Falcon Car Insurance Review & Ratings (2023)

High-risk drivers can find cheap coverage from Falcon Insurance. The company has limited policy options, but rates are extremely affordable. Falcon car insurance provides coverage for those denied by other companies. The reviews show that Falcon has many complaints but multiple discount opportunities and a user-friendly website. Learning more about Falcon Insurance will help you determine if it’s the right fit.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 724 Enterprise Dr.
City: Oak Brook
State: Illinois
ZIP Code: 60522
Phone Number: 800-929-3252
Company Rating 0 (0 reviews)

The Rundown

  • Falcon Insurance provides coverage for high-risk drivers
  • Falcon Insurance has limited policy options
  • Falcon Insurance offers multiple discount opportunities

Falcon Insurance offers car insurance to high-risk drivers. They have limited policy options and many complaints but offer low rates and multiple discount opportunities. Knowing about Falcon Insurance will help you decide if the company is right for you.

Before jumping into this Falcon Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

What coverages are available from Falcon Insurance?

Falcon Insurance offers fewer insurance options than most competitors. Instead of a large selection, Falcon focuses on coverage for high-risk drivers who need a certain amount of coverage to reinstate their license.

According to the Insurance Information Institute, most states require that drivers carry a minimum amount of coverage. Minimum coverage usually means liability, protecting drivers if they’re at fault for an accident.

Falcon’s minimum coverage plan provides the minimum state-required coverage. Since most companies price coverage individually, this provides cheaper Falcon car insurance rates while complying with state requirements.

If you finance your vehicle, the lender might require that you carry full coverage until you pay off your car. In this case, you’ll need more than the state’s minimum coverage. Full coverage auto insurance includes:

  • Collision: Covers damage to your car after an accident.
  • Comprehensive: Covers damage to your car when you’re not driving.
  • Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver will little or no car insurance.
  • Bodily liability: Pays for medical bills if someone else suffers an injury in an accident caused by you.
  • Property damage liability: Covers the cost of any property damage you’ve caused in an accident.

Drivers with serious violations, like a DUI or driving without insurance, might require an SR-22 form to get their license reinstated. Falcon helps with this form, allowing drivers to prove that they carry the state’s minimum required coverage.

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What discounts are available from Falcon Insurance?

Rates for high-risk drivers from the best insurance companies are usually higher than other drivers. Other companies might deny coverage altogether. These drivers will find that average Falcon Insurance quotes are lower than most competitors.

Even with a lower quote, rates will still be higher than many want to pay. Fortunately, the company also offers multiple discounts to lower rates even further.

The following Falcon car insurance company discounts allow customers to obtain more affordable rates:

  • Homeowner discount: Insured owns a single-family home
  • Multi-vehicle discount: Insure more than one vehicle on a single auto insurance policy
  • Pay-in-full discount: Policy is paid in one payment
  • Transfer discount: Driver transferred to Falcon from another company

Combining these discounts is the best way to get affordable Falcon car insurance. When speaking with the company about a policy, ask which discounts you might be eligible for to get the most accurate Falcon car insurance quotes.

What are the Falcon Insurance reviews?

An excellent way to determine if Falcon is a good fit is to examine its reviews. However, you usually won’t find Falcon car insurance reviews. Instead, you have to look at the parent company. But who owns Falcon Insurance?

Falcon car insurance is a subsidiary of the Falcon Insurance Group. Looking into the reviews of the parent company will help you find the customer reviews and company ratings.

While credit rating agencies have overlooked the company, Falcon became accredited by the Better Business Bureau (BBB) in 2018. Additionally, the BBB has given the company an A+ rating.

At the time of this review, the BBB has received 87 complaints about Falcon Insurance over the past three years. The BBB website also has 80 customer reviews, with an average rating of one out of five stars.

Falcon Insurance has a complaint index ratio of 4.88 from the National Association of Insurance Commissioners (NAIC). This ratio indicates that the company has significantly more complaints than the average company of a similar size.

Does Falcon Insurance have a website and mobile app?

When you buy Falcon car insurance, you’ll get a user ID and create a password. This information grants access to the company’s website and mobile app. Here customers can make Falcon Insurance claims, view policy information, make payments, and access ID cards.

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How can you make Falcon Insurance payments?

Falcon Insurance provides coverage for budgets of every level. The company offers various payment plans, allowing customers to choose the one that best suits their needs. The three payment plans include:

  • Monthly
  • Six-month
  • Annual

Customers can make payments through the company website, phone, or in-person with a local agent.

Who should buy Falcon Insurance?

Falcon Insurance is best for drivers that need non-standard car insurance. High-risk drivers that require non-standard coverage are those that usually can’t qualify for traditional coverage due to their:

  • Driving record
  • Claims history
  • Credit score

Falcon is a good option for these drivers because they offer lower rates for high-risk drivers. Affordable rates can be hard to find from most auto insurance companies. However, those looking for Falcon Insurance locations will notice they only provide coverage in six states, including:

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

In most cases, Falcon Insurance is not a good option for drivers who aren’t high risk. Additionally, the company has limited policy options and no endorsements that can leave gaps in coverage.

You also must work with an agent to get quotes or purchase a policy, making buying coverage inconvenient for some customers.

Falcon Insurance: The Bottom Line

People looking at Falcon Insurance might wonder if it’s a good option. The company has affordable rates for high-risk drivers but limited policy options. Learning about Falcon Insurance will help you determine if it’s a good fit for you.

Now that you know more about Falcon Insurance, enter your ZIP code to find free auto insurance quotes in your area.

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