Is Falcon Good for Auto Insurance?

Last Updated on January 8, 2026

Falcon Insurance Company is an Oak Brook, Illinois-based insurer that focuses on non-standard car insurance for drivers who may have trouble qualifying with traditional carriers.

It can be a practical choice for high-risk situations—like a lapse in coverage, a recent violation, or an SR-22 requirement—especially if you prefer working with an agent. If you’re shopping the market, compare Falcon against other non-standard car insurance companies to see which one fits your state and budget.

Is Falcon a good insurance company? It depends on what you need: Falcon is designed for drivers who need basic, legally compliant coverage and a straightforward path back to insurability—not drivers who want nationwide availability, extensive add-ons, or bundling discounts.

What Is Falcon Insurance Company?

Falcon Insurance Company is a regional auto insurer based in Oak Brook, Illinois. The company markets itself as a simpler option for drivers who need coverage regardless of driving history—especially drivers who have had difficulty finding a standard policy.

Falcon’s availability is limited to certain states, and that list can change. The most reliable way to confirm whether Falcon is available in your area is to contact a local agent or use the company’s online agent locator.

Falcon Insurance Company Insurance Products & Services

Falcon focuses on auto insurance. Depending on your state and eligibility, an agent can help you build a policy that meets minimum legal requirements or adds physical damage protection for your vehicle.

Important: Coverage options, limits, and add-ons can vary by state and by driver profile. Ask your agent for a declarations page-style quote that clearly lists limits, deductibles, fees, and exclusions before buying.

How Does Falcon Auto Insurance Work?

Falcon is built for non-standard underwriting, which generally means it’s willing to insure drivers who may be declined—or priced very high—by standard insurers. In exchange, policies may have fewer “extras” and less flexibility than what you’d see from a large national carrier.

Most drivers buy Falcon through an agent. Your agent collects details about drivers, vehicles, garaging address, and prior insurance history, then builds a quote. The premium, down payment, and payment plan depend on your risk profile and state rules, and the named policyholder is responsible for keeping the policy active and paid on time.

SR-22 Filings and Proof of Financial Responsibility

Falcon commonly writes policies for drivers who need an SR-22 (or similar) filing. An SR-22 is not an insurance policy—it’s a form your insurer files with the state to prove you carry the required liability coverage. If you’re trying to get back on the road, start by learning how SR-22 insurance pricing typically works and what the state expects from you.

If your license is currently suspended, the state may require you to file the SR-22 before reinstatement. Requirements vary by state and violation, but this guide on SR-22 insurance with a suspended license explains the most common real-world scenarios. For an official example of SR-22 rules, the Illinois Secretary of State’s SR-22 resource is here: Illinois SR-22 Financial Responsibility.

What Makes Falcon Unique?

Falcon stands out less because of specialty “bells and whistles” and more because of its underwriting focus and distribution model. These are the traits most drivers notice:

Falcon Auto Insurance Discounts

Discounts are available, but they tend to be more limited than what you’ll see with large standard carriers. Ask your agent for a written list of every discount applied to your quote and what documentation is required.

If you’re changing carriers, it helps to understand the right way to switch auto insurance companies without causing an accidental lapse—especially if you have an SR-22 requirement.

Mobile App, Payments, and Policy Tools

Falcon offers online services that are especially useful for non-standard policies where staying current on payments matters. Depending on your account setup, you may be able to view documents, access ID cards, make payments, and report a claim.

Helpful official links:

• Manage my policy (login)
• Make a payment
• Report a claim
• Falcon Insurance Company app (iOS)
• Falcon Insurance Company app (Android)

Falcon Reviews & Ratings: What Do Customers Have to Say?

With any non-standard insurer, reviews can be mixed because many policyholders are shopping under time pressure (license reinstatement, SR-22 filing deadlines, registration holds, and prior cancellations). That makes it especially important to judge Falcon on the factors you can verify: the exact coverages on the quote, the total cost over the policy term (including any fees), and how easy it is to make payments and get proof of insurance.

For third-party context, Falcon has a Better Business Bureau profile where you can view accreditation status, complaint history, and customer reviews: Falcon Insurance Group, LLC (BBB).

Final Word on Falcon Insurance Company

Falcon is a regional, non-standard auto insurance company that can make sense when you need to get insured quickly, meet state requirements, or file an SR-22. The best way to decide is to compare quotes through an agent and confirm the full cost of the policy term, including any fees and payment plan differences.

For a quote, contact a local agent or use Falcon’s agent locator to find one nearby.

FAQs on Falcon Auto Insurance