Get free quote in-app


Aspire General Insurance Review

The better Way to shop for Aspire General car insurance

√ Free quotes from 200+ carriers in seconds

√ Lowest rate guaranteed

√ Up to $971 savings per year on average

4.9/5 Rating on the App Store



It is always hard to find an auto insurance policy for high-risk drivers. Even if you find one, you may need to pay higher amounts to get an insurance policy. So, your primary aim will be to find an insurer that provides a cheap insurance policy. That’s where Aspire General Insurance company turns out to be a blessing for you.

It could be one of the best auto insurance companies in California for high-risk drivers with prior violations on their records, or for those who are not qualified for coverage with other major insurance firms due to claims history or other risk factors. However, one drawback is that only California residents are eligible for Aspire auto insurance. The company sets its policies, which are distributed via a network of independent brokers around the state.

So, how much does an Aspire auto insurance policy cost? What are the coverages and discounts they offer? Our research answers all that!

Pros and Cons

Offers bilingual service thereby assisting Spanish-speaking drivers through the coverage The policies offered may be expensive
Provides flexible payment plans Limited availability. The company provides insurance only in California.
Specializes in giving non-standard insurance for drivers in the high-risk category AM Best has given only a B+ rating (good) on their website
Customers can manage and easily pay the premium online via the website  
To get you insured quickly, automatic payments and e-signatures are available.  

See what you could save on auto insurance

Aspire Auto Insurance Coverages

Savings and Advantage are the two levels of auto insurance coverage offered by Aspire General. Each policy comes with the basic set of auto insurance coverages, including liability, comprehensive, and collision coverage, and the option to add or waive uninsured/underinsured auto coverage. In addition, both come with a collision deductible waiver if you’re in an accident caused by an uninsured driver, a permissive use endorsement, and, if necessary, filing an SR-22 with the DMV.

Aspire General’s Savings and Advantage insurance provide many unique features and additional coverage options. Both levels offer roadside service for an additional $5 per month, enrolling you in roadside assistance. Also, both feature the named non-owner coverage endorsement coverage, reserved for those who don’t own a vehicle but offer liability protection whenever you drive. 

Features and coverages of Aspire General Savings

  • You can’t increase the bodily injury part liability coverage beyond the state-mandated minimum ($15,000 per person/$30,000 per accident). However, property damage liability can be increased to $10,000 from the minimum of $5,000, and medical payments coverage is not covered.
  • Your deductible is tripled during the first 60 days of your policy’s inception or reinstatement. For instance, if your deductible is $500 and you need to file a claim within 60 days, your deductible will be $1,500.
  • Collision and Comprehensive insurance, with a $500 limit, cover permanent, factory-installed sound systems in your vehicle at no extra cost.

Features and coverages of Aspire General Advantage

  • You can't increase the bodily injury part liability coverage beyond the state-mandated minimum ($15,000 per person/$30,000 per accident). However, property damage liability can be increased to $10,000 from $5,000. Only Aspire Advantage offers optional medical payments coverage, which has a $1,000 or $2,000 cap.
  • Aspire General will pay a rental reimbursement of $20 or $30 per day for a rented car when your car is under repair after an accident. The reimbursement will be for up to 20 or 30 days. Your insurance coverage determines the exact amount.
  • Optional towing and labor coverage reimburses the policyholder $50 per disabled insured vehicle, up to a maximum of $20.

Aspire Average Auto Insurance Rates

Aspire Auto Insurance company normally offers lesser down payments on average for high-risk driversthan other carriers. This California-only insurer also provides flexible payment options. The average annual auto insurance price for minimal coverage is $1,183.

When calculating your Aspire Auto Insurancequote, the firm considersseveral factors. Factors like the type of car,driving history, and personal characteristics significantlyinfluence your premiums. Teenage drivers are nearly three times as likely to be involved in a collision than drivers over the age of 20. Because of the increased risk, they pay substantially higher rates than the normal driver.

Younger drivers pay an average of $1,750 per year with Aspire, while older drivers pay an average of $1,847 per year.Based on theage category, here's what drivers pay with Aspire Auto Insurance company.

