American Hallmark Insurance Company of Texas Review [2024]

American Hallmark Insurance Company of Texas, headquartered in Dallas, serves businesses and provides personal auto insurance through its sister company, American Hallmark Insurance Services, offering coverage in seven states with varying rates.

UPDATED: Jan 25, 2024Fact Checked

Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate Agent

UPDATED: Jan 25, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Jan 25, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 25, 2024Fact Checked
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American Hallmark Insurance Company

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • American Hallmark Insurance Services offers car insurance policies for everyday customers
  • American Hallmark Insurance Services provides an agent locator tool to find agents that sell their insurance in states where it is available
  • American Hallmark Insurance Services offers discounts on car insurance
  • American Hallmark car insurance offers the standard options in coverages, as well as non-owner car insurance and short-term coverage

Cons

  • American Hallmark Insurance Services is only available in seven states
  • American Hallmark Insurance Services does not list their car insurance rates, so you’ll have to get the latest car insurance rates from one of their independent agents

Final Verdict: Review of American Hallmark Insurance Company

Based in Dallas, TX, American Hallmark Insurance Company focuses on businesses, but you can get a personal auto insurance policy through their sister company, American Hallmark Insurance Services.

Many drivers are able to reach American Hallmark insurance customer service by phone, but we can help direct you to other options. Continue reading to learn how you can pay as low as $86 per month for full coverage.

Before reading this American Hallmark car insurance review, see how much you could save. Compare rates with our FREE comparison tool. Enter your ZIP code to begin.

Based in Dallas, TX, American Hallmark Insurance Company focuses on businesses, but you can get a personal auto insurance policy through their sister company, American Hallmark Insurance Services. Many drivers are able to reach American Hallmark insurance customer service by phone, but we can help direct you to other options. Continue reading to learn how you can pay as low as $86 per month for full coverage. Before reading this American Hallmark car insurance review, see how much you could save. Compare rates with our FREE comparison tool. Enter your ZIP code to begin.

What You Should Know About American Hallmark Insurance Company

American Hallmark Insurance Services does sell car insurance for the everyday customer.

How much is American Hallmark Insurance Services’ car insurance? Is it cheaper than car 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’s car insurance availability by state?

The American Hallmark Insurance Services use independent agents to sell car 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

Read more: Top Texas Auto Insurance Providers

The website for American Hallmark offers an agent locator tool to find agents that sell their insurance in these states.

American Hallmark Insurance Services does not list their car insurance rates, so you’ll have to get the latest car insurance rates from one of their independent agents.

That’s okay. The National Association of Insurance Commissioners (NAIC) provides a report of the average annual rates by coverage type.

American Hallmark Insurance Company Insurance Coverage Options

American Hallmark car insurance offers the standard options in coverages, but they specialize in keeping it simple for drivers that are looking for only liability coverage.

American Hallmark car insurance offers the following types of coverage:

  • Bodily injury liability
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/underinsured motorist coverage
  • Medical payments (MedPay) coverage
  • Rental car reimbursement
  • Towing and labor coverage

They also offer non-owner car insurance and short-term coverage.

How do I cancel an American Hallmark car insurance policy?

You can cancel a car insurance policy just by calling your auto insurance company and let them know you want to cancel. However, you may be faced with a penalty like a cancellation fee. Cancellation fees can be $25 or more. Some companies issue a short-rate fee.

A short-rate is a cancellation fee that’s up to 10% of your car insurance policy.

There are many reasons why you may need to cancel. The American Hallmark Insurance agency and many other companies want to keep your business, so they’ll see if you’re eligible for discounts, such as bundling insurance.

According to the Federal Trade Commission, car insurance companies give better deals to customers who have good credit.

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American Hallmark Insurance Company Insurance Rates Breakdown

Driver ProfileAmerican Hallmark Insurance Company of TexasNational Average
Clean Record$135$119
1+ Ticket$165$147
1+ Accident$195$173
DUI$235$209
Poor Credit$232$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Let’s examine the average annual rates for car insurance in each state where you can get American Hallmark car insurance.

Average Annual Rates by Coverage Type in States that have American Hallmark Auto Insurance

States Average Annual Liability Rates Average Annual Collision Rates Average Annual Comprehensive Rates Average Annual Full Coverage Rates
Arizona $543 $281 $189 $1,013
Arkansas $412 $328 $197 $937
Nevada $716 $308 $115 $1,139
New Mexico $510 $279 $175 $964
Oklahoma $470 $318 $227 $1,014
Tennessee $427 $314 $148 $889
Texas $550 $380 $207 $1,137

New Mexico has the cheapest full coverage auto insurance, while Nevada has the most expensive car insurance.

American Hallmark Insurance Company Discounts Available

DiscountAmerican Hallmark Insurance Company of Texas
Anti Theft15%
Good Student20%
Low Mileage18%
Paperless8%
Safe Driver25%
Senior Driver15%

You could be eligible for the following discounts with American Hallmark car insurance:

  • Multi-car discount
  • Homeowner discount
  • Multi-policy discount
  • Prior coverage discount
  • Recurring payment discount
  • Foreign driver’s license discount

To learn about more American Hall car insurance discounts, contact the company directly.

