Falcon Insurance: Review, Coverage Options, and Ratings

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Falcon Insurance Review 2021


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2.5 Rating from The Zebra

Falcon Insurance Group is a non-standard car insurance company based in Oak Brook, Illinois, that provides coverage in Illinois, Oklahoma, Texas, Indiana, and Arizona through a network of more than 1,000 independent agents. The company specializes in insuring drivers who may have trouble getting coverage elsewhere, including drivers with no previous insurance coverage or who have a checkered driving history. While Falcon might provide lower rates for some non-standard drivers, the trade-off could come in the form of poor customer service or a weak financial standing. Read on to see our Falcon Insurance review, including coverage options, discounts, and customer service ratings.

JD Power Rating — Not Rated

Financial strength — Not Rated: A.M. Best does not provide a rating for Falcon Insurance. 

NAIC Rating — Poor: The National Association of Insurance Commissioners (NAIC) received far more complaints than average regarding Falcon Insurance.

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Falcon auto insurance coverage options

Falcon car insurance provides the basic options you would expect from an auto insurer, including liability, comprehensive, and collision coverage. The company says that they offer a range of coverage options, though further coverage details are not clearly labeled in the company's publicly-available materials. 

Falcon Insurance also works with drivers who need an SR-22. An SR-22 is a certificate that proves to your state that you are carrying the required level of car insurance. SR-22s are typically required after infractions such as driving without insurance coverage or DUIs, and must be maintained for a certain amount of time in order to maintain one's driving privileges. 

 

Flexible payment options and terms

Designed for budgets of every level, Falcon Insurance allows customers to choose from any of a number of payment plans, including monthly, six-month, or annual options. The company also lets you make payments through their website, app, over the phone, or in-person with a local agent. 

 

Falcon Insurance discounts

Falcon Insurance policyholders can see savings on their auto coverage in the following ways:

  • Homeowners: If you own your home, you could receive a discount on your car insurance policy.
  • Multi-car: Having multiple vehicles on the same policy could lead to savings.
  • Transfer: By transferring to Falcon Insurance, qualifying customers could see a reduction in their premiums.
  • Paid in full: Paying your premium upfront could save you money.

 

Falcon Insurance mobile app and website

Falcon Insurance makes accessing your policy info easy through their mobile app and website. The Falcon Insurance Company app allows you to instantly make claims, view policy information, and access ID cards. Their website is easy to navigate and allows you to manage your policy and has a portal for making claims. 

 

Is Falcon Insurance right for you?

Falcon Insurance could be a good company to try if you’ve run into difficulty finding car insurance coverage because of your driving history. However, the company’s reputation for service could be off-putting to some customers. Furthermore, their coverage options — at least those listed — are rather limited. Customers requiring higher levels of coverage or who hope to bundle renters or home insurance would do better to look elsewhere.

Whether you want the best coverage available or just need enough to remain road-legal, it’s always a good idea to compare insurance rates. A little research can lead you to better rates and help you avoid companies with poor customer reviews. Insurance quotes are free and easy to obtain. Simply enter your ZIP code below to get started.

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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