How do I file a claim with Falcon Insurance?

Falcon provides a few ways for its customers to file a claim. Before filing, make sure you have any relevant information on hand. That will include, but may not be limited to, your personal identification information and details about the vehicles and circumstances involved in the incident. Once you’re ready to file, you can do so by using one of the following options: Submitting a claim report online Logging into the policy management portal and reporting it there Calling 1-800-292-3252 which is available Monday through Friday from 8 a.m. to 8 p.m. CST and Saturday through Sunday from 8 a.m. to 4 p.m. Emailing claims@FalconInsGroup.com

Is Falcon Insurance a sustainable company?

Falcon Insurance does not speak much to corporate sustainability within its webpage, so it can be challenging to assess how the company fares in this category. Still, it does maintain an active Facebook page wherein the company offers regular advice and tips to drivers. It also uses this platform to share important information about vehicle recalls and safety statistics provided by the National Highway Traffic Safety Administration (NHTSA).

An SR-22 is a document that provides proof of insurance. These documents are primarily used for drivers who have been caught driving without the legal minimum of insurance or who have committed serious traffic violations. The courts may require the driver to carry more than the usual mandatory minimum, depending on the state and the circumstances.

Why doesn’t Falcon have a Bankrate Score?

At Bankrate, we strive to provide comprehensive reviews and ratings for a wide array of insurance companies. However, it's not always possible to assign a Bankrate Score to every insurer. This can be due to various reasons, including the scale of the company or the nature of its insurance products and partnerships. In some cases, insurers like Falcon might not be reviewed if they have a more limited geographical reach or if they specialize in niche markets that don't align with our broader audience. Additionally, when companies work with multiple third-party underwriters, the consistency and quality of policies can vary, making it challenging to provide a singular, reliable score. As such, for a more detailed understanding of Falcon's offerings, we encourage potential customers to directly engage with the company and consider multiple sources of information when making insurance decisions.

Falcon Insurance review 2024

Written by

Ashlyn Brooks

Edited by

Natasha Cornelius, CLU

Edited by

Natasha Cornelius, CLU

Updated Nov 13, 2024

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

Bankrate's take

Policyholders who need high-risk car insurance coverage or an SR-22 filing and also value digital tools might consider Falcon Insurance as their company of choice.

Offers coverage for a wide range of drivers, including those needing SR-22 filings
Highly rated mobile app for Apple and Android
Discounts available, such as multi-car and paid in full
Prioritizes local agents for customers who value face-to-face interaction

Falcon car insurance review

Falcon Insurance could be a good fit for drivers who have trouble finding car insurance coverage through traditional carriers due to their insurance-based credit score, driving record or insurance history. Because the company has a highly rated mobile app and online policy management system, drivers who prefer hands-on control of their policy might also find Falcon Insurance appealing. However, the company may have some issues related to its level of customer service, and its coverage options are limited. This Falcon Insurance review may help you decide if this carrier can meet your needs.

Falcon car insurance is available in seven states: Arizona, Colorado, Illinois, Indiana, Oklahoma, Texas and Utah. It provides standard liability insurance, meeting the minimum coverage mandates of the states mentioned above. Underinsured and uninsured motorist coverage is also available in the states that require these types of coverage. The company also offers comprehensive and collision coverage, enabling drivers to opt for fuller protection. Additionally, Falcon can facilitate the filing of an SR-22 form as necessary.

Pros and cons of Falcon Insurance

You may want to review a company’s pros and cons when comparing car insurance rates. This visualization may help you differentiate one company from the next and could also help you nail down the features that are most important to you in an insurance policy.

Pros

May offer policies to those who can’t find coverage elsewhere, including SR-22 filings
Mobile app is highly rated
More than 1,200 agents available in brick-and-mortar offices for those who like to do business in person

Cons

Not available nationwide
Customer service is not 24/7
Receives more than twice the average amount of NAIC complaints

Falcon car insurance cost

Car insurance rates can vary widely based on a range of factors, including the driver's history, the type of vehicle insured and the level of coverage selected. According to Quadrant Information Services, the 2024 national average annual premium for full coverage is around $2,542, while the average for minimum coverage is approximately $740.

