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.
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.
Falcon Insurance vs. Dairyland
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.
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 the majority of the U.S., some drivers may not qualify for a policy, depending on their rating factors.
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:
- General phone number: 1-800-929-3252
- Claims email: claims@FalconInsGroup.com
- Mailing address for the company
- P.O. Box 3577
Oak Brook, IL 60522
State availability
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.