Hallmark Insurance Review (2022)
Hallmark Insurance specializes in insurance coverage for high-risk drivers, like those with foreign IDs or who need SR-22 Insurance. You can only purchase coverage with Hallmark insurance in seven states, and a policy costs $3,096/year on average. Hallmark offers discounts and flexible policy periods, too.
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Written by
Sara Routhier
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Reviewed by
Cynthia Lanctot
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UPDATED: Feb 25, 2022
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- Hallmark Insurance only provides auto insurance in seven states
- Hallmark Insurance offers policies to drivers with foreign IDs
- Hallmark Insurance provides SR-22 Insurance
Arriving in a new country can be exciting, but it can also be stressful. Buying auto insurance for foreigners, on the other hand, shouldn’t be — even if you don’t have a United States driver’s license. With a Hallmark auto insurance policy, you can get out on the road legally and have peace of mind knowing that you’ll be protected if anything were to happen.
Hallmark Insurance caters to drivers that other insurance companies deem high-risk, like drivers with international IDs or drivers who need SR-22 Insurance. If you think Hallmark Insurance could be a good fit for you, keep reading to learn more about the coverages this company provides and what discounts it has to offer you.
Table of Contents
What is Hallmark Insurance?
The Hallmark auto insurance company has provided auto insurance to drivers across the United States for over 50 years. The company is a leader in the industry and has a unique approach that sets it apart from other companies. They offer an affordable option for drivers and also have an innovative approach to providing auto insurance.
Hallmark Insurance, not to be confused with the Hallmark Specialty Insurance Company, is a part of Hallmark Financial Services. The company’s head office is located in Dallas, TX, but you can get insurance through Hallmark if you live in any of these states:
- Arizona
- Arkansas
- Nevada
- New Mexico
- Oklahoma
- Tennessee
- Texas
If you live outside of these states, you won’t be able to buy Hallmark car insurance, but you can shop online to find an insurance company that provides service to your area.
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What insurance coverage is offered by Hallmark?
The Hallmark Insurance Company provides liability-only and full coverage policies. While these policies have the standard coverages that can adequately protect you, there isn’t much in the way of customization. On the other hand, you can customize your policy period. In addition, Hallmark, unlike many other insurance companies, allows drivers to purchase insurance for as little as 30 days.
What are the benefits of using Hallmark auto insurance?
There are many benefits to giving your business to Hallmark Specialty Insurance. One of these benefits is that Hallmark offers insurance to drivers with Matricula IDs, international driver’s licenses, and foreign passports. In addition to that, drivers can also obtain SR-22 Insurance through Hallmark. In some states, drivers who have had their licenses revoked or suspended need SR-22 Insurance to get their licenses back.
Not all insurance companies offer SR-22 Insurance, so knowing where to turn for such coverage can be very helpful.