For Falcon Insurance specifically, average rate information is not readily available. Those interested in understanding the potential costs associated with Falcon car insurance are encouraged to reach out directly to the company for a personalized quote. This approach will provide the most accurate estimate based on individual circumstances and coverage needs.

Falcon customer satisfaction

To evaluate an insurance company’s customer satisfaction, Bankrate studies a few metrics, including J.D. Power scores (when available) and the rate of complaints filed with the National Association of Insurance Commissioners (NAIC). J.D. Power scores are granted on a points-based system, with 1,000 being the best score possible. To measure a company’s rate of complaints, the NAIC issues insurance companies an “index score.” This index score represents the number of complaints a company has received compared to the average (or baseline), which is set at 1. However, Falcon Insurance is not currently scored or rated with J.D. Power or AM Best.

Falcon Insurance customer complaints

The NAIC rates insurance companies based on customer complaints using a scoring system. A score of 1 indicates an average number of complaints, while scores above 1 suggest more complaints than average, and scores below 1 indicate fewer. It's worth noting that an insurance company can have different NAIC scores for various product categories, such as private passenger car insurance.

For the last three years, Falcon Insurance has scored worse than the industry average in customer complaints regarding its private passenger auto insurance products.

Falcon Insurance car insurance discounts

If you are looking for the cheapest car insurance company, Falcon Insurance offers a few discounts that may help you save. Many of the discounts provided by Falcon are relatively standard options for auto insurance carriers, but the company also offers a less common transfer discount.

Homeowners discount: Drivers who own homes might qualify for a discount on their auto policy.
Pay in full discount: Opting to pay policy premiums in a single lump sum rather than monthly installments could lead to a paid-in-full discount.
Multi-vehicle discount: Insuring two or more vehicles under a Falcon policy may make you eligible for a multi-car discount.
Transfer discount: Switching your coverage from another provider to Falcon might result in a transfer discount.

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Compare Falcon Insurance with other insurers

As a company specializing in high-risk car insurance, Falcon may not be the best for all drivers. It may also not be available in your area. If you aren’t sure if Falcon Insurance is a good fit, you might consider requesting quotes from the companies below:

Falcon Insurance vs. The General

The General Insurance is another option for those seeking high-risk car insurance. It provides a wide range of coverage options and discounts. Additionally, it offers more than just car insurance — in most states, you can purchase motorcycle insurance, pet insurance, life insurance and more through this carrier.

Learn more: The General Insurance review

Falcon Insurance vs. Dairyland

This option for high-risk drivers is available in 38 states, offers several discounts, provides a greater number of coverage options (including gap insurance) and earned an A+ (Superior) rating from A.M. Best. It also offers motorcycle and ATV insurance.

Learn more: Dairyland Insurance review

Falcon Insurance vs. State Farm

According to our research, State Farm may be among the best car insurance companies, and it may be a good choice for those working to clean up their driving habits through the company’s telematics program Drive Safe and Save. While it offers car insurance in the majority of the U.S., some drivers may not qualify for a policy, depending on their rating factors.

Learn more: State Farm Insurance review

Why you can trust Bankrate

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Falcon Insurance review.

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

Is Falcon a good insurance company?

Maybe, but it depends on where you live and what you need in a car insurance policy. Falcon Insurance car insurance could be an excellent choice if you need an SR-22 filed with the DMV and cannot find coverage with a standard carrier. If you live outside the areas where it writes coverage or value customer service above all else, you may need to look elsewhere.

In general, Falcon Insurance may be a better choice for those with infractions on their driving records than for those with clean driving records. The company has insurance products focused on high-risk drivers, and while this can provide much-needed access to such drivers, it can also correlate to a higher cost of premiums.

What are real-life customers saying about Falcon?

