverage.
-
Integration with Other Platforms: No integration means managing insurance separately from other accounts.
-
Mobile App Functionality and Usability: Poor or missing app forces you to use less convenient methods.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Hallmark car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Hallmark is about $1,872.[1]
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.
See how Hallmark stacks up against competitors →
Discounts offered at Hallmark: Easy to find a way to save
While auto insurance discounts vary by state, Hallmark offers policyholders the following opportunities to save money on their insurance premiums:
Insuring multiple cars on the same policy can lower your rates.
Automatic payments can lead to savings.
A strong history of insurance coverage could give you a better rate.
| Multi-Car | Homeowner |
| Recurring Payment | Multi-Policy |
| Prior Coverage | Foreign Driver’s License |
To learn more about each discount Hallmark has to offer, see their discounts page.
Compare with other companies
See how Hallmark stacks up against similar companies
Cost: $1,872 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Only available in nine states
- Below average claims satisfaction
- Good for high-risk drivers
Cost: $759 for a six month auto policy
Customer satisfaction: Medium
Our take:
- Cheaper prices than Hallmark
- Better claims satisfaction scores than Hallmark
- Better digital experience scores than Hallmark
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices to Hallmark
- Better customer service scores than Hallmark
- Better bundling options than Hallmark
Hallmark's customer service & claims experience: The bad far outweighed the good.
Customers find Hallmark's self-service options, for things like policy management and simple claims, to be effective. The experience becomes significantly less satisfactory during disputes or complex claims, which are often marked by poor communication.
Thank you 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." -Clearsurance
So-So
"They provide good customer service. I receive prompt claims service. The only thing that would best for them to do better is the price." - Clearsurance
Stay Away!
"Not friendly. Fees up the Yahoo. Bad service all around. When I filed one claim they dropped me even this the other person was at fault." -Clearsurance
How much will your rates climb after filing a claim with Hallmark?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $1,994 |
| None | $1,994 |
| Two comp claims | $1,994 |
| At-fault accident - greater than $2000 | $2,306 |
| At-fault accident - $1000-$2000 | $2,306 |
Source: The Zebra
An analysis of Hallmark's claims process reveals a notable difference between its digital intake and the subsequent management of claims. While submitting a claim is convenient, the process lacks clarity, communication, and a robust mechanism for dispute resolution.
Coverage options: The basics available
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:
✔️ Towing and Labor
✔️ Medical payments
✔️ Rental Reimbursement
✔️ Uninsured and Underinsured Motorist
Final thoughts: Is Hallmark right for you?
If your personalized quote hits the right price point, Hallmark could be worth considering — especially if you’re drawn to its flexible one-month policy terms. They won’t be the right fit for everyone, but for drivers with a checkered record or renters looking for simple, no-frills coverage, Hallmark might just check the right boxes.
Frequently Asked Questions about Hallmark
Get quotes from Hallmark and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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.