How much does Hallmark auto insurance cost?
An auto insurance policy through Hallmark Insurance could cost you $3,096 per year on average. You can see how that figure compares to the average rates offered by major insurance companies in your home state:
| States | Average Annual Rates by State | Annual Average Allstate Rates | Annual Average American Family Rates | Annual Average Farmers Rates | Annual Average Geico Rates | Annual Average Liberty Mutual Rates | Annual Average Nationwide Rates | Annual Average Progressive Rates | Annual Average State Farm Rates | Annual Average Travelers Rates | Annual Average USAA Rates |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Alabama | $3,566.96 | $3,311.52 | Data Not Available | $4,185.80 | $2,866.60 | $4,005.48 | $2,662.66 | $4,450.52 | $4,798.15 | $3,697.80 | $2,124.09 |
| Alaska | $3,421.51 | $3,145.31 | $4,153.07 | Data Not Available | $2,879.96 | $5,295.55 | Data Not Available | $3,062.85 | $2,228.12 | Data Not Available | $2,454.21 |
| Arizona | $3,770.97 | $4,904.10 | Data Not Available | $5,000.08 | $2,264.71 | Data Not Available | $3,496.08 | $3,577.50 | $4,756.25 | $3,084.74 | $3,084.29 |
| Arkansas | $4,124.98 | $5,150.03 | Data Not Available | $4,257.87 | $3,484.63 | Data Not Available | $3,861.79 | $5,312.09 | $2,789.03 | $5,973.33 | $2,171.06 |
| California | $3,688.93 | $4,532.96 | Data Not Available | $4,998.78 | $2,885.65 | $3,034.42 | $4,653.19 | $2,849.67 | $4,202.28 | $3,349.54 | $2,693.87 |
| Colorado | $3,876.39 | $5,537.17 | $3,733.02 | $5,290.24 | $3,091.69 | $2,797.74 | $3,739.47 | $4,231.92 | $3,270.77 | Data Not Available | $3,338.87 |
| Connecticut | $4,618.92 | $5,831.60 | Data Not Available | Data Not Available | $3,073.66 | $7,282.87 | $3,672.34 | $4,920.35 | $2,976.24 | $6,004.29 | $3,190.00 |
| Delaware | $5,986.32 | $6,316.06 | Data Not Available | Data Not Available | $3,727.29 | $18,360.02 | $4,330.21 | $4,181.83 | $4,466.85 | $4,182.36 | $2,325.98 |
| District of Columbia | $4,439.24 | $6,468.92 | Data Not Available | Data Not Available | $3,692.81 | Data Not Available | $4,848.98 | $4,970.26 | $4,074.05 | Data Not Available | $2,580.44 |
| Florida | $4,680.46 | $7,440.46 | Data Not Available | Data Not Available | $3,783.63 | $5,368.15 | $4,339.60 | $5,583.30 | $3,397.67 | Data Not Available | $2,850.41 |
| Georgia | $4,966.83 | $4,210.70 | Data Not Available | Data Not Available | $2,977.20 | $10,053.44 | $6,484.90 | $4,499.22 | $3,384.88 | Data Not Available | $3,157.46 |
| Hawaii | $2,555.64 | $2,173.49 | Data Not Available | $4,763.82 | $3,358.86 | $3,189.55 | $2,551.83 | $2,177.93 | $1,040.28 | Data Not Available | $1,189.35 |
| Idaho | $2,979.09 | $4,088.76 | $3,728.79 | $3,168.28 | $2,770.68 | $2,301.51 | $3,032.19 | Data Not Available | $1,867.96 | $3,226.29 | $1,877.61 |
| Illinois | $3,305.48 | $5,204.41 | $3,815.31 | $4,605.20 | $2,779.16 | $2,277.65 | $2,711.81 | $3,536.65 | $2,344.88 | $2,499.76 | $2,770.21 |
| Indiana | $3,414.97 | $3,978.81 | $3,679.68 | $3,437.55 | $2,261.07 | $5,781.35 | Data Not Available | $3,898.00 | $2,408.94 | $3,393.75 | $1,630.86 |
| Iowa | $2,981.28 | $2,965.86 | $3,021.81 | $2,435.72 | $2,296.16 | $4,415.28 | $2,735.44 | $2,395.50 | $2,224.51 | $5,429.38 | $1,852.57 |
| Kansas | $3,279.62 | $4,010.23 | $2,146.40 | $3,703.77 | $3,220.65 | $4,784.42 | $2,475.59 | $4,144.38 | $2,720.00 | $4,341.43 | $2,382.61 |
