With headquarters in Rancho Cucamonga, California, Aspire General Insurance is a small regional insurance company. It’s an excellent choice for high-risk drivers who need specialized coverage and like a smaller, local company. But drivers who don’t live in the three states the company writes in won’t be able to enroll with Aspire. The company currently only sells policies in California, Arizona, and Michigan.
If you’re comparing quotes to find the best insurance for your needs, keep reading to learn how Aspire General stacks up to its competitors.
How Aspire General rates compare to competitors
In the broader insurance market, Aspire’s rates are fairly average. But when compared to other small regional insurers, Aspire is cheaper. The table below compares Aspire’s full-coverage rates to some of its competitors.
Average cost of Aspire General auto insurance
Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record — such as a speeding ticket, an at-fault accident, or a DUI — pay higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim, and they charge higher rates to make up for the possible financial loss.
Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers, usually up to age 75, pay the lowest rates because they have the most experience.
The table below illustrates how Aspire General’s monthly liability rates compare to the national average liability rates for various driver profiles.
Aspire General car insurance cost by state
Car insurance requirements and prices vary depending on which state and ZIP code you insure your car in. Each state has different minimum car insurance requirements, driving laws, and risks, so insurance companies set rates accordingly.
Aspire General offers car insurance in only three states. You can see how average monthly liability rates vary between each state in the table below.
Aspire General car insurance discounts
It’s important to consider what car insurance discounts you qualify for when choosing a company. Discounts can go a long way in saving you money on your policy. Aspire General offers four car insurance discounts, each of which can put a dent in your premiums.
How customers feel about Aspire General
Aspire General is a smaller insurer and is left out of many common auto insurance rankings, including J.D. Power’s Auto Insurance Study. It earned an AM Best financial strength rating of B++ (Good), which indicates decent financial strength.1 The company has far more complaints than average on the National Association of Insurance Commissioners (NAIC) Complaint Index, scoring a 6.29, which doesn’t indicate good customer service.2
The Better Business Bureau (BBB) gave Aspire General an A+ score, but its customer review rating of 1.14 out of 5 stars and numerous negative reviews paint a poor picture. Many reviews complain about user experience and difficulty when it comes to claims.3
Aspire General customer reviews
The following comments are real, verified reviews from Aspire General customers.
Aspire General ratings
Aspire General doesn’t receive stellar ratings from the top scoring systems in the insurance industry. AM Best measures insurers’ financial strength, J.D. Power measures insurers’ customer satisfaction, and the NAIC Complaint Index measures how many complaints an insurer gets compared to the average.
Due to its small market share, Aspire isn’t rated by J.D. Power. Using real customer reviews from companies like the BBB will give you a better idea of its customer satisfaction.
Aspire General car insurance coverage options
Aspire General offers the standard state-minimum liability insurance coverages, along with collision and comprehensive coverage, which pay for damages resulting from collisions and non-collision events, respectively. The insurer also offers uninsured/underinsured motorist coverage, which protects you if you’re hit by a driver with little or no insurance.
Aspire General also offers some special coverages and endorsements that set it apart from the pack:
Stereos/sound systems coverage: This covers manufacturer-installed stereos, sound systems, radios, cassette decks, and CD players up to $500 after the deductible.
Named non-owned vehicle coverage endorsement: This provides liability coverage to a person who doesn’t own the vehicle as long as the policy applicant signs a disclosure.
Utility trailers: This provides liability coverage to trailers when attached to an insured car, as long as they’re less than 1,500 pounds.
Permissive use endorsement: This provides physical damage coverage for drivers the owner has given permission to use the car.
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