To provide a comprehensive view of Falcon's insurance offerings, we've gathered insights from real-life customers, sharing their experiences and opinions. While platforms like these are not dedicated review sites, they offer a space for open discussion and exchange, allowing users to share their personal encounters with insurance companies, including Falcon. These firsthand accounts can serve as valuable resources for potential customers looking to understand the nuances of Falcon's customer service, claim handling and overall satisfaction from a user perspective.

Given Falcon's status as a smaller insurance entity, reviews were somewhat sparse. However, the feedback available on Yelp presents a challenging picture, with customers expressing frustration over claims processing and communication issues. One review recounts a prolonged claim process following an accident, with repeated delays attributed to awaiting statements from the insured party. Another customer describes difficulties in claim recognition and prolonged payout times despite ultimately receiving compensation for their vehicle.

While these reviews lean towards the negative, it's crucial to remember that individuals are generally more motivated to share their experiences after negative encounters. Positive interactions often go unreported, suggesting that these reviews, while valuable, might not fully represent the typical customer experience with Falcon. Taking negative feedback with a grain of caution can provide a more balanced perspective when evaluating an insurance provider.

Falcon company details

If you are interested in contacting Falcon, here are a few ways to do so:

General phone number: 1-800-929-3252
Website: falconinsgroup.com
Claims email: claims@FalconInsGroup.com
Mailing address for company

P.O. Box 3577
Oak Brook, IL 60522

State availability

Falcon Insurance provides car insurance coverage in AZ, CO, IL, IN, OK, TX and UT.

Falcon tools and benefits

While Falcon Insurance products and services are focused solely on auto insurance, including non-standard car insurance, there are some perks and tools within that category that may benefit drivers.

Filing SR-22 forms: Drivers can pay to file an SR-22 certificate through Falcon Insurance if they live in a state where the form is required. SR-22s show that a driver has purchased the minimum insurance required by law to drive in the state legally.
Mobile app: Falcon Insurance does offer a mobile app for convenient policy management on the smartphone or tablet. The app receives 4.8 out of 5 stars through the App Store and 4.6 stars on the Google Play Store. It offers claim filing, bill paying, agent information and other important features.

Frequently asked questions about Falcon Insurance

Falcon provides a few ways for its customers to file a claim. Before filing, make sure you have any relevant information on hand. That will include, but may not be limited to, your personal identification information and details about the vehicles and circumstances involved in the incident. Once you’re ready to file, you can do so by using one of the following options:
- Submitting a claim report online
- Logging into the policy management portal and reporting it there
- Calling 1-800-292-3252 which is available Monday through Friday from 8 a.m. to 8 p.m. CST and Saturday through Sunday from 8 a.m. to 4 p.m.
- Emailing claims@FalconInsGroup.com
Falcon Insurance does not speak much to corporate sustainability within its webpage, so it can be challenging to assess how the company fares in this category. Still, it does maintain an active Facebook page wherein the company offers regular advice and tips to drivers. It also uses this platform to share important information about vehicle recalls and safety statistics provided by the National Highway Traffic Safety Administration (NHTSA).
An SR-22 is a document that provides proof of insurance. These documents are primarily used for drivers who have been caught driving without the legal minimum of insurance or who have committed serious traffic violations. The courts may require the driver to carry more than the usual mandatory minimum, depending on the state and the circumstances.
At Bankrate, we strive to provide comprehensive reviews and ratings for a wide array of insurance companies. However, it's not always possible to assign a Bankrate Score to every insurer. This can be due to various reasons, including the scale of the company or the nature of its insurance products and partnerships. In some cases, insurers like Falcon might not be reviewed if they have a more limited geographical reach or if they specialize in niche markets that don't align with our broader audience. Additionally, when companies work with multiple third-party underwriters, the consistency and quality of policies can vary, making it challenging to provide a singular, reliable score. As such, for a more detailed understanding of Falcon's offerings, we encourage potential customers to directly engage with the company and consider multiple sources of information when making insurance decisions.