Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
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Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
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editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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
Like all insurers, Falcon has strengths and weaknesses, which are detailed in this Falcon car insurance review. The company focuses on high-risk drivers who may need an SR-22, and could be a good fit for drivers in this category who are having trouble finding an insurer willing to work with them. Unlike many regional insurers, Falcon has robust digital tools that are highly rated on both Google Play and the App Store. That could make them a good choice for drivers who wish to manage their policy online, rather than through a local agent.
Falcon's limited availability may be a drawback for some. This regional insurer only sells policies in seven states: Arizona, Colorado, Illinois, Indiana, Oklahoma, Texas and Utah. If you live outside of their service area, you will want to look at other companies for your insurance. Falcon offers limited coverage options in addition to the minimum requirements of the states in which it does business. Falcon car insurance reviews online tend to be negative, and the company has a higher-than-average number of complaints filed with the NAIC. Your own experience, of course, may differ, and it might be a good idea to ask for the opinion of others who have Falcon coverage.
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 national average annual premium for full coverage is around $2,685, while the average for minimum coverage is approximately $800.
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.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.67 to 3.12.
End of interactive chart.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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.
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.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
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:
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 4.7 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:
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, often called SR-22 insurance though it's not actually insurance, is a form that testifies that you have the required amount of coverage to legally drive in your state. Most drivers don't need them, but if you have marks on your license, you may be required to have this document filed with your state's Department of Motor Vehicles. You do this by requesting your insurance company to generate and send the form to the DMV; there may be a small fee involved. Some insurers will not work with drivers who need an SR-22, and if this is the case for you, you will need to shop around to find a carrier that will supply the needed form. Filing an SR-22 is never optional. If you are required to have your insurer submit one to the DMV, it is mandatory, and failing to do so could lead to penalties. In some cases, you may need to purchase more than your state's minimum required coverage in order to fulfill the SR-22 requirements.
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.
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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