How American Hallmark Insurance Company Ranks Among Providers

American Hallmark Insurance Company of Texas operates in a competitive insurance landscape, facing competition from several key players in the industry. These competitors offer a range of insurance products, striving to attract customers with various coverage options and pricing structures. Understanding the main competitors can provide consumers with valuable insights when making insurance decisions.

  • State Farm Insurance: A major player in the insurance industry, State Farm offers a comprehensive range of insurance products, including auto, home, and life insurance.
  • Allstate Insurance: Known for its wide variety of insurance offerings, Allstate is a prominent competitor, providing coverage for auto, home, renters, and more.
  • Progressive Corporation: Progressive is recognized for its innovative approach to auto insurance, offering services like usage-based insurance and competitive rates.
  • Geico (Government Employees Insurance Company): Geico is widely known for its direct-to-consumer model and extensive advertising campaigns, providing various insurance products, with a focus on auto insurance.
  • Farmers Insurance Group: Farmers Insurance offers a diverse range of insurance products, including auto, home, life, and business insurance, catering to the needs of a broad customer base.

In the dynamic landscape of insurance providers, American Hallmark Insurance Company of Texas competes with well-established companies that have a national presence. Consumers are encouraged to compare offerings from these main competitors to make informed decisions based on coverage needs, pricing, and overall customer satisfaction.

Discover the Effortless Way to File Claims With American Hallmark Insurance Company of Texas

Ease of Filing a Claim

American Hallmark Insurance Company of Texas offers multiple channels for filing claims, providing policyholders with flexibility. Whether you prefer the convenience of online submission, the personal touch of over-the-phone assistance, or utilizing mobile apps, the company caters to various preferences in the claims reporting process.

Average Claim Processing Time

The speed at which an insurance company processes claims is crucial for customers dealing with unforeseen events. American Hallmark Insurance Company of Texas strives for efficient claim processing, with an average timeframe that aligns with industry standards. Timely handling of claims contributes to customer satisfaction and aids in the swift resolution of issues.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a vital role in assessing an insurance company’s performance in handling claims. American Hallmark Insurance Company of Texas has garnered positive reviews for its commitment to fair and prompt claim resolutions. Policyholders appreciate the company’s transparency and responsiveness, factors that contribute to a positive overall claims experience.

Unleashing Cutting-Edge Digital and Technological Features With American Hallmark Insurance Company of Texas

Mobile App Features and Functionality

American Hallmark Insurance Company of Texas recognizes the importance of mobile technology in enhancing customer experience. The company’s mobile app is designed with user-friendly features, allowing policyholders to access their accounts, file claims, and receive updates on the go.

The app’s functionality extends beyond basic features, providing a comprehensive and convenient tool for managing insurance-related tasks.

Online Account Management Capabilities

Efficient online account management is a cornerstone of modern insurance services. American Hallmark Insurance Company of Texas offers robust online account management capabilities, empowering policyholders to view and update their policies, make payments, and access important documents with ease. The user-friendly interface contributes to a seamless digital experience.

Digital Tools and Resources

In an era driven by digital innovation, American Hallmark Insurance Company of Texas stays ahead by providing policyholders with a suite of digital tools and resources. From educational materials to interactive tools that help customers understand their coverage better, the company’s commitment to leveraging technology enhances the overall insurance experience for its clientele.

American Hallmark Insurance Company of Texas combines effortless claims processing with cutting-edge digital features, ensuring a seamless experience for policyholders. From versatile claims filing options to user-friendly mobile apps and online account management, the company prioritizes customer satisfaction through convenience and innovation.

Frequently Asked Questions

How much is American Hallmark Insurance Services’ car insurance, and is it competitive compared to major companies?

American Hallmark Insurance Services does not publicly list their car insurance rates. To obtain the latest rates, it’s recommended to contact one of their independent agents for personalized quotes.

In which states is American Hallmark Insurance available, and do they use independent agents?

American Hallmark Insurance is available in Arizona, Nevada, New Mexico, Oregon, Texas, Utah, and Washington. The company utilizes independent agents to sell car insurance outside of Texas, primarily in the southwestern and northwestern United States.

What types of coverage does American Hallmark car insurance offer, and is it suitable for drivers seeking liability coverage only?

American Hallmark car insurance provides standard coverage options, with a focus on simplicity for drivers seeking liability coverage. They also offer additional options, including non-owner car insurance and short-term coverage.

How can I cancel an American Hallmark car insurance policy, and are there any associated penalties?

To cancel a car insurance policy with American Hallmark, you can contact your auto insurance company and inform them of your decision. However, be aware that you may face penalties, such as a cancellation fee, which can range from $25 or more. Some companies may also impose a short-rate fee, up to 10% of the policy.

Are there any discounts available with American Hallmark car insurance, and how can I learn more about them?

American Hallmark car insurance offers various discounts that policyholders may be eligible for. To learn more about these discounts, it is recommended to contact the company directly for detailed information on available savings opportunities.

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Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ...

Insurance Content Team Lead

Diego Anderson

Licensed Real Estate Agent

Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. With a focus on residential dual agency, he has a passion for supporting and educating families on their home buying and selling decisions. He is no stranger to new builds and new developments. He also r...

Licensed Real Estate 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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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