Aspire General Insurance Review

  • With 1.6/5 stars in 2024, Aspire General is a poor insurance company.
  • Read Aspire General reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Aspire Insurance: Ratings and reviews

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Rating from The Zebra Question mark icon

Based in Rancho CucamongaCalifornia, and serving primarily drivers in the Golden State, Aspire General is a non-standard car insurance company for those who may have trouble finding insurance elsewhere. Like many non-standard insurers, the company advertises low down payments and flexible payment plans and depends on a network of insurance agents to sell policies locally.

Continue reading for our review of this regional auto insurance company and to learn more about what it has to offer.

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1.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at Aspire General
  • An option for high-risk drivers

  • Excellent financial strength

  • Offers one, three, six and 12-month policy terms

  • Only available in California, Michigan and Arizona

  • Extremely limited online information

  • No mobile app

  • No online quoting

Is Aspire General a good insurance company?

The majority of The Zebra's review incorporates how well Aspire General scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

BBB Customer Reviews: 1.13/5

  • Aspire General has a 1.13/5 rating from Better Business Bureau customers[1]

Complaint Index: Above average

  • The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Aspire General[2]

Financial Strength: Excellent/Good

  • Aspire General received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]

The Zebra Customer Satisfaction Survey

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Aspire General for it to be included.

How much does Aspire General insurance cost?

Information on Aspire General average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating.

It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location and vehicle type. It's worth getting a quote on auto insurance in your area to see if Aspire General can offer coverage within your budget.

Discounts offered

Aspire offers several discounts worth looking into if you want to save some money on your premium. A few examples are included below: 

  • Good driver: If you’ve had a clean driving record for the past three years, you may be rewarded with a lower rate.
  • Multi-car and multi-driver: Insure more than one vehicle on your policy to see some savings. This discount may also apply for single-car policies if you insure additional family members living in the same household.
  • Alcohol awareness education: You may be eligible for this discount if you complete a state-approved alcohol awareness program, as long as you don’t have more than one alcohol- or drug-related violation on your record.

Read Aspire General's full list of discounts here

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What types of coverage does Aspire General offer?

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:

  • Stereo/sound system coverage: All sound systems are covered up to $500 after deductible.
  • Named non-owner coverage: Provides liability protection to someone who does not own a vehicle.
  • Utility trailers: Protect these with liability coverage when attached to the car and less than 1500 pounds.
  • Permissive use: In exchange for an increased physical damage premium, physical damage coverage is provided for permissive users

Read more about Aspire General's coverages here.

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Additional lines of insurance from Aspire

Aspire General’s sole insurance product at this time is car insurance.

Aspire General insurance: Summary

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. The Zebra cautions customers against choosing Aspire as anything except a last resort.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Aspire General: Frequently asked questions

Aspire General may be a good auto insurance option for high-risk drivers in California, Michigan and Arizona. However, it is only available in these states, has limited online information, lacks a mobile app and does not offer online quoting. Although it has excellent financial strength per A.M. Best, it was rated unfavorably by customers at BBB. The Zebra advises considering Aspire as a last resort option.

Aspire General Insurance and The General are separate companies. Aspire focuses mainly on auto insurance in California, while The General offers auto insurance in many states. Both are known for insuring high-risk drivers.

Aspire General primarily offers non-standard auto insurance.

Aspire General writes policies in California, Michigan and Arizona.

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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.