Aspire General Auto Insurance Review: Ratings and Quotes (2024)

Aspire General sells nonstandard auto insurance to high-risk drivers in a few states.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 11, 2023

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Aspire General Insurance is a California-based auto insurance company that sells coverage to high-risk drivers, like people with past DUI convictions. The company stands out for its mature driver and multi-car discounts, which may help high-risk drivers lower their car insurance premiums.[1]

Although Aspire might be a good car insurance company for some drivers, it has a very small coverage area. Currently, you can only purchase coverage in California and Michigan, but the company recently announced its expansion into Arizona.

Quick Facts
  • Aspire General sells car insurance to high-risk drivers in California, Michigan, and Arizona.

  • The company has various discounts for potential savings.

  • Aspire General has a B+ rating from A.M. Best for financial strength.[2]

What is Aspire General auto insurance?

Aspire General Insurance started in 2013 and is headquartered in Rancho Cucamonga, California. In 2016, the company rebranded to Aspire General from Greenpath Insurance.

Aspire sells basic auto insurance policies to high-risk drivers who may struggle to get insurance from a preferred insurer. It sells policies in California and Michigan and will soon be available in Arizona.[3]

The company employs bilingual agents that provide policy management, customer service, and claim-handling services in English and Spanish. Aspire General underwrites its own auto policies and handles claims internally.

Aspire General pros and cons

  • Coverage for high-risk drivers: Aspire sells car insurance to high-risk drivers, including people with poor driving records or low credit scores.

  • Multiple discounts: Drivers can lower their premiums by taking advantage of Aspire’s car insurance discounts.

  • Bilingual customer service: Aspire has agents fluent in English and Spanish, so you can get assistance in your preferred language.

  • Small coverage area: Currently, Aspire General only sells car insurance in California, Arizona, and Michigan.

  • Few endorsements: Aspire offers few endorsements, so it may not be the best insurer if you want to customize your policy.

  • Poor financial strength rating: Aspire’s A.M. Best rating for financial strength is B+, which is lower than many larger auto insurance companies.[2]

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Average cost of Aspire General auto insurance

Reviewing the best car insurance companies typically includes comparing quotes from multiple insurers. While you can get an Aspire General auto insurance quote in a few states to check your potential rates, average premium data isn’t available. 

Aspire General car insurance coverage

Aspire General offers car insurance policies that meet the minimum coverage requirements in California, Michigan, and Arizona. This may include liability insurance, uninsured/underinsured motorist insurance, and personal injury protection (PIP).

Aspire also offers full-coverage policies, which include liability insurance, collision insurance, comprehensive insurance, and medical payments coverage. In addition to these basic coverages, Aspire sells a few other policies. Here are other coverage options you can get through Aspire:[1]

  • Stereo/sound system insurance: If you have an Aspire auto insurance policy, you can add stereo insurance, which provides coverage for permanently installed OEM sound systems.

  • Named nonowner insurance: Named nonowner insurance provides liability-only coverage to drivers who don’t own a vehicle but occasionally borrow other people’s cars.

  • Utility trailer insurance: You can get utility trailer insurance if your personal vehicle is insured with Aspire. This policy only includes liability coverage and won’t cover any physical damage to the trailer.

How to get an Aspire General car insurance quote

Unlike some of the most popular car insurance companies, Aspire General doesn’t offer online quotes. You must contact the company directly. Here’s a brief look at how you can get an insurance quote from Aspire:

  1. Contact the company. Call Aspire at 1 (877) 789-4742. A licensed insurance broker will help you start the quote process.

  2. Choose your coverages. Before you can get a quote, you’ll need to decide what types of coverage and coverage limits you want.

  3. Get your quote. The broker will calculate your rate quote based on your coverage preferences and the discounts you qualify for. If you’re satisfied with your rate quote, you can move forward with purchasing a policy.

Aspire General car insurance discounts

Aspire car insurance offers a wide selection of discounts, which could reduce your premium. Here are the car insurance discounts you can get through Aspire General:[1]

  • Good driver: Drivers who have been licensed for three consecutive years and have no recent traffic violations can get a cheaper premium.

  • Multi-vehicle: If you insure more than one vehicle on your auto insurance policy, you can get a cheaper rate.

  • Mature driver: Drivers older than 55 who complete a state-approved driver safety course and are the primary driver on their policy can qualify for a discount.

  • Alcohol education awareness: If you complete a state-approved alcohol educational awareness program, Aspire will give you a car insurance discount.

Aspire General insurance bundling options

Aspire General currently only sells auto insurance policies, so you won’t be able to bundle auto and home insurance with the company for a discount. However, you could get a multi-car discount if you insure more than one car with Aspire General insurance.

To find out how much you could save as a high-risk driver with multiple vehicles, you should contact an Aspire General insurance agent to get a quote.

Aspire General insurance reviews and ratings

Aspire General is a relatively small insurance company, so it doesn’t have many third-party ratings. However, it does have customer reviews on sites like Trustpilot and the Better Business Bureau (BBB). These reviews are overwhelmingly negative, with only a few customers citing positive experiences with the company.

Aspire General customer reviews

Overall, Aspire’s car insurance ratings are poor. One of the most common complaints is that the company has bad claim-handling practices. Customers have had issues with denied claims and difficulty contacting adjusters and representatives.

