Is Falcon Good for Auto Insurance?

Last Updated on May 2, 2023

Falcon Insurance Company is an Oak Brook, Illinois-based insurance company specializing in non-standard car insurance.

With more than 1,200 agents across the United States, Falcon Auto Insurance continues to provide non-standard auto insurance in Illinois, Oklahoma, Texas, Utah, Indiana, and Arizona. The company specializes in insuring high-risk drivers, drivers with no previous insurance coverage, and drivers who need SR-22 insurance, among other non-standard drivers.

Is Falcon a good insurance company? Should you buy auto insurance through Falcon? Keep reading to discover everything you need to know about Falcon Insurance Company.

Key Takeaways:

  1. Falcon Insurance Company specializes in providing non-standard auto insurance for high-risk drivers, drivers with no previous insurance coverage, and drivers who need SR-22 insurance, among other non-standard drivers.
  2. Falcon is only available in six states, including Illinois, Oklahoma, Texas, Indiana, Arizona, and Utah.
  3. Falcon offers different car insurance than other insurers, specializing in insuring drivers that other companies will not insure.
  4. Falcon is known for providing comparatively cheap rates for high-risk drivers and has a mobile app for iOS and Android that’s surprisingly well-rated.

What Is Falcon Insurance Company?

Falcon Insurance Company is an auto insurance company based in Oak Brook, Illinois. The company sells non-standard car insurance to drivers in Illinois, Oklahoma, Utah, Texas, Indiana, and Arizona.

Falcon has 1,200 independent agents across its network. These independent agents will review your insurance needs, then determine the best coverage based on those needs.

According to, the company specializes in simplicity, creativity, integrity, and efficiency. The company aims to provide no-nonsense car insurance that meets the unique needs of high-risk drivers across covered states.

Falcon Insurance Company Insurance Products & Services

Falcon offers one type of insurance product or service: auto insurance. You can buy Falcon auto insurance in Illinois, Oklahoma, Texas, Indiana, and Arizona.

Auto Insurance: Falcon offers minimum liability insurance, full coverage car insurance, and other unique policy offerings across its covered states. You can buy high-risk car insurance, SR-22 insurance, and other non-standard auto insurance policies through Falcon.

How Does Falcon Auto Insurance Work?

Falcon offers different car insurance than other insurers. As a non-standard insurance company, Falcon specializes in insuring drivers that other companies will not insure, including high-risk drivers, drivers with no insurance history, and drivers with poor credit scores.

However, drivers who buy car insurance through Falcon can access similar policy offerings that we see with other providers, including:

Liability Insurance: If you want to buy minimum liability insurance to drive legally, Falcon may be the best choice. The company offers bodily injury liability and property damage liability coverage, allowing you to meet or exceed minimum requirements in your state.

Uninsured and Underinsured Motorist Coverage: Some states require drivers to carry uninsured and underinsured motorist coverage, while others do not. Falcon offers uninsured and underinsured motorist coverage in some states.

Full Coverage Auto Insurance: Falcon offers full coverage car insurance to drivers who want added peace of mind. Full coverage insurance includes comprehensive and collision coverage. It protects your vehicle from theft, vandalism, collisions, accidents involving animals, fire damage, and other unexpected events.

SR-22 Insurance: Falcon can file an SR-22 certificate on your behalf, giving you SR-22 insurance. If you are a high-risk driver, the DMV may suspend your license and registration until you submit the SR-22 certificate from a licensed insurer. Falcon can file the SR-22 certificate on your behalf to get you back on the road.

What Makes Falcon Unique?

Drivers in Illinois, Texas, Arizona, Utah, Indiana, and Oklahoma have plenty of options for car insurance. Why pick Falcon? Here are some of the traits that make the company unique:

Non-Standard Car Insurance: If you struggle to get car insurance through standard providers, then Falcon’s car insurance may be the right choice for you. The company sells non-standard car insurance to drivers across its five covered states, including high-risk coverage and other non-standard policies.

SR-22 Insurance: Falcon specializes in providing SR-22 financial responsibility filing services to high-risk drivers. If the DMV has suspended your license or registration until you file an SR-22, Falcon can help you get back on the road.

High-Risk Auto Insurance: If you have multiple accidents or incidents on your driving record, then you may need to work with a high-risk auto insurance provider. Falcon specializes in providing high-risk auto insurance at reasonable rates. If standard insurers are charging high rates to insure you, then Falcon may be a better option.

Available Exclusively in Six States: Falcon is only available in six states, including Illinois, Oklahoma, Texas, Indiana, Arizona, and Utah.

