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Aspire General insurance review 2023

Updated Mar 09, 2023
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Aspire General may be a good option to consider for high-risk drivers with past infractions on their records, but coverage is only available in California and Michigan. Our Aspire General Insurance review might help you decide if the company fits your needs.

  • Bilingual customer service

  • Flexible payment plans

  • Only available in California and Michigan

  • AM Best rating of B+ is lower than many competitors

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Aspire General car insurance

Aspire General sells policies aimed at the needs of high-risk drivers in California and Michigan. Aspire General car insurance comes in two levels of coverage: Savings and Advantage. Each policy level has its own underwriting guidelines and offerings, so you can find the option that best fits your needs. Specific policy options may vary by state, so be sure to talk to an Aspire General broker about the options in your area.

The Savings package is designed for basic coverage, while Advantage offers the option of higher liability limits and added endorsements like towing and rental reimbursement. With both packages, though, drivers who need an SR-22 filing can obtain one. You can buy a policy from insurance brokers who are appointed to sell Aspire General’s products.

Pros and cons of Aspire General car insurance

Even the best car insurance companies have drawbacks as well as perks; no company is perfect and no company will be the best option for every driver. Here are some of Aspire Generals pros and cons:


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    May have options for high-risk drivers

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    Various coverage levels available

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    Bilingual service is available


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    Fewer optional coverage types than some competitors

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    Only available in California and Michigan

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    AM Best rating is lower than some companies

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Aspire General car insurance cost

Rates aren’t available for Aspire General. Your Aspire General car insurance rates will vary based on your unique driving profile and the coverage types and levels you choose. You'll very likely pay higher rates if you are a high-risk driver, especially if you need an SR-22 filing. To better understand how much Aspire General car insurance costs, contact a broker for a quote.

Aspire General car insurance discounts

If you want to save on your car insurance costs, taking advantage of discounts can be a good strategy. Aspire General’s car insurance discounts vary depending on the policy type that you choose — Savings or Advantage — and by state. Below are some discounts mentioned by Aspire General, but keep in mind that the discounts available to you may be different depending on your location.

Aspire General car tools and benefits

In addition to car insurance policies, Aspire General offers SR-22 filings for those drivers who are required to carry one. SR-22s are generally required after DUIs and other major driving offenses and prove to your state’s DMV that you have an active insurance policy.

Drivers looking for non-owner insurance may also be able to buy a policy from Aspire General. This type of liability insurance covers drivers who do not own a vehicle but regularly drive. Aspire General also offers a few endorsements, depending on your policy type and state, that could be helpful. To learn more, talk to an Aspire General broker.

Aspire General customer satisfaction

Aspire General insurance reviews from third-party industry agencies are mixed. The company does not have rankings with Standard & Poor’s (S&P) or J.D. Power, likely since it is a smaller carrier, but does carry a complaint index from the National Association of Insurance Commissioners (NAIC) and an AM Best financial strength rating. These metrics can be used to help you gauge how successful a company’s service is and its historical ability to pay out claims.

Aspire General auto claims

Aspire General has an above-average number of customer complaints for private passenger policies with the National Association of Insurance Commissioners (NAIC), which could be an indication of poor customer service. Understanding a company’s level of service before committing to a policy might help you decide if the company fits your needs.

In terms of financial strength, AM Best gives Aspire General a B+ (Good) rating. B+ isn’t the highest rating that AM Best offers, but it’s not terribly low and indicates that the company has historically had adequate financial resources to pay claims.

How to file a claim with Aspire General

Aspire General offers a few different ways to file an auto insurance claim, and includes a helpful checklist of information you’ll need. To file a claim with Aspire General, you can:

  • Call (855) 231-1727
  • Email
  • Report the claim online using Aspire General’s online claim form

You may also be able to contact your broker and get assistance with filing a claim.

Aspire General availability

Aspire General car insurance is only available in two states — California and Michigan. Coverage options may vary by state, as may discounts. Coverage is sold by brokers, so you’ll need to contact a broker in either California or Michigan to get a quote.

Other Aspire General perks worth considering

Aspire General is a smaller insurance company when compared to many of its competitors and it only sells auto insurance. As such, it may not have the resources to offer some of the perks that other companies do. However, Aspire General does boast some helpful tools like online and mobile app policy servicing, 24/7 claims reporting and flexible payment plans.

Aspire General corporate sustainability

Aspire General’s website does not list any philanthropic or civic-based efforts nor does the website report on the company’s social responsibility.

If you’re not sure if Aspire General is the right car insurance company for you, you may want to shop around to see what other options you have. Below are a few companies that may offer similar or expanded coverage when compared to Aspire General.

Aspire General vs. Direct Auto

If Aspire General appeals to you because of its ability to file SR-22 forms, you might want to consider Direct Auto, which also caters to higher-risk drivers. Direct Auto offers more policy types than Aspire General, also selling term life insurance in addition to auto coverage. However, Direct Auto doesn’t sell coverage in California, although it could be an option for Michigan drivers.

Learn more: Direct Auto Insurance review

Aspire General vs. Mercury

California drivers may also want to consider Mercury, although coverage isn’t sold for Michigan drivers. Mercury boasts robust online and mobile resources as well as low average rates. Mercury is a larger company than Aspire General, too, and sells home, renters, umbrella and business insurance along with auto insurance.

Learn more: Mercury Insurance review

Aspire General vs. Progressive

Progressive sells auto insurance in all 50 states and Washington, D.C., so drivers across the country can take advantage of its policy options. Progressive sells both standard and non-standard car insurance, so drivers who need SR-22 filings and those with clean driving records may qualify. Progressive also offers an impressive list of discounts and coverage types to help you build a policy that fits your unique needs.

Learn more: Progressive Insurance review

Is Aspire General a good insurance company?

Aspire General may be a good company for some drivers. High-risk drivers in California and Michigan may find Aspire General appealing for its ability to file SR-22 forms, although that isn’t unique to the company. Aspire General offers some helpful endorsements and cost-saving discounts, but overall its features don’t particularly stand out among its competitors. If you’re interested in Aspire General, it may be helpful to also gather car insurance quotes from other providers. That way, you can compare rates and policy offerings to help ensure the company you choose is right for your needs.

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