Aspire General ratings

When comparing car insurance companies, it’s important to look at third-party ratings from organizations like A.M. Best and the National Association of Insurance Commissioners (NAIC). Unfortunately, Aspire General doesn’t have the best ratings. Its NAIC complaint index is 9.29, which is significantly higher than the industry benchmark of 1.0.

  • A.M. Best: B+

  • Better Business Bureau: A+ (Not accredited)

  • NAIC Complaint Index: 9.29 (More complaints than expected)

Aspire General vs. other insurance companies

To find the best car insurance company for your needs, it’s a good idea to compare multiple insurers. Below, you can see how Aspire compares to some other popular car insurance companies.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageA.M. BestJ.D. Power*
Aspire GeneralN/AN/AB+Not Rated
State Farm$125$175A++842
Nationwide$167$182A+815
The General$259$451A-Not rated
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. *J.D. Power’s 2022 Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.

Aspire General vs. State Farm

State Farm stands out for its affordable premiums and excellent third-party ratings. It has an A++ A.M. Best financial strength rating, which is much higher than Aspire General’s B+ rating.[4] State Farm is also rated as the top large insurer in J.D. Power’s 2022 Insurance Shopping Study.[5]

State Farm doesn’t specialize in high-risk car insurance, so it might not be the best option if you need nonstandard coverage. But you can purchase a State Farm car insurance policy in most states and start the quote process online.

Aspire General vs. Nationwide

Nationwide has much better third-party ratings than Aspire does. If you’re looking for an insurance company with excellent customer satisfaction and claims handling, Nationwide might be a better option. It also provides plenty of endorsements for customizing your policy. You can purchase accident forgiveness, gap insurance, towing and labor coverage, roadside assistance, and more.

Nationwide also offers several policies that Aspire General doesn’t offer. For example, if you drive infrequently, you can enroll in Nationwide’s SmartMiles program, which can help you get more affordable auto insurance. You can also look into the safe driver reward program, called SmartRide, which may lower your premiums when you demonstrate safe driving habits.

Aspire General vs. The General

The General is another insurer that sells nonstandard car insurance in addition to regular car insurance. The company doesn’t offer many endorsements for policy customization, but it does offer a longer list of discounts. The General advertises discounts for safe drivers, good students, taking a defensive driving course, insuring a vehicle with passive restraints, and others.

Because The General specializes in high-risk car insurance, its average premiums are more expensive than some other insurers. However, you can get an instant rate quote online to see how much you’ll pay for coverage.

How to file an auto insurance claim with Aspire General

If you experience an insured loss, you can file a claim with Aspire General for reimbursement up to your policy limits. For example, if you hit another driver, you can file a claim to have your car insurance policy cover the damages you caused. 

Here are the steps to follow if you need to file a claim with Aspire General:

  1. Notify the company. To file the claim, you’ll need to call Aspire at 1 (916) 306-1831 or send an email to claims@agicins.com. You can also submit the claim form online.

  2. Submit the claim details. You’ll need to submit information about the incident. Be prepared with information like your policy number, vehicle information, facts surrounding the claim, police report, witness contact information, and anything else that could help the insurance company investigate the claim.

  3. Wait for your reimbursement. Once you submit your claim information, Aspire General will assign an adjuster to the case. They’ll investigate the incident, determine if the company will cover the loss, and calculate how much money you’ll receive. If Aspire General approves the claim, you’ll receive the reimbursement for covered losses, depending on your policy.

Aspire General insurance FAQs

While Aspire General is a lesser-known car insurance company, it always pays to compare car insurance reviews before buying or switching your policy. In the meantime, here are answers to frequently asked questions about Aspire General’s car insurance.

  • Is Aspire General legitimate?

    Yes, Aspire General is a legitimate insurance company with no history of fraudulent business practices. However, it’s a very small insurer with a limited coverage area.

  • Is Aspire General car insurance worth it?

    Aspire may be worth it for high-risk drivers who struggle to get insurance through a standard insurance company. Aspire has more flexible underwriting requirements, which can make it easier to get coverage if you have poor credit, negative marks on your driving record, or a DUI on your record.

  • Who owns Aspire General?

    Aspire General isn’t owned by a third-party insurance or holding company. The Aspire General Insurance Company underwrites its policies, and Aspire Claims Services handles its claims.

  • Who should get Aspire General insurance?

    High-risk drivers may find that Aspire General is a good insurance company. Aspire specializes in nonstandard auto insurance, so you might explore this company if a larger insurance company has denied you coverage in the past.

  • Is Aspire General good at paying claims?

    Aspire General has a B+ A.M. Best rating, which means it doesn’t have the best ability to pay claims compared to other larger insurers.[2] Additionally, many of Aspire’s negative customer reviews are about the company’s poor claim-handling process and difficulty reaching an adjuster.

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Sources

  1. Aspire General Insurance. "Savings Underwriting Guide." Accessed May 9, 2023
  2. A.M. Best. "Aspire General Insurance Company Profile." Accessed May 9, 2023
  3. Insurance Journal. "Aspire General Insurance Expanding into Arizona." Accessed May 9, 2023
  4. A.M. Best. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Most of Its Subsidiaries." Accessed May 9, 2023
  5. J.D. Power. "2022 U.S. Insurance Shopping Study." Accessed May 9, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

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