American Access Casualty Company vs. Hallmark Financial: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Hallmark Financial offers significantly cheaper rates than American Access Casualty Company
• American Access Casualty Company offers more discounts than Hallmark Financial
• Hallmark Financial has more affordable premiums for residents of urban areas

American Access Casualty Company vs. Hallmark Financial: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to American Access Casualty Company or Hallmark Financial as your top options, but between the two, which one will save you the most?

Looking at nationwide averages, American Access Casualty Company has average rates that are about 24% per month more expensive than those from Hallmark Financial.

Even so, that doesn't necessarily mean Hallmark Financial will be the less expensive option for every single driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

Wanting to know if American Access Casualty Company or Hallmark Financial is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

American Access Casualty Company or Hallmark Financial: Average Car Insurance Rates by State

American Access Casualty Company and Hallmark Financial only compete against each other in Nevada, where Hallmark Financial offers the cheaper average prices. For Nevada residents, Hallmark Financial offers auto insurance for $123 per month on average. American Access Casualty Company's average premiums come out to be over 70% more expensive, at $279 a month.

That being said, there's a lot more that goes into your car insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Hallmark Financial save more than $250 a month compared to those who use American Access Casualty Company.

But with both carriers, you'll see your prices lower significantly by the time drivers turn 25. For example, average premiums for American Access Casualty Company policyholders drop nearly 70% and Hallmark Financial's prices decrease over 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

But who has the best premiums for retired drivers between American Access Casualty Company and Hallmark Financial? Hallmark Financial gets the edge, with rates for drivers 65 and older $42 more affordable than the national average for American Access Casualty Company.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single policyholders than they are for married couples. That's because policies for married policyholders typically cover several cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Hallmark Financial is the clear winner for single drivers, with premiums around $88 per month cheaper than American Access Casualty Company, on average. For married drivers, the advantage is clear again - Hallmark Financial has the edge when it comes to average rates.

American Access Casualty Company vs. Hallmark Financial: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for car insurance than women.

With American Access Casualty Company, men typically pay almost $30 a month more than women, and about $20 with Hallmark Financial.

Looking at overall affordability, Hallmark Financial offers the cheapest average premiums for both men and women, with average rates 25% less for men and 24% cheaper for women.

American Access Casualty Company or Hallmark Financial: Compare State Minimum vs. Full Coverage Rates

*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 pretty complicated. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum liability insurance, Hallmark Financial usually offers significantly less expensive prices of $115 compared to American Access Casualty Company's $199. When it comes to full coverage policies with similar limits, Hallmark Financial again has the edge, with policies around $55 per month more affordable than American Access Casualty Company, on average.

Is American Access Casualty Company or Hallmark Financial Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two companies offers the lowest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their rates to go up an average of $23 a month if they get a ticket, while Hallmark Financial generally raises prices about $14 per month, on average.

That being said, Hallmark Financial tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 18% less expensive for drivers with clean records and 20% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

American Access Casualty Company drivers who get in an accident can expect to see their rates increase by just under 30%, while those who have insurance through Hallmark Financial will see around a 15% increase.

Overall, Hallmark Financial offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $229 compared to American Access Casualty Company's $332.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. For example, American Access Casualty Company increases average rates by over $50 a month -- that's just under a 20% increase.

If you have a DUI on your record and are looking for more affordable premiums, Hallmark Financial tends to be the much less expensive option with average prices of $212 monthly compared to $288 from American Access Casualty Company.

How does Credit Score Impact American Access Casualty Company and Hallmark Financial Rates?

Did you know that many insurance carriers take your credit score into account when calculating rates? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

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

Looking at American Access Casualty Company and Hallmark Financial specifically, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company or Hallmark Financial Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Typically, the more miles you put on your vehicle, the more you can expect to pay for coverage.

In this case, neither American Access Casualty Company or Hallmark Financial report increasing premiums for drivers with higher annual mileage figures. Even so, Hallmark Financial comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $211 per month for both.

American Access Casualty Company vs. Hallmark Financial: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a considerable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads in those areas.

Looking at these carriers side-by-side, Hallmark Financial boasts the cheapest average premiums in rural and urban areas, while American Access Casualty Company wins in suburban areas.

In urban areas, Hallmark Financial's average rates are about $225 a month compared to American Access Casualty Company's $411. People in suburban areas pay a monthly premium of around $145 with American Access Casualty Company compared to $229 with Hallmark Financial. Those in rural areas can expect to pay about $178 a month with Hallmark Financial compared to American Access Casualty Company's $282.

American Access Casualty Company vs. Hallmark Financial Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've compared all of the different discounts offered by American Access Casualty Company and Hallmark Financial so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, American Access Casualty Company comes out ahead with six discounts to Hallmark Financial's four.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver and passive restraint discounts -- but American Access Casualty Company also offers good driving discounts, multi-car discounts, prior insurance discounts, and more that Hallmark Financial does not.

On the flip side, Hallmark Financial has a couple unique discounts of its own -- education discounts and foreign license discounts.

Final Thoughts: Is American Access Casualty Company or Hallmark Financial Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is American Access Casualty Company or Hallmark Financial the best carrier for you, your vehicle, and your wallet?

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

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

American Access Casualty Company might be best for you if...

• You want to save extra money with discounts.
• Your home is located in the suburbs.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company and Hallmark Financial and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just American Access Casualty Company and Hallmark Financial. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Hallmark Financial FAQs

Is American Access Casualty Company or Hallmark Financial cheaper?

Looking just at the national average prices, Hallmark Financial is the cheaper of the two companies, offering average rates of $211 per month compared to $279 for American Access Casualty Company. But Hallmark Financial won't necessarily be the lowest carrier for each driver, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Hallmark Financial?

Sadly, the answer truly is "it depends.". No one company is "better" for every driver -- it all comes down to what your unique insurance profile looks like.

Why do American Access Casualty Company and Hallmark Financial offer me different rates?

Auto insurance carriers take a look at a lot of different factors when determining the premiums they charge drivers. Variables such as where you live, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both American Access Casualty Company and Hallmark Financial calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if American Access Casualty Company or Hallmark Financial is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be American Access Casualty Company or Hallmark Financial at all!

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.