Aspire General Insurance Review (2026)
- Overall rating: fair (2.6/5 stars)
- Digital Experience Score: Good (3.8/5 stars)
Read more below to learn more about Aspire.
Aspire General Insurance: A fair choice for high-risk drivers
Aspire Insurance is a non-standard provider aimed at high-risk drivers who may have trouble securing coverage elsewhere. It offers only basic coverage options, and available discounts — if any — aren’t clearly advertised. Pricing information is limited, and the company has a poor reputation for customer service, earning it a fair rating from experts at The Zebra.
Available only in California, Michigan and Arizona.
Ease of Filing a Claim: Multiple filing options make submitting claims simple and quick.
Website User Experience: Easy-to-use website makes managing your policy simple.
Average Processing Time: Slow processing delays reimbursement when you need funds.
Communication During Claims Process: Poor communication forces you to chase down claim updates.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Aspire General car insurance?
Accurate pricing information for Aspire is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy.[1] Since premiums vary based on factors like age, location, driving history, and vehicle type, the best way to determine if Aspire fits your budget is to get a personalized quote and compare it with other options during your search.
Aspire does not offer online quotes, so calling them is your best option. Or, compare other companies by inputting your ZIP code below.
Compare auto insurance quotes and find the right policy for your needs
Discounts offered at Aspire General: Not listed
Auto insurance discounts with Aspire depend on certain qualifications and state availability. Though specific discounts are not listed on their website, here are some common insurance discounts that may apply:
A discount may be available for customers who bundle another policy, such as home or renters insurance, with their auto insurance.
Aspire Insurance may offer a discount to customers with multiple insured vehicles.
If you have a consistent insurance history, Aspire Insurance might reward you with a discount.
Compare with other companies
See how Aspire stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Medium
Our take:
- An option for high-risk drivers
- Offers one, six and 12-month policy terms
- Only available in California, Michigan and Arizona
Cost: $1,460 for a six month auto policy
Customer satisfaction: Medium
Our take:
- More available than Aspire
- Better customer service scores than Aspire
- Better bundling options than Aspire
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Better trust and reliability. scores than Aspire
- Better customer service scores than Aspire
- Better bundling options than Aspire
Aspire's customer service & claims experience: A lot to work on
Survey results indicate widespread dissatisfaction with Aspire's customer service and claims department. The company's service, including standard policy management and more difficult disputes, does not meet customer expectations.
Snakes
"This company is sneaky. If you are on auto pay they automatically enroll you into a new contract every 6 months. You aren’t given a grace period to cancel, just a fee."- Clearsurance
Unethical
"I was rear-ended by a driver that carried Aspire insurance coverage. I filed my claim online since I was unable to reach anyone and received one voicemail from the adjuster assigned to my claim. I called back and have continued to call and email; I cannot get him or anyone to return my phone calls. I am beyond frustrated and do not understand how a company can operate like this. It is completely unethical."- BBB
Very Rude!
"I would put 0 stars if I could. This place seriously has the worst customer service I have ever experienced. My husband, 7-month old daughter & I got into a car accident & I called to talk to them about our claim & they were super rude & ignorant. I can't even begin to tell you how a minor car accident became super stressful.
Please save yourself some frustration and go with a different insurance company. We just switched to Progressive and couldn't be happier." - Yelp
Claims process: Room for improvement
While Aspire provides convenient digital access for filing claims, the process is otherwise deeply flawed, lacking transparency, communication, and an effective dispute resolution system.
Coverage options: Standard plus a few others
Aspire General policies include the standard suite of auto insurance coverages: liability, collision, comprehensive, and the option to add or waive uninsured/underinsured motorist coverage. There is also the option of a collision deductible waiver if you’re in an accident caused by an uninsured motorist. Additional coverage options include:
Carrier pulse: Recent news from Aspire
- Aspire General Insurance Partners with Kyber to Modernize Claims Correspondence.[2]
Final thoughts: Is Aspire General right for you?
High-risk drivers in covered states are the only group that should consider Aspire General insurance. If you choose Aspire for car insurance, it’s important to understand the limitations of your coverage and the company. The Aspire website is as limited as can be, with little information and no way to receive a quote.
Frequently Asked Questions about Aspire General
Get quotes from Aspire and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Aspire General Insurance Partners with Kyber to Modernize Claims Correspondence. Fox 4 News
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.