Aspire General Auto Insurance Review for 2025 (See Rates & Options Here!)
This Aspire General auto insurance review will cover everything you need to know about insuring your vehicle with Aspire. You can get yourself insured for as little as $100 a month. Aspire General Insurance Company specializes in coverage for high-risk drivers with DUIs, accidents, or speeding violations.
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Table of Contents
Table of Contents
Feature Writer
Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...
Rachel Bodine
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
Updated February 2025
This Aspire General auto insurance review will cover everything you need to know about insuring your vehicle with Aspire. The best part is you can get insurance for as little as $100 monthly.
Aspire General Insurance Services, LLC operates as an established company recognized by the insurance industry to provide high-risk drivers with affordable non-standard car insurance coverage.
The company also files SR-22 insurance for customers who need it.
They help drivers who are required to show extra proof of insurance. This service makes it easier for people to meet state requirements and get back on the road.
Aspire General Auto Insurance Rating
Rating Criteria 
Overall Score 2.4
Business Reviews 3.0
Claim Processing 2.0
Company Reputation 3.0
Coverage Availability 1.4
Coverage Value 2.4
Customer Satisfaction 1.6
Digital Experience 3.0
Discounts Available 2.0
Insurance Cost 3.0
Plan Personalization 3.0
Policy Options 1.6
Savings Potential 2.7
To find out if you can get cheaper high-risk auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
- Aspire General Insurance specializes in cheap high-risk car insurance
- The company only operates within California, Michigan, and Arizona
- Aspire insures high-risk drivers but has claim and service issues
A Breakdown of Aspire Auto Insurance for High-Risk Drivers
Aspire insurance rates are based on driving record history, customer age, and coverage selection. High-risk drivers who receive speeding tickets or DUIs pay higher insurance premiums, but most will find that Aspire insurance costs much less than standard insurers after multiple traffic violations.
Aspire General Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
Age & Gender Minimum Coverage Full Coverage
Age: 16 Female $280 $380
Age: 16 Male $310 $410
Age: 18 Female $250 $350
Age: 18 Male $281 $380
Age: 25 Female $130 $210
Age: 25 Male $150 $230
Age: 30 Female $110 $190
Age: 30 Male $120 $200
Age: 45 Female $100 $170
Age: 45 Male $105 $180
Age: 60 Female $90 $160
Age: 60 Male $95 $170
Age: 65 Female $97 $165
Age: 65 Male $101 $175
Aspire’s insurance products distinguish it from competitors because it focuses on accommodating high-risk drivers who struggle to qualify for standard coverage.
The specialized manner in which Aspire operates enables the company to provide cheaper auto insurance for drivers who have committed violations or struggle with complicated safety records. It helps to examine Aspire’s position in comparison with leading auto insurance competitors as follows:
Aspire Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $133 | $217 |
 | $142 | $225 |
| $92 | $167 |
 | $142 | $225 |
 | $100 | $158 |
 | $125 | $217 |
 | $133 | $208 |
 | $125 | $208 |
 | $117 | $200 |
 | $150 | $233 |
Scroll down for a closer look at how Aspire compares to the top three most popular car insurance companies in the U.S.
Aspire General Insurance vs. State Farm Insurance
Aspire General Insurance Company targets high-risk drivers and delivers non-standard auto insurance coverage to people who fail to obtain traditional coverage because of their driving violations, DUIs, or poor driving histories.
State Farm serves a broad spectrum of drivers through its affordable policies, which extend protection for safe drivers with discount rates but charge more for high-risk drivers than an Aspire insurance policy. Read more in our full review of State Farm auto insurance.
Aspire General Insurance vs. Geico Insurance
Characteristics of the auto insurance market divide Aspire General Insurance from Geico because they operate toward different customer groups. This drives customers to Geico to receive affordable monthly premiums thanks to its reputation of competitive rates, diverse discounts, and coverage options.
Through its specialized insurance schemes, Aspire provides policy options to customers needing coverage despite imperfect driving records.Jeff Root Licensed Insurance Agent
Geico chooses not to provide insurance coverage to drivers who exhibit significant driving risk through several violations or DUI offenses. High-risk car owners can find insurance through Aspire General Insurance even if Geico denies them coverage.
Learn More: Geico Car Insurance Review
Aspire General Insurance vs. Progressive Insurance
Aspire General Insurance and Progressive operate in the high-risk driver market. The wide selection of discounts, including multi-policy and safe driver benefits from Progressive, enables them to provide affordable rates for particular policy seekers in their high-risk market.
Our complete Progressive review goes over this in more detail. Aspire General Insurance operates in the market, providing non-standard auto insurance to high-risk drivers yet giving fewer discount options than Progressive, which leads to potential premium price increases for certain customers.
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Aspire General Coverage Options
Aspire General Insurance offers a range of coverage options tailored to different drivers, specializing in high-risk drivers. Aspire General provides coverage for drivers who may have trouble getting insured elsewhere. Coverage options include:
- Liability Coverage: Meets state minimum insurance requirements
- Full Coverage: Combines comprehensive and collision protection
- SR-22 Insurance: Provides proof of insurance for high-risk drivers
- Total Loss Gap Insurance: Covers the difference between a vehicle’s actual value and any remaining loan balance
These options give drivers the protection they need based on their situation. Aspire also has additional policy enhancements that you can add to your policy. These include:
- Roadside assistance services
- Rental reimbursement coverage
- Custom parts and equipment coverage
These extra options will help you when you are on the road. They are easy to add to your policy and can make a big difference if you face any problems. With these choices, you can feel safer and worry less while driving.
