AAA vs. Hallmark Financial: Which Company is the Best Fit for You?

Want to know if AAA or Hallmark Financial is the better choice for car insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Hallmark Financial offers significantly less expensive rates than AAA
  • AAA may help you save more money -- they offer more discounts than Hallmark Financial
  • Hallmark Financial offers cheaper average prices for residents of suburban areas


AAA or Hallmark Financial: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering sizable savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to AAA or Hallmark Financial, but between the two, which one will save you the most?

AAA Hallmark Financial
$314$211

Looking at the national average rates for both carriers, AAA is quite a bit more expensive than Hallmark Financial, with rates averaging $314 a month compared to just $211 with Hallmark Financial.

That being said, that doesn't mean Hallmark Financial will necessarily be more affordable than AAA for every single driver. Auto insurance companies vary their prices depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and all sorts of other factors, so premiums could differ drastically from person to person.

So, if you want to find out which of AAA or Hallmark Financial is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

AAA vs. Hallmark Financial: Average Car Insurance Rates by State

State AAA Hallmark Financial
AR$212$211
NV$275$123

AAA and Hallmark Financial only compete against each other in two states, with Hallmark Financial offering less expensive premiums to the average driver in all of them. Nevada has the most noticable difference, where Hallmark Financial prices are $152 more affordable than car insurance premiums at AAA.

There are plenty of other factors that go into your insurance cost than just your home state. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

AAA Hallmark Financial
18-year-old drivers$689$478
25-year-old drivers$276$184

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Hallmark Financial save over 30% per month compared to those who use AAA.

Even so, both carriers will offer you dramatically lower rates by the time you turn 25. Hallmark Financial offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. AAA's average prices reduce almost 60% during that same period.

Which is the Best Company for Retired Drivers?

AAA Hallmark Financial
65+-year-old drivers$238$154

Drivers around retirement age normally enjoy some of the lowest auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between AAA and Hallmark Financial? Hallmark Financial gets the edge here, with average premiums coming in at around $154 a month compared to AAA's $238.

Which is the Best Company for Married Drivers?

AAA Hallmark Financial
Single$369$255
Married$239$151

Did you know that car insurance rates are typically more expensive for single policyholders than they are for married policyholders? That's usually because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Hallmark Financial premiums coming in at a third less than AAA's. The advantage is also clear for married drivers - Hallmark Financial offers the most affordable average rates.

AAA or Hallmark Financial: Average Rates by Gender

AAA Hallmark Financial
Male$331$221
Female$297$201

Did you know women generally pay less for auto insurance than men? That's because women are less likely to get speeding tickets and get into collisions, which lowers the chances of filing a claim with insurance.

On average, women see prices more than 10% a month less with AAA, and nearly 10% less with Hallmark Financial when compared to their male counterparts.

Looking at overall affordability, Hallmark Financial offers the cheapest average rates for both men and women, with average premiums $110 less for men and $96 cheaper for women.


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AAA vs. Hallmark Financial: Compare State Minimum vs. Full Coverage Rates

AAA Hallmark Financial
State Minimum*$169$115
Full Coverage**$459$306

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

It's no secret that insurance can be a complicated subject for most people. There are multiple different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, Hallmark Financial has the significant edge, with average monthly prices coming in at $115. If you want a full coverage policy with the same state minimum limits, Hallmark Financial again has the edge, with policies averaging about $306 per month to AAA's $459.

Is AAA or Hallmark Financial Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Speeding tickets and at-fault accidents will most likely raise your rates, but is AAA or Hallmark Financial cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Hallmark Financial
Clean Record$213$194
1 Speeding Ticket$299$208

Policyholders who use AAA for their insurance can normally expect their monthly bill to go up around 29% after getting a speeding ticket. Hallmark Financial policyholders can expect a less drastic increase of about 7%.

However, Hallmark Financial tends to offer the best prices for both drivers who have clean records and those with a recent ticket. With Hallmark Financial, drivers with a clean record can save around $19 a month and drivers with a speeding ticket can save about $91 per month.

Which Company is Best for Drivers After an Accident?