| Kentucky | $5,195.40 | $7,143.92 | Data Not Available | Data Not Available | $4,633.59 | $5,930.97 | $5,503.23 | $5,547.63 | $3,354.32 | $6,551.68 | $2,897.89 |
| Louisiana | $5,711.34 | $5,998.79 | Data Not Available | Data Not Available | $6,154.60 | Data Not Available | Data Not Available | $7,471.10 | $4,579.12 | Data Not Available | $4,353.12 |
| Maine | $2,953.28 | $3,675.59 | Data Not Available | $2,770.15 | $2,823.05 | $4,331.39 | Data Not Available | $3,643.59 | $2,198.68 | $2,252.97 | $1,930.79 |
| Maryland | $4,582.70 | $5,233.17 | Data Not Available | Data Not Available | $3,832.63 | $9,297.55 | $2,915.69 | $4,094.86 | $3,960.87 | Data Not Available | $2,744.14 |
| Massachusetts | $2,678.85 | $2,708.53 | Data Not Available | Data Not Available | $1,510.17 | $4,339.35 | Data Not Available | $3,835.11 | $1,361.86 | $3,537.94 | $1,458.99 |
| Michigan | $10,498.64 | $22,902.59 | Data Not Available | $8,503.60 | $6,430.11 | $20,000.04 | $6,327.38 | $5,364.55 | $12,565.52 | $8,773.97 | $3,620.00 |
| Minnesota | $4,403.25 | $4,532.01 | $3,521.29 | $3,137.45 | $3,498.54 | $13,563.61 | $2,926.49 | Data Not Available | $2,066.99 | Data Not Available | $2,861.60 |
| Mississippi | $3,664.57 | $4,942.11 | Data Not Available | Data Not Available | $4,087.21 | $4,455.94 | $2,756.53 | $4,308.85 | $2,980.48 | $3,729.32 | $2,056.13 |
| Missouri | $3,328.93 | $4,096.15 | $3,286.90 | $4,312.19 | $2,885.33 | $4,518.67 | $2,265.35 | $3,419.14 | $2,692.91 | Data Not Available | $2,525.78 |
| Montana | $3,220.84 | $4,672.10 | Data Not Available | $3,907.55 | $3,602.35 | $1,326.11 | $3,478.26 | $4,330.76 | $2,417.74 | Data Not Available | $2,031.89 |
| Nebraska | $3,283.68 | $3,198.83 | $2,215.13 | $3,997.29 | $3,837.49 | $6,241.52 | $2,603.94 | $3,758.01 | $2,438.71 | Data Not Available | $2,330.78 |
| Nevada | $4,861.70 | $5,371.62 | $5,441.18 | $5,595.56 | $3,662.09 | $6,201.55 | $3,477.14 | $4,062.57 | $5,796.34 | $5,360.41 | $3,069.07 |
| New Hampshire | $3,151.77 | $2,725.01 | Data Not Available | Data Not Available | $1,615.02 | $8,444.41 | $2,491.10 | $2,694.45 | $2,185.46 | Data Not Available | $1,906.96 |
| New Jersey | $5,515.21 | $5,713.58 | Data Not Available | $7,617.00 | $2,754.94 | $6,766.62 | Data Not Available | $3,972.72 | $7,527.16 | $4,254.49 | Data Not Available |
| New Mexico | $3,463.64 | $4,200.65 | Data Not Available | $4,315.53 | $4,458.30 | Data Not Available | $3,514.38 | $3,119.18 | $2,340.66 | Data Not Available | $2,296.77 |
| New York | $4,289.88 | $4,740.97 | Data Not Available | Data Not Available | $2,428.24 | $6,540.73 | $4,012.93 | $3,771.15 | $4,484.58 | $4,578.79 | $3,761.69 |
| North Carolina | $3,393.11 | $7,190.43 | Data Not Available | Data Not Available | $2,936.69 | $2,182.71 | $2,848.03 | $2,382.61 | $3,078.65 | $3,132.66 | Data Not Available |
| North Dakota | $4,165.84 | $4,669.31 | $3,812.40 | $3,092.49 | $2,668.24 | $12,852.83 | $2,560.35 | $3,623.06 | $2,560.53 | Data Not Available | $2,006.80 |
| Ohio | $2,709.71 | $3,197.22 | $1,515.17 | $3,423.01 | $1,867.19 | $4,429.74 | $3,300.89 | $3,436.96 | $2,507.88 | $3,135.16 | $1,478.46 |
| Oklahoma | $4,142.33 | $3,718.62 | Data Not Available | $4,142.40 | $3,437.34 | $6,874.62 | Data Not Available | $4,832.35 | $2,816.80 | Data Not Available | $3,174.15 |
| Oregon | $3,467.77 | $4,765.95 | $3,527.28 | $3,753.52 | $3,220.12 | $4,334.55 | $3,176.83 | $3,629.13 | $2,731.48 | $2,892.19 | $2,587.15 |
