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.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
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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
24/7 claims support
Good driver, multi-car, safe car, anti-theft and good student discounts
Holds a B++ rating with AM Best, indicating decent financial stability
New
What’s new with Aspire General?
In 2023, Aspire General added a third state — Arizona — to its coverage area.
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 offers two levels of coverage: Savings and Advantage. Each package 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. Both policies are able to support drivers who need to obtain a SR-22. Unfortunately, unlike many major insurance companies, you can’t use the Aspire General website to get a quote or purchase a policy. You can only buy a policy from insurance brokers who are appointed to sell Aspire General’s products. This may be somewhat inconvenient for drivers who prefer a digital experience.
Pros and cons of Aspire General car insurance
Even the best car insurance companies have both perks and drawbacks. Before you sign a policy contract, it’s a good idea to make sure the pros outweigh the cons for the insurer you’re considering. Here are some Aspire General pros and cons to factor into your decision:
Fewer optional coverage types than some competitors
Only available in Arizona, California and Michigan
AM Best rating is lower than some companies
High number of NAIC complaints
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 General customer satisfaction
Aspire General insurance reviews would ideally cite data from third-party agencies like J.D. Power; however, this insurer isn’t included in J.D. Power's studies on customer satisfaction, claims satisfaction or digital experience, likely reflecting its smaller market presence. Aspire is rated by AM Best, though. Its B++ rating indicates sufficient financial strength and operating performance. While AM Best's rating provides some insight into this insurer’s reliability, 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 1.00 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 General has shown a concerning trend regarding customer complaints over the last few years. The complaint index has been steadily increasing, indicating a growing number of dissatisfied customers. For the years 2023 and 2024, the company had a complaint index of over 6, meaning the company has six times the complaints that would be expected given its market share of policies. This pattern suggests ongoing issues, potentially relating to customer service, claims handling or overall policy satisfaction. Prospective policyholders should carefully consider this trend when deciding whether Aspire General insurance is the right fit for them.
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 advertised 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 to qualify for this discount.
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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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Aspire General
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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. Because Aspire General lacks average rate data and J.D. Power scores, potential customers might need to rely more heavily on other factors, such as evaluating the types of coverage available and firsthand customer reviews.
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 and Arizona drivers. On average, Direct Auto’s policies are $328 per month for full coverage and $82 per month for minimum coverage.
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. A larger company than Aspire General, Mercury sells home, renters, umbrella and business insurance along with auto insurance. This can streamline your insurance-buying process and may allow you to enjoy additional bundling discounts. On average, Mercury’s policies are $191 per month for full coverage and $55 per month for minimum coverage.
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. Progressive will also help you compare its costs with those of competitors, which makes price comparison easy. On average, Progressive’s policies are $184 per month for full coverage and $60 per month for minimum coverage.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Aspire General a good insurance company?
Aspire General may be a good company for some drivers. High-risk drivers in the states Aspire General serves may find it 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 you.
What are real-life customers saying about Aspire General?
When evaluating customer experiences with Aspire General, it’s important to note that feedback is somewhat limited given the company’s smaller size and coverage area. Typically, we prefer sourcing reviews from a variety of platforms to offer a balanced perspective, but in this case, Yelp stands out as the primary source of customer opinions. While Yelp isn’t exclusively dedicated to insurance reviews, it still offers useful insights from policyholders sharing their real-life experiences, which can provide a clearer picture of what to expect when working with Aspire General.
Yelp
The majority of Yelp reviews for Aspire General highlight negative experiences, although it’s important to note that online reviews tend to skew toward complaints, as dissatisfied customers are more likely to leave feedback. Common issues reported include poor communication, long delays in claims processing and difficulties with customer service. However, there are occasional positive remarks, with one reviewer praising the company’s customer-oriented approach. These mixed reviews don’t fully represent every policyholder’s experience, but they provide insight into some potential challenges customers might face.
Yelp User 1*
Jan 22, 2024
Aspire General review
Great insurance company! Very customer oriented. Would definitely recommend this insurance company.
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.
I was in a crash with one of Aspire’s insured who admitted fault on September 23 2023. My car was totaled and I was given a claim adjuster and for the last 8 months she has never contacted me. When I call her extension 9/10 times it would go to voicemail and she would never respond to my voicemails or emails. My insurance paid me out for the totaled car but I had to spend out of pocket for a rental car and I missed work due to severe whiplash. Aspire is supposed to reimburse me for the rental car expenses and lost wages and my insurance company for the totaled car value. This has been going on for almost 9 months and Aspire is still dragging this out.
WORST EXPERIENCE EVER!!! Customer service is HORRIBLE!! I made a payment,but somehow something got messed up and now my insurance is canceled.. the only explanation I received was that I wrote the wrong policy number on my money order and there's nothing they can do...BUT I ALSO SENT IN THE PAYMENT COUPON with my payment...ARE YOU SERIOUS....so basically I'm at a loss.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
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 something else, Aspire General provides multiple contact avenues to accommodate your needs.
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
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 or email claims@agicins.com. Alternatively, you can file a claim online using the company’s online claim form. You may also be able to contact your broker and get assistance with filing a claim.
Yes, Aspire General is a small but legitimate insurance company. It focuses on coverage for high-risk drivers and provides SR-22 filing for drivers who need it.
Aspire General provides auto insurance for drivers in California, Michigan and Arizona, and specializes in coverage for high-risk drivers.
Aspire General offers bilingual customer service and claims processing in English and in Spanish.
Based on the available information, it's not clear whether Aspire General has specific sustainability practices such as carbon neutrality or paperless policies. Its official website does not provide explicit details on its commitment to environmental sustainability. For a definitive answer, it would be best to contact Aspire General directly to inquire about the company’s sustainability initiatives or any environmentally friendly practices it may have in place.
Aspire General does not have a Bankrate Score, which might raise questions for some potential policyholders. It's important to understand that not all insurance companies are evaluated for a Bankrate Score. This can be due to a variety of reasons, including the company's business model, such as relying on multiple third-party underwriters to provide their insurance policies. When an insurer works with various underwriters, the consistency of policy offerings, service quality, financial stability and other critical factors can vary, making it challenging to assign a uniform rating. Therefore, while Aspire General might offer valuable insurance solutions, the absence of a Bankrate Score indicates that we have not conducted a comprehensive review of every aspect of the company’s service and offerings.
What policyholders are saying about Aspire General
Aspire General has 50 reviews
Dive into community reviews below and see what others think about Aspire General.
4.1
50
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
72% of policyholdersrecommend this insurer
Score breakdown
5 stars
46%
4 stars
26%
3 stars
18%
2 stars
8%
1 star
2%
Score by category
Overall rating4.1 / 5
Original cost3.9 / 5
Coverage3.9 / 5
Customer support4.0 / 5
How we got these ratings
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Aspire General.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The best thing is their pricing with the customization, I will only switch if another gives better deals for similar products
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Because I went with my first mind, i felt the company met my expectations because I didn't really have that many.
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because they provide quality and reliable services and I will switch to a different company if they stop providing quality and reliable service or if I find a more better service from other brands
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their customer service is the best I’ve had so far. They have fair prices. Their app is great.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Because I heard it was good and wanted to try it and it turned out to be a good one
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I’d stay because their customer service is quick and helpful—last time I filed a claim, it was processed smoothly. But I might switch if their rates keep increasing without added benefits, like my last renewal where my premium jumped for no clear reason.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They covered a bit more than others while also being affordable. They answered all my questions and did a great job explaining to me.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
the customer service is excellent
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The reliable coverage and pricing keep me happy, but unexpected rate increases might affect that.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
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.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