Discounts Offered by Aspire
Aspire General Insurance offers multiple premium reduction benefits, including multiple savings options. Insuring different vehicles under one policy allows drivers to obtain a 15% discount on premium costs.
The insurance company offers a maximum discount of 10% to drivers who have taken a defensive driving course. Apart from getting a discount on your auto insurance, there are so many other reasons why you should take a defensive driving class, like reducing your premiums by 5 to 10%.
Aspire General Auto Insurance Discounts by Savings Potential
| Discount Name | |
|---|---|
| Multi-Policy | 10% |
| Safe Driver | 15% |
| Good Student | 10% |
| Anti-Theft | 5% |
| Low Mileage | 7% |
| Pay-in-Full | 8% |
| Defensive Driving | 10% |
| Paperless Billing | 5% |
| Automatic Payment | 6% |
| Homeowner | 10% |
Older drivers may also qualify for a discount, and completing an alcohol education course can earn you extra savings. These offers make it easier for you to manage your insurance costs.
Aspire General Business Review
Below is a table that shows some key ratings for Aspire. You can see its BBB rating, J.D. Power rating, AM Best rating, and more. These numbers help you understand how the company compares with others.
Aspire General Insurance Ratings
| Agency | |
|---|---|
 | Score: 810 / 1,000 Below Avg. Satisfaction |
 | Score: A- Good Business Practices |
 | Score: 65/100 Average Customer Satisfaction |
 | Score: 3.2 More Complaints Than Avg. |
 | Score: B++ Good Financial Strength |
The numbers in the table give a clear picture of Aspire’s performance. They show what you can expect from the company.
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What Customers Have to Say About Aspire General
The feedback in Aspire Insurance customer service reviews displays conflicting opinions. The policyholders express gratitude toward the company because Aspire Insurance accepts high-risk motorists, which other insurers reject after incidents like accidents, DUI, or DWI (Learn the difference between DUI and DWI).
The customer pointed out that Aspire General Insurance remained the sole provider willing to insure him following his accident. The insurance rates matched the conditions of his case.
Consumers have presented multiple complaints about the poor customer service that Aspire General Insurance delivers during claims processing. A reviewer faced difficulties finding the right representative to help with their claim.
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Aspire General Auto Insurance For High-Risk Drivers
The high-risk driver market can use this Aspire General auto insurance review to find the best auto insurance companies for high-risk drivers when traditional companies reject them. Thanks to the liability, comprehensive, and collision insurance options offered, high-risk drivers can get cheap coverage through Aspire General Auto Insurance.
However, Aspire provides limited discounts, reducing its appeal for drivers who need extensive savings benefits. Its customer service is also lacking, as its responders operate more slowly than other insurance providers. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Frequently Asked Questions
Is Aspire General Insurance legit?
Is Aspire Insurance legitimate? Aspire General Insurance is a real and licensed company. It meets all state insurance rules and is backed by a secure rating from A.M. Best.
How much does Aspire cost per month?
The monthly cost of an Aspire policy depends on your driving record, location, and the coverage you choose. Your rate may change if you add extra options. It is best to request a personalized quote for the exact amount.
Learn More: Cheapest Liability-Only Auto Insurance
Who is the owner of Aspire Insurance?
Aspire General Insurance Company is owned by California General Insurance Services, LLC, which changed its name to Aspire in 2024. The largest shareholders of Aspire General are Alder Investment and Cove Group.
Is Aspire a Chinese company?
Aspire Insurance is based in the United States and follows U.S. insurance rules. Its main office is located in Rancho Cucamonga, California.
What type of insurance is Aspire General?
Aspire General mainly provides auto insurance for personal vehicles. They also offer extra coverages such as full protection, SR-22, and gap insurance. You can choose the basic plan or add more protection if needed. They focus on helping drivers who might have had issues in the past.
What is the A.M. Best rating for Aspire General Insurance Company?
Aspire General Insurance’s A.M. Best rating is B++. This means the company is in strong financial shape and well-prepared to pay claims when needed. It’s a good indicator of its overall stability and reliability.
Where is Aspire General Insurance located?
Aspire General Insurance is headquartered in Rancho Cucamonga, California. Its main office is at 8885 Haven Avenue, Suite 250, which serves as the center for operations and customer support.
Is Aspire a good car insurance company?
Is Aspire a good company? If you are a high-risk driver, Aspire is a lifesaver. Aspire offers coverage that many drivers, especially high-risk drivers, find useful. They provide options like liability, full coverage, and additional enhancements. The company makes it easy to get a quote online and manage your policy.
Enter your ZIP code to find the best auto insurance company in your neighborhood.
Does Aspire have roadside assistance?
Yes, Aspire offers optional roadside assistance as one of its policy enhancements. This service helps if your car breaks down or gets stuck on the road. You can easily add this extra option when you set up your policy.
Read More: Best Auto Insurance Companies For Roadside Assistance
Does Aspire have an auto insurance app?
Yes, Aspire offers a mobile app for its customers. The app lets you check your policy, make payments, and file claims.
Which insurance company is best for auto insurance?
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