Aspire General Insurance Review 2022

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

Aspire General Insurance is a California-based car insurance company that has over 100 years of industry experience. Aspire General exclusively sells car insurance to drivers in California. The company has some unique offerings, including bilingual customer service and claims representatives, and flexible payment plans. The company underwrites its own policies, but coverage is sold through a network of independent insurance agents.

Aspire car insurance

Aspire Insurance specializes in non-standard insurance, which is a good option for drivers who cannot get approved for preferred coverage based on their driving record, claims history or credit score. Coverage from Aspire General is somewhat limited, but drivers can get access to perks like mobile services, 24/7 claims handling, advance cancellation notifications and more.

Types of coverage

Aspire General offers two coverage tiers: Savings and Advantage. The Savings package offers less coverage, and the Advantage package offers higher levels of coverage, plus more endorsement options. Here is a look at the coverage available from Aspire General:

  • Minimum coverage: Aspire Insurance offers minimum coverage insurance based on state requirements.
  • Full coverage: Full coverage insurance includes collision, comprehensive, liability, medical payments and uninsured/underinsured motorist coverage. Drivers who purchase the Advantage package can also get a collision deductible waiver.
  • Non-owned insurance: Non-owned insurance policies cover drivers who do not own their own vehicle, but frequently borrow cars. Non-owned insurance only includes liability coverage for the driver.
  • SR-22: Drivers in California can purchase an SR-22 from Aspire General Insurance.
  • Savings package: Drivers who purchase the Savings package can get stereo/sound system coverage up to $500 if they have a full coverage policy. This package also includes liability insurance for utility trailers up to 1,500 pounds when the trailer is attached to an insured car.
  • Advantage package: Drivers who purchase the Advantage package can get rental car reimbursement, towing and labor coverage and roadside assistance for an added fee.


With Aspire Insurance, drivers can save money by taking advantage of discounts, including:

  • Good driver discount: Drivers who have been continuously licensed for three years and have not had any major traffic violations can qualify for the good driver discount.
  • Multi-vehicle discount: Drivers who have more than one car listed on their insurance policy can get a lower rate with the multi-vehicle discount.
  • Mature driver discount: Drivers who are 55 or older and have completed an approved driver safety course can get a lower rate with Aspire General.
  • Alcohol education awareness discount: Drivers who complete a state-approved alcohol education awareness program will save money on their premium. This discount is only available to drivers who have no more than one alcohol- or drug-related violation on their record.

Reasons why Aspire is a good option

Aspire General Insurance is a good option for high-risk drivers who cannot qualify for standard insurance coverage. It is also a good choice for drivers who need to purchase an SR-22 or non-owned insurance. Aspire has some unique offerings, including bilingual customer service and flexible payment plans, plus cancellation notifications so you can avoid lapsed coverage.

However, Aspire General is not a great option for the average driver who can purchase a regular car insurance policy. Aspire General does not offer many endorsement coverages or discounts, and non-standard insurance policies are significantly more expensive than standard policies. If you are looking for cheap car insurance, look into another provider.

Another downside of Aspire General is that it only covers drivers in California. Drivers who live in one of the other 49 states do not qualify for coverage. Additionally, Aspire will not approve a policy for cars that have a new cost of $50,000 or more, are not kept in a garage, or do not have an etched VIN number or anti-theft device.

Aspire ratings, reviews, customer satisfaction and complaints

Overall, Aspire auto insurance reviews are not great. The company has a B+ financial strength rating from AM Best, which means the company only has “good” financial strength. For comparison, most preferred insurance providers like Allstate or Geico have much higher financial strength scores of A+ or above.

Aspire Insurance has above average customer complaints as indicated by the National Association of Insurance Commissioners’ (NAIC) Company Complaint Index. The company also has a Better Business Bureau (BBB) customer rating of one out of 5 stars based on eight reviews.

Frequently asked questions

What do I need to get a quote from Aspire?

To get a quote from Aspire Insurance, you will need to find an independent insurance broker in your area that sells Aspire policies. The agent will ask you to provide your name, address and birthday. You might also be required to provide your social security number. Then, you will be asked to give information about your vehicle, including the make, model and year, VIN number and mileage. Finally, you may be asked about your claims history over the last several years, and the type and amount of coverage you want.

How do I file a claim with Aspire?

Aspire makes it easy to file claims, 24/7. You can file a claim online or call the customer service number. You will need to provide your policy number, contact information for other parties involved in the accident and vehicle information for other parties involved. If you called the police, you can submit the police report number and the department that issued the report. Most importantly, you will need to provide as much information as possible about the incident, including the date, time and location. If you have photos or video evidence of the damage, be sure to submit that with your claim.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.