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Aspire General insurance review 2024

Updated May 20, 2024
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At a glance

Bankrate's take

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 Arizona, California and Michigan. Our Aspire General Insurance review might help you decide if the company fits your needs.

  • Offers support for Spanish-speaking customers
  • Robust online portal for policy management and payments
  • In-house claims with 24/7 claims support
  • Exclusive discounts including good driver, multi-car, safe car, anti-theft and good student discounts
  • Holds a B++ rating with AM Best, indicating decent financial stability


What’s new with Aspire General?

In early 2023, Aspire General named a chairman of the board, Byron Storms, who also serves as the company’s president and CEO. Storms has been with the company since 2015. A month after this announcement, Aspire General added a third state — Arizona — to its coverage area.

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Aspire General car insurance review

Aspire General sells policies aimed at the needs of high-risk drivers in Arizona, 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:

  • May have options for high-risk drivers

  • Various coverage levels available

  • Bilingual service is available

  • Fewer optional coverage types than some competitors

  • Only available in Arizona, California and Michigan

  • AM Best rating is lower than some companies

Aspire General car insurance cost

Average rates from Quadrant Information Services aren’t available for Aspire insurance. Your Aspire General car insurance rates will vary based on your unique driving profile and the coverage types and levels you choose. You'll 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 Ceneral customer satisfaction

Aspire General insurance reviews do not feature in J.D. Power or Standard & Poor's (S&P) rankings, likely reflecting its smaller market presence. Understanding third-party ratings, such as the B++ financial strength rating from AM Best, is beneficial; it indicates a good capability to fulfill insurance commitments, which is essential for evaluating an insurer's reliability. However, the absence of J.D. Power ratings means there is limited direct consumer feedback on satisfaction levels, particularly regarding claims and service quality. Thus, while AM Best's rating provides some insight into financial health, the lack of broader customer satisfaction metrics may require potential customers to look elsewhere for comprehensive evaluations.

Aspire General auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies and makes this information available to the public. It uses a baseline of 1.0 to represent the average number of complaints a company might receive for its size, with scores above that baseline indicating more complaints than average and scores below the baseline meaning fewer complaints than average. Aspire earned a well above-average index for the past few years, indicating low customer satisfaction.

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.

  • Good driver: Available on both Savings and Advantage, Aspire General’s good driver discount might apply depending on your driving record. You also must have been continuously insured for three years.
  • Mature driver discount: If you are 55 years of age or older and have completed a state-approved driver safety course, you may be eligible for this discount. You’ll need to submit your certificate of completion to the company and renew your certificate every three years.
  • Alcohol education awareness discount: If you have completed a state-approved alcohol education awareness program, and do not have more than one alcohol- or drug-related violation on your record, you may be able to earn this discount on the Savings policy option.
  • Multi-car: On both the Savings and Advantage plans, if you insure more than one vehicle, you may receive an additional discount.

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Compare Aspire General with other insurers

When considering Aspire General in comparison to other insurers, it's essential to recognize that finding the right car insurance company can often depend on individual needs and preferences. Aspire General, lacking Quadrant data or J.D. Power scores, presents a unique scenario where potential customers might need to rely more heavily on other factors, such as specific coverages offered and customer reviews. If you're uncertain whether Aspire General aligns with your insurance requirements, it could be helpful to explore a range of carriers. Many companies may offer comparable or more comprehensive coverage options, potentially suiting a wider array of insurance needs.

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 and Arizona drivers may also want to consider Mercury, although coverage isn’t sold to 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

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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.

What are real-life customers saying about Aspire General?

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.

To gain a deeper understanding of the customer experience with Aspire General insurance, we've sought out real user feedback from various platforms, including Yelp and Rediit. These platforms, while not traditional review sites, serve as vital forums where individuals freely share their personal encounters and opinions about services and products. Such firsthand accounts can offer valuable insights into what one might expect when choosing Aspire General as their insurance provider.


Conversely, Yelp reviews present a mixed picture. One customer commends Aspire General for its customer-oriented approach, suggesting a level of service that meets expectations and warrants recommendation. In stark contrast, another user recounts a frustrating experience following a rear-end collision involving an Aspire-insured driver. Despite a police report confirming the other driver's fault, the claimant said they faced delays and inaction from Aspire, culminating in the need to pursue legal remedies due to the perceived lack of responsiveness and fairness in handling the claim.

Yelp User 1*
Jan 22, 2024
Aspire General review
Rating: 5 stars out of 5
"Great insurance company! Very customer oriented. Would definitely recommend this insurance company."
via Yelp
Yelp User 2*
Feb 6, 2019
Aspire General review
Rating: 1 stars out of 5
"I was rear ended by a person who had Aspire Insurance. There was a police report stating their driver was at fault. It's been five months and they still have not compensated me for the damages to my vehicle."
via Yelp


From a detailed account shared on Reddit, a user narrates a complex and prolonged claims process after their parked car was hit, highlighting challenges in communication and coordination with Aspire General and the involved parties. The user said the process, marked by delays and a lack of decisive action, led to significant inconvenience and financial strain for the user, underscoring potential issues in claims handling and customer support within the company.

Aspire General company details

For those considering or currently using Aspire General for their insurance needs, understanding how to get in touch with the company is important. Whether you have questions, need to file a claim or want to discuss marketing opportunities, Aspire General provides multiple contact avenues to accommodate your needs. Here are some contact details to keep handy:

    • Customer service: (877) 789-4742 or
    • Claims: (855) 231-1727 or
    • Marketing: (888) 975-1474 or
    • Live chat available at
    • Claims mailing address:
      • P.O. Box 870
        Rancho Cucamonga, CA 91729

State availability

Aspire General is only available in a select number of states, providing specialized insurance solutions to residents in these areas. Specifically, Aspire’s services can be accessed in: 

  • Arizona
  • California
  • Michigan

Aspire General tools and benefits

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.

Frequently asked questions about Aspire General

Written by
Ashlyn Brooks
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance