Falcon Auto Insurance Company Review
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 23, 2022
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Here’s the Scoop
Falcon Insurance Company sells auto insurance in Arizona, Colorado, Illinois, Indiana, Oklahoma, Texas, and Utah
This company covers high-risk drivers, including people needing SR-22 insurance
Falcon has a growing network of over 1,200 partner agents
Falcon Insurance, a subsidiary of the Falcon Insurance Group, LLC., sells simple, affordable auto insurance policies in seven states. This company covers high-risk drivers, including people with rocky driving histories. This growing business currently has over 1,200 partner agents in several U.S. states.
In this Falcon Insurance review, learn how to request a quote, compare financial and customer ratings, and look into potential discount opportunities to determine if Falcon is the right insurance company for you.
What is the Falcon Insurance Company?
The Falcon Insurance Company, a subsidiary of the Falcon Insurance Group, LLC., sells affordable auto insurance to high-risk drivers living in Arizona, Colorado, Illinois, Indiana, Oklahoma, Texas, and Utah.
You must speak with a Falcon agent to request a quote from this company.
The agent will also help you determine what auto insurance coverages you must carry in your home state. Falcon’s auto insurance types include liability insurance, uninsured and underinsured motorist protection, personal injury protection, and medical payments — or “MedPay” — coverage.
You can also invest in full coverage policies that include comprehensive and collision insurance. However, the website does not mention other optional policy add-ons, like roadside assistance or rental car reimbursement.
A Falcon Insurance mobile app is available for customer convenience. In the app, drivers can view ID cards, make policy changes, file claims, contact local agents, etc.
You can also make your Falcon insurance payment through the company mobile app or submit payments online, over the phone, or in person if you visit your local agent.
To pay your bill over the phone with the Falcon Insurance Company, call 1-800-929-3252.
Despite having similar names, this company is not affiliated with the Falcon Insurance Agency or the Falcon Aviation Insurance Agency. Those companies offer insurance services for pilots and the aviation community.
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How do you request Falcon insurance quotes?
To request Falcon auto insurance quotes, you must speak with an auto insurance agent. There is no online quote tool on the Falcon website.
Instead, interested customers can navigate to the “Find an Agent” tab located under the “Customers” dropdown menu. You’ll find a phone number and instructions for contacting the Falcon underwriting group. The associate then finds a local licensed agent closest to you.
The phone number for Falcon insurance quotes is 1-800-929-3252.
The underwriting office is available Monday through Friday from 8:00 a.m. to 6:30 p.m. CDT.
Some customers may find the quote application process somewhat tedious, especially compared to other companies that allow you to secure coverage quickly online without speaking to an agent. However, customers who prefer hands-on assistance may appreciate connecting with an agent.
What are the average Falcon insurance rates?
Unfortunately, Falcon auto insurance rates are not publicly available. However, if you go through the Falcon agency to request a quote from a local agent, you can compare it to the average cost of coverage in your state.
The table below shows the most recent average annual auto insurance expenditures in the states where Falcon operates, with data from the Insurance Information Institute.
Average Annual Auto Insurance Expenditures by State
StateAverage Annual Auto Insurance Expenditures
Arizona$1,063.93
Colorado$1,174.87
Illinois$939.64
Indiana$777.05
Oklahoma$908.95
Texas$1,143.85
Utah$954.14
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Many factors impact your auto insurance rates, like age, ZIP code, driving record, coverage needs, and vehicle type.
Falcon specializes in covering people with poor driving records and multiple citations. High-risk drivers pay more for coverage than safer drivers due to the increased chance of being involved in accidents or other traffic incidents.
If you have a rocky driving history, expect your auto insurance rates to be higher than average, even from the best car insurance companies.
How do you file Falcon insurance claims?
Falcon customers can file auto insurance claims on the website, phone, or mobile app.
The claims office is open Monday through Friday from 8:00 a.m. to 8:00 p.m. CDT and on Saturday and Sunday from 8:00 a.m. to 4:00 p.m. CDT.
However, drivers can submit claims online or through the mobile app anytime, as long as there are no injuries. You can also submit photos with your claim. Typically, Falcon provides an estimate within 24 hours if you submit your claim online.
Your auto insurance company should be reliable and efficient, especially during stressful times like after a car accident.
Online reviews of the Falcon claims department are overwhelmingly negative.
Many drivers say the adjusters do not answer phones or reply to inquiries. In addition, some claims are reportedly still open after more than six months. Keep these customer experiences in mind while considering the Falcon Insurance Company.
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Does Falcon offer any auto insurance discounts?
Falcon offers some discounts to drivers. However, availability and saving amounts vary by state.
The Falcon car insurance discounts mentioned on the company website include homeowners, multi-car, transfer, and paid-in-full discounts. Other saving opportunities may also be available.
Ask your local Falcon agent about the rate reductions the company can offer you.
What are the Falcon Insurance Company ratings and reviews?
Analyzing an insurance company’s financial evaluations and customer reviews allows you to determine if the company is reliable and efficient before committing to an auto insurance policy. However, leading credit rating agencies like A.M. Best do not have an evaluation for Falcon Insurance Company. So we cannot speak on the financial stability of this company.
However, Falcon is accredited by the Better Business Bureau and currently boasts an A+ rating. This rating means the BBB believes Falcon interacts positively with its consumers.
However, what do real customers say about their Falcon Insurance Company experience?
Overall, Falcon insurance reviews from drivers are negative. On the BBB website, customers awarded it with only 1.05 stars out of five. Specifically, customers mentioned negative experiences with the Falcon claims department.
Multiple users report that the Falcon claims adjusters did not return phone calls or were rude over the phone.
Some people say their claim has been open for over six months despite leaving multiple messages. Others have also complained of their claims being left open for several months. The company’s typical response to these complaints is that the investigations are still ongoing.
According to the National Association of Insurance Commissioners, Falcon Insurance Company also has a high complaint index ratio.
The median is always one, and Falcon earned a ratio of 6.94. This ratio means it received nearly seven times more complaints from customers than the median.
Affordable monthly payments aren’t the only thing to look for in a good insurance policy. You also want your company to help you with claims proficiently. So even if Falcon offers you cheap rates, keep these consumer experiences in mind while shopping around for the best auto insurance coverage.
What is the history of the Falcon Insurance Company?
Established in 2011 by a group of experienced insurance executives and private investors, the Falcon Insurance Company is headquartered in Oak Brook, Illinois. The company is a subsidiary of the Falcon Insurance Group, LLC., with its claims office located in Dallas, Texas.
Falcon focused on selling affordable auto insurance policies to high-risk drivers from the beginning.
Plus, this company sells all policies through the independent agent channel, meaning it doesn’t offer any online quotes.
Today, Falcon has a network of over 1,200 insurance agents located throughout the seven states where this company sells auto insurance policies. The current president of Falcon is Michael Parrillo.
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Falcon Insurance Company: The Bottom Line
If you’re a higher-risk driver who struggles to secure coverage from other traditional insurance companies, consider looking into Falcon Insurance Company. This nonstandard insurer provides drivers with a convenient mobile app, multiple discounts, and competitive rates, even if your driving record is rocky.
However, you may not have access to other policy add-ons, like roadside assistance services or rental car reimbursement. Falcon car insurance is only available in seven states, making it regionally limited.
The Falcon claims department is also poorly rated online by other drivers and actual Falcon customers.
Safer drivers most likely can secure cheaper rates with access to more coverage options and better customer support from some of the other best car insurance companies.
