Aspire General Insurance Review

Aspire General Insurance earned an overall score of 2.5/5 in The Zebra's review. Read more below to find out if they're the right carrier for you.

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By Kristine Lee

Updated March 29, 2023

Edited By Renata Balasco

Aspire Insurance review

Table of contents:

Aspire car insurance review
Car insurance coverage options
Aspire discounts
Is Aspire right for you?

2.5 Rating from The Zebra

Based in Rancho Cucamonga, California, 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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JD Power Rating — Not rated

Financial strength — Good: Aspire received a rating of B+ and a stable outlook by AM Best, indicating a solid ability to pay out its claims.

NAIC Rating — Below average: Aspire General received more customer complaints than the national average, according to the National Association of Insurance Commissioners (NAIC).

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Aspire General car insurance coverage options

Aspire General offers two tiers of auto insurance coverage — Savings and Advantage.

Each includes the standard suite of auto insurance coverages: liability, collision, comprehensive, and the option to add or waive uninsured/underinsured motorist coverage. Both also include the options of a collision deductible waiver if you’re in an accident caused by an uninsured motorist, a permissive use endorsement, and if required, SR-22 submission to the DMV.

Outlined below are some notable features and additional coverage options offered by Aspire General’s Savings and Advantage policies.

Aspire General Savings

There is no option to increase the bodily injury portion of your liability coverage beyond the state-mandated minimum ($15,000 per person/$30,000 per accident), property damage liability can be increased to $10,000 from the minimum of $5,000, and medical payments coverage is not included.
Optional triple-deductible discount: Your deductible is tripled during the first 60 days of your policy’s inception or reinstatement. For instance, if you have a $500 deductible and you need to file a claim during this 60-day window, your deductible would be $1,500.
Stereos and sound systems: Permanent, manufacturer-installed sound systems in your vehicle are covered by comprehensive and collision — with a $500 limit — at no extra cost.
Named non-owner coverage endorsement: Reserved for those who don’t own a vehicle, this provides liability protection for times you need to drive. Learn more about non-owners car insurance.
Roadside service: For an extra $5 per month, you can enroll in roadside assistance.

Aspire General Advantage

There is no option to increase the bodily injury portion of your liability coverage beyond the state-mandated minimum ($15,000 per person/$30,000 per accident), property damage liability can be increased to $10,000 from the minimum of $5,000. Optional medical payments coverage is only available through Aspire Advantage, with a limit of $1,000 or $2,000.
Named non-owner coverage endorsement: Reserved for those who don’t own a vehicle, this provides liability protection for times you need to drive.
Optional rental reimbursement: If you need a rental car while your own vehicle is getting repaired following a covered car accident, Aspire General will cover either $20 or $30 a day for up to 20 or 30 days. The specific limit depends on your insurance policy.
Optional towing and labor: This coverage will reimburse the policyholder $50 per disablement of the insured vehicle, up to a $200 annual maximum.
Roadside service: For an extra $5 per month, you can enroll in roadside assistance.

Aspire General auto insurance discounts and reward programs

Aspire offers several discounts worth looking into if you want to save some money on your premium. Aspire offers fewer discounts on car insurance than do some larger insurance companies.

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.

Additional lines of insurance from Aspire

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

Is Aspire General insurance right for you?

California drivers looking for low rates from a reputable CA based auto carrier with and without questionable driving histories — with past infractions, insurance lapses, egregious violations, or at-fault accidents — may find Aspire General to be a good option. If you choose Aspire for car insurance, it’s important to understand the limitations of your coverage and the company.

Save an average of $440 a year by comparing your options.

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 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.