Falcon Insurance review 2023

Falcon Insurance car insurance

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 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 offers standard liability insurance, including the minimum coverage required by the states it currently operates. Underinsured and uninsured motorist coverage are also available in the states that require these types of coverage. Falcon has comprehensive and collision coverage options, allowing drivers to obtain a full coverage policy. The provider will also file an SR-22 form on your behalf when needed.

Pros and cons of Falcon Insurance car insurance

You may want to review a company’s pros and cons when comparing car insurance rates. This visualization may not only help you differentiate one company from the next, but it could also help you nail down the features that are most important to you in an insurance policy.

Falcon Insurance car insurance cost

Auto insurance rates are based on your specific rating factors, so you could pay more or less than average. Falcon Insurance rates are not available, so you will need to contact a local agent for more information on their pricing.

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, including:

Falcon Insurance car tools and benefits

Falcon Insurance car insurance focuses solely on providing auto insurance coverage and offers no other insurance policies or options.

Falcon Insurance 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 ranks many major insurance companies in subjects such as overall customer satisfaction, claims satisfaction, and digital experience. These third-party scores are granted on a points-based system, with 1,000 being the best score possible — the higher the score, the more satisfied its customers might be.

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). For instance, the baseline index score is 1.0. An index score higher than 1.0 means that a company gets more complaints than average, and a score less than 1.0 means that it received fewer complaints than average.

Falcon Insurance auto satisfaction

J.D. Power did not include Falcon Insurance in any of its 2022 insurance studies — this is not uncommon for smaller, regional carriers. However, the company does have twice the number of NAIC customer complaints than you would expect from a carrier of Falcon’s size. Shoppers who prioritize customer service may want to speak with friends or family insured with Falcon to get an idea of what it’s like to carry auto insurance with this company.

How to file a claim with Falcon Insurance

Filing a car insurance claim should be a straightforward process. Most often, your insurance company will ask for basic details, such as the vehicle and driver information for everyone involved in the accident. Additionally, it may ask for related documents, like a police report or photos taken at the accident scene.

When you’re ready to file an auto claim with Falcon Insurance, you can do so by:

• 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 availability

Falcon Insurance car insurance is available in seven states, including:

• Arizona
• Colorado
• Illinois
• Indiana
• Oklahoma
• Texas
• Utah

Other Falcon Insurance perks worth considering

Falcon offers no-frills non-standard car insurance. However, it does have a couple of perks that you may be interested in, including:

• 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 legally drive in the state.
• 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.

Falcon Insurance corporate sustainability

There is limited information regarding the charitable causes and community involvement Falcon Insurance participates in. The focus on the website is centered around providing coverage to those who are often unable to obtain it through other standard car insurance providers. However, the Falcon Insurance Facebook page is active and does provide numerous driving tips on a regular basis, including important information regarding vehicle recalls and safety statistics provided by the National Highway Traffic Safety Administration (NHTSA).

Not sure if Falcon Insurance is right for you?

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 37 states, 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 all 50 states, some drivers may not qualify for a policy, depending on their rating factors.

Learn more: State Farm Insurance review

Is Falcon Insurance 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.