AAA Hallmark Financial
Clean Record$213$194
1 At-Fault Accident$339$229

Both companies will increase premiums pretty significantly if you get into an at-fault collision with AAA climbing by around 37%. Hallmark Financial has a less extreme climb, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, Hallmark Financial offers the most affordable rates for drivers with an at-fault collision on their records, with average prices coming in at $229 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

AAA Hallmark Financial
Clean Record$213$194
1 DUI$403$212

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, AAA will raise your premiums about 47% after a DUI, while Hallmark Financial's average rates climb by nearly 10%.

But if you end up with a DUI charge and are looking for more affordable prices, Hallmark Financial tends to be less expensive for the average driver, with monthly premiums coming in at around $212 to AAA's $403.


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How does Credit Score Impact AAA and Hallmark Financial Rates?

Did you know many insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few drivers.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

AAA Hallmark Financial
Excellent Credit Score$185$180
Good Credit Score$247$195

If you have a great credit score, Hallmark Financial will normally reward you the most. For policyholders with "excellent" credit scores, Hallmark Financial comes in NaN cheaper. Drivers with "good" credit scores generally save about 21% with Hallmark Financial compared to average rates from AAA.

Which Company is Best for Drivers with Bad Credit?

AAA Hallmark Financial
Fair Credit Score$304$209
Poor Credit Score$539$259

Hallmark Financial typically offers lower premiums than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 31% a month less with Hallmark Financial compared to AAA, and those with "poor" scores typically save an average of about 52% per month.


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Is AAA or Hallmark Financial Better for Drivers who Work from Home or Have Short Commutes?

AAA Hallmark Financial
6,000 Annual Miles$307$211
12,000 Annual Miles$320$211

Did you know that the amount of time you spend in your car have a large impact on how much auto insurance carriers will charge for coverage? Usually, the more milage you drive, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Hallmark Financial charges. However, there's a small difference in monthly prices for AAA, with policyholders who drive the least paying around $13 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Hallmark Financial is the less expensive company.

AAA or Hallmark Financial: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

AAA Hallmark Financial
Urban Areas$384$225
Suburban Areas$301$229
Rural Areas$256$178

When comparing these two companies side-by-side, Hallmark Financial typically comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 30% with Hallmark Financial compared to AAA. People who live in suburban areas pay around 24% less with Hallmark Financial compared to AAA. For drivers in urban ZIP codes, Hallmark Financial's average rates are about 41% less than AAA Insurance.

AAA vs. Hallmark Financial Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts AAA and Hallmark Financial offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

AAA Hallmark Financial
AAA Discount 
Academic Discount 
Advance Quote Discount 
Anti-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
DriveSharp Discount 
Education Discount 
EFT Discount 
Employee Discount 
Foreign License Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount 
Group Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Mature Driver Discount 

AAA knocks Hallmark Financial out of the park when it comes to the sheer number of discounts available, offering 29 more discounts than Hallmark Financial.

A couple of those are overlapping for things like discounts for being a defensive driver and passive restraint discounts. AAA also offers discounts for AAA, academic, advance quote, and more.

On the other hand, Hallmark Financial has a few proprietary discounts of their own like education discounts and foreign license discounts.


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Final Thoughts: Is AAA or Hallmark Financial Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best company for you and your specific profile and needs?

Hallmark Financial might be best for you if....

  • Your driving record contains an at-fault collision.
  • You want the most robust protection via a "full coverage" policy.
  • You are purchasing your car insurance with a spouse.


AAA might be best for you if...

  • You care about discounts (Aaa offers the most).

Hopefully, this guide has ben a valuable resource as you compare AAA and Hallmark Financial. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from a handful of companies, not just AAA and Hallmark Financial. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.


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AAA vs. Hallmark Financial FAQs

Is AAA or Hallmark Financial cheaper?

Hallmark Financial is the cheaper of the two companies when looking at national average prices, with policies averaging $211 per month with Hallmark Financial and $314 for AAA. But that doesn't mean Hallmark Financial will be the most affordable company for each driver, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Hallmark Financial?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do AAA and Hallmark Financial offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the rates they charge. Factors such as where you live, gender, age, where you park your car, and sometimes even things like your credit score can all be used. Both AAA and Hallmark Financial calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different companies.

How do I know if AAA or Hallmark Financial is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't AAA or Hallmark Financial at all, but another you hadn't even thought of!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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