| Pennsylvania | $4,034.50 | $3,984.12 | Data Not Available | Data Not Available | $2,605.22 | $6,055.20 | $2,800.37 | $4,451.00 | $2,744.23 | $7,842.47 | $1,793.37 |
| Rhode Island | $5,003.36 | $4,959.45 | Data Not Available | Data Not Available | $5,602.63 | $6,184.12 | $4,409.63 | $5,231.09 | $2,406.51 | $6,909.45 | $4,323.98 |
| South Carolina | $3,781.14 | $3,903.43 | Data Not Available | $4,691.85 | $3,178.01 | Data Not Available | $3,625.49 | $4,573.08 | $3,071.34 | Data Not Available | $3,424.77 |
| South Dakota | $3,982.27 | $4,723.72 | $4,047.47 | $3,768.80 | $2,940.29 | $7,515.99 | $2,737.66 | $3,752.81 | $2,306.23 | Data Not Available | Data Not Available |
| Tennessee | $3,660.89 | $4,828.85 | Data Not Available | $3,430.07 | $3,283.42 | $6,206.69 | $3,424.96 | $3,656.91 | $2,639.30 | $2,738.52 | $2,739.28 |
| Texas | $4,043.28 | $5,485.44 | $4,848.72 | Data Not Available | $3,263.28 | Data Not Available | $3,867.55 | $4,664.69 | $2,879.94 | Data Not Available | $2,487.89 |
| Utah | $3,611.89 | $3,566.42 | $3,698.77 | $3,907.99 | $2,965.57 | $4,327.76 | $2,986.57 | $3,830.10 | $4,645.83 | Data Not Available | $2,491.10 |
| Vermont | $3,234.13 | $3,190.38 | Data Not Available | Data Not Available | $2,195.71 | $3,621.08 | $2,128.21 | $5,217.14 | $4,382.84 | Data Not Available | $1,903.55 |
| Virginia | $2,357.87 | $3,386.80 | Data Not Available | Data Not Available | $2,061.53 | Data Not Available | $2,073.00 | $2,498.58 | $2,268.95 | Data Not Available | $1,858.38 |
| Washington | $3,059.32 | $3,540.52 | $3,713.02 | $2,962.00 | $2,568.65 | $3,994.73 | $2,129.84 | $3,209.52 | $2,499.78 | Data Not Available | $2,262.16 |
| West Virginia | $2,595.36 | $3,820.68 | Data Not Available | Data Not Available | $2,120.80 | $2,924.39 | Data Not Available | Data Not Available | $2,126.32 | Data Not Available | $1,984.62 |
| Wisconsin | $3,606.06 | $4,854.41 | $1,513.27 | $3,777.49 | $3,926.20 | $6,758.85 | $5,224.99 | $3,128.91 | $2,387.53 | Data Not Available | $2,975.74 |
| Wyoming | $3,200.08 | $4,373.93 | Data Not Available | $3,069.35 | $3,496.56 | $1,989.36 | $3,187.20 | $4,401.17 | $2,303.55 | Data Not Available | $2,779.53 |
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Remember that when shopping for insurance quotes online, your rates could be higher or lower than the average rates in your states. Your rate is calculated by an insurance company’s underwriting process, which takes details like your age, gender, automobile, driving history, and credit score to determine how much of a risk you pose to the insurance company. The more risk you pose, the higher your rates will be, and vice versa.
Hallmark offers a few discounts that can keep your rates low, like a multi-car or recurring payment discount. Hallmark will even give you a discount if you have a foreign driver’s license.
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What You Need to Know About Hallmark Insurance
Hallmark Insurance can get you the coverage you need to be street-legal if you live in one of the seven states where it provides auto insurance. It is dedicated to helping drivers that other companies may not insure stay protected while out on the road. If you have just arrived in the United States, an insurance policy from Hallmark Insurance may be a good fit for you.
Hallmark also has discounts to offer its drivers, but you should always request quotes from at least three different companies to ensure that you are getting the best deal.