Falcon Insurance Car Insurance Review
Falcon Insurance provides affordable coverage for high-risk drivers in select states like Texas and Illinois. They focus on minimum-limits coverage and offer bilingual service.
Company & Policy Details
Company Information
Established
2011
Underwritten by
Falcon Insurance Company
Market Position
Customer Service Hours
Mon–Fri: 8am–6pm
Ratings & Performance
Claims Satisfaction
Financial Strength
B
Mobile App
Policy Features
No Claims Discount Protection
Up to 2 years
Telematics Option
Not available
Multi-Car Discount
Not available
New for Old Replacement
Vehicles up to 0 years old
Uninsured Driver Promise
Not included
Paperless Discount
Not available
Key Benefits
- Focused on underserved urban markets
- Quick SR-22 filing and flexible billing
- Spanish-language customer service and website
Available Features
Customer Service
Premium Range
From
£700.00
Average
£966.67
Cover Types
- Comprehensive
- Liability + Collision
- Liability Only
Coverage Distribution
Comprehensive
33.3%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
Where does Falcon Insurance operate?
Falcon operates in states including Texas, Arizona, and Illinois.
Is Falcon good for SR-22 needs?
Yes, they specialize in filing SR-22s promptly.
Can I pay my bill online?
Yes, Falcon offers an online portal for billing and claims.
Is roadside assistance available?
Optional roadside assistance is available on most policies.
In-Depth Provider Analysis
Expert Analysis: Falcon Insurance Car Insurance
Falcon is a regional non-standard provider offering affordable SR-22 and basic auto coverage. It utilizes independent agents to distribute quick quotes and limited add-ons. Falcon emphasizes local relationships and immediate policy issuance.
Professional Editorial Review
Falcon is personal and pragmatic but lacks scale and digital convenience for broader audiences.
Market Position
A hyper-local non-standard solution.
Pricing Strategy
Pricing tailored to regional risk tiers; may not scale nationally.
Who Should Consider Falcon Insurance? A Detailed Analysis
Regional non-standard drivers seeking affordable SR-22 and fast coverage via local agents.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Personalized local support
Competitive within risk categories
Important Considerations
Limited state availability
No digital telematics or online app
What Makes Falcon Insurance Stand Out
Local agent accessibility
Fast SR-22 filing
Reasonable quote response times
Claims Process Analysis
Claims processed through local agents and regional repair partners—efficiency depends on office.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Service quality reliant on individual agents—no centralized support line.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Falcon Insurance fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Falcon Insurance's approach aligns with your needs.
These market statistics help put Falcon Insurance's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Falcon Insurance
How does Falcon Insurance compare to other budget insurers in terms of value for money?
Falcon Insurance positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Falcon Insurance's claims process?
Claims processed through local agents and regional repair partners—efficiency depends on office. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Falcon Insurance suitable for young or inexperienced drivers?
Falcon Insurance can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Falcon Insurance for long-term coverage?
Falcon Insurance has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Falcon Insurance work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofFalcon Insurance's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Falcon Insurance for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Falcon Insurance
How to Get Coverage
- Visit Falcon Insurance's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Falcon Insurance directly for the most accurate and up-to-date quotes for your specific situation.