As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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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.
Quick Facts
Aspire General has a B++ (Good) financial strength rating from AM Best.
The company offers discounts for insuring multiple vehicles, having a good driving history, being a senior driver, and taking educational courses.
Aspire General only offers car insurance.
How Aspire General compares to other insurance companies
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Aspire General is a good insurance company, but it’s not usually the best option for most drivers. It excels at providing affordable coverage for high-risk drivers and drivers with bad credit, but it’s not as widely available or financially sound as other similar insurers.
Aspire General customers pay an average of $95 per month for liability coverage and $194 per month for full coverage. This is slightly cheaper than the national average of $104 per month for liability coverage and $204 per month for full coverage.
I found signing the documents on the phone to be difficult. But everything else has been excellent!
Theresa - September 22, 2024
Verified
Happy
Affordable rates.
Factor
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How Aspire General Compares
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Rates
Cheaper
Discounts
Similar to competitors
Availability
Less than competitors
Financial strength
Weaker than competitors
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
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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 Monthly Quote by Insurance Company
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 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Multi-vehicle
Drivers who insure multiple cars with Aspire can save money on their policies.
Good driver
Drivers who maintain a clean record for at least three years can enjoy cheaper rates.
Mature driver
Drivers 55 years of age or older can get cheaper premiums if they complete a state-approved driver safety course.
Alcohol education awareness
Drivers who complete a state-approved alcohol education awareness program qualify for a discount on their policy.
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.
Donald - October 31, 2024
Verified
Fair
They hung up on me. That was very rude.
Deborah - September 29, 2024
Verified
I have referred 3 people so far
I found signing the documents on the phone to be difficult. But everything else has been excellent!
Theresa - September 22, 2024
Verified
Happy
Affordable rates.
Curt - September 17, 2024
Verified
Okay Insurance If You Need It
Nothing special, they're like any other insurance company. One thing to watch for are their 'convenience fees', which are not convenient for the client. They also have no discounts for excellent drivers or senior drivers.
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.
Rating
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Score
▲▼
What This Means
▲▼
AM Best
B++ (Good)
Stable financial strength
NAIC Complaint Index
6.29
More complaints than average
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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.
Aspire General insurance FAQs
Is Aspire General insurance the right option for you? Check out this additional information about the insurer below.
Is Aspire General legitimate?
Yes. Aspire General is a legitimate insurance company with no recorded fraudulent practices. It’s a small insurer that provides coverage in only three states.
What’s the average cost of Aspire General car insurance?
The average cost of Aspire General car insurance is $145 per month. Drivers pay an average of $95 per month for liability coverage and $194 per month for full coverage.
Who owns Aspire General Insurance Company?
California General Insurance Services owns Aspire General Insurance Company.
Is Aspire General good at paying claims?
Aspire General has an AM Best financial strength rating of B++ (Good), indicating its ability to pay claims. But this score is lower than those of its competitors and larger companies, like State Farm and Allstate.
How do you cancel your Aspire General insurance policy?
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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