Aspire Auto Insurance Average Car Insurance Rates by Age

Aspire Rates for Teen Drivers

  18-year-old driver
Aspire $1169
National Average $7038

Aspire Average Rates for Young Adults

  25-year-old driver
Aspire $1795
National Average $3348

Aspire Average Rates for Seniors

  60-year-old driver
Aspire $1388
National Average $1548

Aspire Auto Insurance Rates by Coverage

Aspire Auto Insurance for Good Drivers

  Average Premium for Good Drivers
Aspire $1644
National Average $1678

Aspire Auto Insurance for Drivers with a Speeding Ticket

  Average Premium for Drivers with a Speeding Ticket
Aspire $2038
National Average $2040

Aspire Auto Insurance for Drivers with a DUI

  Average Premium for Drivers with a DUI
Aspire $1860
National Average $2889

Aspire Auto Insurance Discounts

If you want to save money on your premium, Aspire provides many discounts worth checking into. But, Aspire provides fewer auto insurance discounts than other larger insurance firms. Some of them are dependent on age or participation in a program. If you have a clean driving record and want more discounts, you should check the policiesof major insurance companies.

Discounts Available What It Means
Claim Free Discount If you don't have any accidents or claims, you can be eligible for a good driver discount.
Multi-Car Discount You can save money if you insure multiple cars with Aspire.
Safe car Discount You can get this discount if your vehicle has anti-lock brakes.
Anti-Theft Discount Installing a tracker or alarm in your car may qualify you for this discount.
Good Student Discount This discount may be available to students who are currently enrolled in school and have a high GPA.
Safe Driving Discount Aspire General may reduce your premiums if you maintain a clean driving record for three years.
Multi-Driver Discount You can save on your premiums by insuring more than one driver in the same household.
Mature Driver Discount You may be eligible for a mature driver discount if you are 55 years old or older and have completed a state-approved driving safety course. You must submit your completion certificate to the company, which is valid for three years of discounts. After that, you'll have to retake the course to keep your discount.
Alcohol Education Awareness Discount You may be eligible for an alcohol education awareness discount if you have completed a state-approved alcohol education awareness program and have no more than one alcohol- or drug-related violation on your record.

Aspire Auto Insurance Customer Satisfaction

The customers are satisfied that the company provides auto insurance to high-risk drivers. The majority of the negative Aspire Auto Insurance reviewsinvolve slow claims process and trouble contacting claims adjusters. Some customers also claim that Aspire customer service or connected representatives did not effectively address inquiries about their policies.

See what you could save on auto insurance Summary

Aspire Auto Insurance may be a viable alternative for California drivers with and without dubiousdriving histories - past infractions, insurance lapses, flagrant violations, or an at-fault accident. They offer basic coverage options at reasonable prices with a variety of discounts. So, if you live in California, Aspire is a fantastic auto insurer to consider if you're a high-risk driver looking for a low premium insurance policy.

Aspire takes pride in providing dependable customer service and cutting-edge claims analysis. The company built a one-of-a-kind call center to give quick and responsive responses in real-time for both customer service and claims. It also provides bilingual assistance, which helps Spanish-speaking drivers. The company website also provides a cutting-edge 'Live Chat' option.

AM Best currently has given a rating of B+ for Aspire Auto Insurance. It means that the company has a reasonable chance of meeting all of its financial responsibilities and promises to policyholders. The main issue is that the company only provides insurance to drivers in California. So, it's critical to understand the limitations of your coverage and the provider if you pick Aspire Auto Insurance. Aspire General will not provide policies for the following things, in addition to not covering drivers outside of California.

  • New cars worth $50,000 or more
  • Cars that aren't parked in a garage
  • Vehicles that do not have an engraved VIN or an approved anti-theft device

About Aspire Auto Insurance

Aspire General Insurance Company is a private passenger auto liability and bodily damage carrier based in Rancho Cucamonga, California.It underwrites the insurance sold by Aspire General Insurance Services, LLC, an affiliated general agency. Aspire claims to have over 100 years of combined managerial experience on its website. Aspire group of firms is responsible for all aspects of the insurance process, from the point of sale to claims processing.

Contact Details

Type of Contact Contact
Home Office P.O. Box 870,
Rancho Cucamonga, CA 91729
Customer Service 877-789-4742
Claims Support 855-231-1727

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!


app store
google play