Falcon Insurance Review
- With 1.0/5 stars in 2025, Falcon is a poor insurance company.
- Read Falcon reviews, complaints and prices before you buy.
Falcon insurance: Ratings and reviews
Falcon Insurance Company is a regional carrier offering auto insurance policies in seven states across the country (AZ, CO, IL, IN, OK, TX, UT). They can provide the state minimum required coverage for each of these locations, and a local independent agent (they work with over 1,200 partner agents) can help you decide on the right fit for your specific needs. Falcon works to make auto insurance attainable for drivers with a less-than-stellar record behind the wheel, so if you're in need of an SR-22, for example, they'll work to get you exactly what you require.
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Offers insurance for hard-to-cover drivers
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Mobile app available
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Limited availability (seven states)
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Only offers auto insurance
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Above average number of customer complaints
Is Falcon a good insurance company?
The majority of The Zebra's review incorporates how well Falcon scores in terms of customer service. In order to determine that we looked at the following third-party ratings. Keep in mind that Falcon's overall score is impacted by the fact that it lacks ratings from several of our sources.
BBB Customer Reviews: 1.04/5
- Falcon has a 1.04/5 rating from Better Business Bureau customers[1]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Falcon[2]
Financial Stability: Not rated
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Falcon for it to be included.
How much does Falcon insurance cost?
Unfortunately, Falcon's pricing data is not widely available, which is an important part of our review process. If you're interested in a quote from Falcon for auto insurance coverage, be aware that the following factors (and possibly others) will be taken into consideration when any insurer calculates rates:
- Age
- Driving history
- Credit score (in most states)
- Location
- Annual mileage
- Marital status
- Coverage level
We always suggest getting multiple auto insurance quotes to compare and see who offers the best coverage for your specific needs.
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Discounts offered
Falcon isn't fully transparent about all of its discount opportunities, but does state it offers the following methods to save:
- Homeowners: If you own your own home, you can get a homeowner discount.
- Multi-car: Insure multiple vehicles under one policy to qualify for this popular discount.
- Paid in full: Save some money by paying for your policy in full rather than monthly payments.
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What types of coverage does Falcon offer?
One important component of Falcon's review is the types of coverage options they offer. Although Falcon's website lacks detailed information about coverage options and add-ons, it appears that they can fulfill required state minimums and potentially customize your policy.
They'll be able to offer standard coverage for bodily injury liability, property damage liability and uninsured motorist coverage (if required by the state).
The company holds four main tenets: simplicity, creativity, integrity, and efficiency. Falcon wants to make car insurance attainable for drivers despite their history behind the wheel and can offer the right coverage to meet your needs.
Where is Falcon available?
Falcon only offers auto insurance, so if you're looking for a company to bundle with home, renters or another policy type, this won't be the best option. It also writes policies in only seven states. Currently, if you reside in the following locations you may be eligible for a policy:
Falcon insurance review: Summary
If you only need auto insurance and live in one of the seven states where policies are written (IL, TX, OK, AZ, CO, UT, IN) then Falcon may be a decent option for coverage. Falcon wants drivers to be able to obtain insurance regardless of their history. If you've got an SR-22, the company may be worth talking to about auto insurance. Keep in mind that if you want to bundle auto insurance with homeowners, condo or renters insurance, it won't be available through Falcon.
If you prefer to work with a company that has an impressive website with all the bells and whistles, this may not be the best choice for you. Falcon does offer an app where you can pay your premiums, view policy information and get ID cards. The app has positive reviews for both Apple and Android users, so if you prefer to have your insurance information at your fingertips you're in luck.
Overall, the auto coverage seems to be sufficient, and although the company lacks ratings compared to other carriers, it could be worth talking with an agent if you live in one of the covered states.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Falcon insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.