Mobile App: Most high-risk auto insurance companies don’t invest in mobile apps. However, Falcon has a mobile app for iOS and Android that’s surprisingly well-rated. You can access your policy through the mobile app, view policy information, access ID cards, and even make claims through the mobile app. The company’s website has similar features and is easy to use.

Sold Through 1,200 Independent Agents: Falcon works with a network of 1,200 partner agents across its covered states. These partner agents are independent, which means they work with Falcon and other insurance companies. The agents assess the needs of policyholders, then recommend Falcon if the company is the best match.

Competitive Rates: Falcon specializes in insuring high-risk drivers. As a high-risk driver, you’ll always pay higher rates for car insurance than ordinary drivers. However, many high-risk drivers stick with Falcon because of its comparatively cheap rates. Falcon may charge cheaper insurance rates than other high-risk insurers in its covered states.

Falcon Auto Insurance Discounts

Like most high-risk auto insurance companies, Falcon is not known for its discounts. The company insures drivers who struggle to get car insurance from the ordinary market. However, drivers can still qualify for certain discounts with Falcon, including:

Homeowner Discount: Do you own a home? You may qualify for Falcon’s homeowner discount. Drivers who own their homes qualify for a discount on their car insurance policy. Statistically, homeowners are less likely to make a claim or cause an accident than renters.

Paid-in-Full Discount: If you pay your Falcon policy in full upfront, you could qualify for the company’s paid-in-full discount. Drivers who pay their annual premium upfront and in full instead of in monthly installments can save money on their policy.

Transfer Discount: If you transferred to Falcon from another insurance company, you could save money after becoming a Falcon customer.

Multi-Vehicle Discount: Falcon offers multi-vehicle discounts to drivers who insure two or more vehicles under the same policy. Because Falcon only offers auto insurance, the company does not offer bundling options or other savings opportunities.

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

Most high-risk auto insurance companies have poor reviews online. These companies specialize in insuring drivers who struggle to get insurance elsewhere, and many of them have poor ratings for claims satisfaction. However, Falcon has relatively good reviews from drivers online.

On the review aggregator website Clearsurance, for example, Falcon has an average rating of 4.38 stars out of 5 (although the website only lists six reviews). WalletHub, meanwhile, has a Falcon profile with zero aggregated reviews.

In 2020, the insurance review website The Zebra gave Falcon a rating of 2.5 stars out of 5 based on its poor NAIC rating and basic coverage options.

Falcon has a 1.2 star out of 5 rating from the Better Business Bureau based on 80+ customer reviews. The company does, however, have an A+ rating from the BBB.

A.M. Best has not assessed the financial strength of Falcon. A.M. Best assesses the liabilities and assets of insurance companies to determine their financial strength. The company does not have a financial strength rating for Falcon, and Falcon does not participate in A.M. Best’s rating program.

Falcon is also not large enough to appear on J.D. Power’s annual rankings. J.D. Power ranks the 20 largest insurance companies in the United States and various subregions, rating insurers based on claims satisfaction and customer service.

The Falcon mobile apps have very strong ratings. The iOS app has an average rating of 4.9 stars out of 5 with 900+ reviews, for example, while the Android app has an average rating of 4.7 stars out of 5 with 340+ customer reviews.

Frequently Asked Questions

Our Rating of Falcon Insurance

Falcon Insurance Company is an Illinois-based non-standard auto insurance provider with more than 1,200 agents across six US states. The company provides coverage to high-risk drivers, those without previous insurance, and drivers needing SR-22 insurance. Falcon offers competitive rates and a mobile app for policy management.

Customer Satisfaction
Claims Processing
Coverage Options


Falcon Insurance offers coverage for drivers with poor driving history, but their limited coverage options and a poor reputation for service may deter some customers. They have a smooth digital payment and claim filing process but a higher complaint index rate, according to NAIC. Overall, it’s a good option for those looking for limited coverage, but customers requiring higher levels of coverage or looking to bundle insurance should explore other options.


Final Word on Falcon Insurance Company

Falcon is a Chicago-area insurance company that offers auto insurance in six states. The company offers non-standard car insurance, which means they insure drivers who cannot obtain standard car insurance coverage.

If you are a high-risk driver or if you need SR-22 insurance, then Falcon Insurance Company may be the right choice for you. Request a quote online today from the Oak Brook, Illinois-based insurer.

Falcon Insurance Contact Info
AddressPO Box 3577
Oak Brook, IL 60522
Phone Number800-929-3252
HoursMonday – Friday, 8 AM to 6:30 PM CT
Website URL
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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