Jerry's team performed a comprehensive car insurance research study and found that Aspire nabbed the 2nd spot in the overall rankings when compared to similar companies.

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Updated on Sep 18, 2023

Lina Zhang

Licensed Insurance Agent, VP of Operations

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

What's on this page?

Comprehensive Aspire Car Insurance Review
So, is Aspire a good insurance company?
Real Aspire Advantage car insurance reviews
Aspire pros and cons
Is Aspire Advantage the right insurance company for you?
Is Aspire Advantage car insurance expensive?
Will Aspire raise your rates?
Does Aspire Advantage resolve claims fast?
Does Aspire Advantage have good customer service?
Aspire car insurance discounts
Aspire coverage options
Aspire’s additional tools and services
FAQs
Read all Aspire Advantage Car Insurance Reviews
Methodology
Meet Our Experts

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Comprehensive Aspire Car Insurance Review

Aspire Advantage aka Aspire General Insurance is a California-based company that offers insurance to mostly non-standard drivers and high-risk drivers in California, Michigan, and Arizona. According to Jerry’s 2023 survey, it ranks toward the top of its group when compared to companies of a similar size and class.

Our analysis reveals that Aspire nabbed the 2nd spot in the overall rankings when compared to similar companies.

See below for a breakdown of how real policyholders assessed the Rancho Cucamonga-based Aspire Advantage:

4.6

613 Reviews

5 Stars

72.27%

4 Stars

17.62%

3 Stars

6.69%

2 Stars

1.47%

1 Star

1.96%

Jerry's

team performed a comprehensive car insurance research study. We gathered original data for 18 months, engaging with 18,000 policyholders across every state in the U.S. The study asked people about their insurance providers, including opinions on claim processing, policy expenses, overall contentment, insurance policy renewals, and more.

So, is Aspire a good insurance company?

Yes, Aspire policyholders seem generally satisfied. Aspire ranked near the top of its cohort for cost and customer satisfaction—though it ranked below average for claims handling and renewals.

The reviews we received were 95% positive. When compared to the national average of only 64% positive and 18.54% negative, that’s a pretty impressive figure.

Even though 72% of customers renewed their policy, there are a few things that Aspire does not appear to be doing very well.

The good: Aspire earned an impressive 4.8/5 overall rating from its customers, with 4.7/5 and 4.8/5 ratings for customer service and buying a policy. Customers noted:

Flexible payment plans and ability to set payment day

Helpful endorsements like stereo coverage

Online and mobile policy management

Advance cancellation notification

The other side: When it comes to claims handling, policyholders rated Aspire a paltry 1.5/5. Plus, Aspire is only available in three states: California, Michigan, and Arizona.

Jump to:

Aspire Car Insurance Reviews

Aspire Pros and Cons

Aspire Advantage is not currently accredited by the BBB (Better Business Bureau).

We asked policyholders to rate this insurance provider on its affordability, claims experience, customer service, and renewal process.

See how Aspire Advantage’s ratings compared to the national average of all companies surveyed below:

Criteria	Aspire Advantage's Rating	Industry Average
Overall	4.9	4.1
Cost / Price	4.7	3.8
Claim Experience	3.5	3.5
Customer Service	4.7	4
Renewal Experience	3.1	4

While assessing Aspire Advantage, we didn't solely depend on our own survey of actual drivers. We also examined evaluations from other industry figures in the industry about Aspire Advantage.

Let’s review comparisons between Aspire Advantage and the national average of other insurance companies in the US:

Critera	Aspire	Score Out Of
BBB Rating	A+	A+
NAIC Rating	5.86	6
Clearsurance	1.56	5
A.M. Best Rating	B+	A++
IOS App Store Rating	n.a	5
Google Play Store Rating	n.a	5

Please note* that a greater NAIC score indicates increased risk.

Real Aspire Advantage car insurance reviews

Beyond policyholders' ratings, we asked them directly about their experience with Aspire. Here’s a peek at some Aspire General insurance reviews in policyholders’ own words:

Aspire pros and cons

We reviewed the data and third-party ratings and here’s a high-level summary of Aspire’s successes and areas where it could improve:

Pros

Affordable rates

Flexible payment options

Responsive customer service team

Cons

Slow claims processing

Unclear renewal process

Is Aspire Advantage the right insurance company for you?

Aspire Advantage may be a good option for drivers who:

Need coverage in California, Michigan, or Arizona

Want flexible payment options

Have violations on their records

Keep in mind that not every driver within these categories is guaranteed to find the lowest possible rates with Aspire. But if you’re classified as a

high-risk driver

and you live in one of the three states covered by Aspire, you might unlock some cost savings by going with this company.

Aspire Advantage provides car insurance including full coverage, liability coverage, uninsured/underinsured motorist coverage, and personal injury protection (PIP) coverage. Although they don't provide other forms of insurance—such as renters or home insurance—Aspire Advantage does offer convenient payment choices like phone-based payments or monthly EFT.

Is Aspire Advantage car insurance expensive?

The majority of Aspire customers we surveyed were very happy with the cost of their policy.

In our survey, 30% of the reviews mentioned cost—and 85% of those mentions were positive. That’s a lot of satisfied customers!

Furthermore, policyholders gave Aspire an impressive 4.7/5 average rating on cost. The national average figure is just 3.8/5, so it’s safe to say that Aspire customers are happier than the average driver with their premiums.

Overall, we find that Aspire offers affordable rates to specific driver profiles in California, Michigan, and Arizona. Take a look at how Aspire Advantage compared to other companies in Jerry’s study:

Aspire Advantage Policy Cost Rating	Ranking	Industry Average
4.7	3	3.8

Keep in mind: Car insurance rates are tailored to each individual. Your quote will be different from someone else’s quote. Like other insurance providers, Aspire Advantage

calculates insurance premiums

by taking into account:

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

amount of coverage

Vehicle make, model, and year

California and Michigan forbid the use of credit scores in determining car insurance rates. While insurance companies within the same state might have distinct models for determining insurance costs, we can identify certain shared trends. Here's a typical pricing structure for Aspire Advantage:

Aspire Advantage cost reviews

Check out how real Jerry users rated Aspire Advantage based on cost below:

Will Aspire raise your rates?

Like all insurance companies, Aspire Advantage can only increase your rates

upon renewal

Here are some of the factors that might trigger a rate increase from Aspire:

You received a recent ticket or violation

You were in a recent accident

You changed your address

You added a new vehicle to your policy

You added a new driver to your policy

Prices went up due to inflation

Despite rating the renewal process with an average 3.1/5 score, 71.5% of Aspire customers renewed their policies.

Does Aspire Advantage resolve claims fast?

Aspire offers 24/7 claims reporting but many policyholders were unhappy with the process, rating it 1.5/5.

Aspire’s claims processing rating puts it at the lower end of its cohort when compared with similar companies. This matters a lot because working with an adjuster in the claims-handling process can be incredibly stressful.

The national average rating for car insurance claims handling is 3.5/5. It seems that Aspire could stand to improve its claims processing to measure up to its competitors.

Aspire Advantage Claims Resolution Rating	Ranking	Industry Average
3.5	16	3.5

Aspire Advantage claims reviews

Here’s how consumers rated Aspire’s claims process, in their own words:

Does Aspire Advantage have good customer service?

Customer service is one of Aspire’s best-rated categories, with a strong 4.7/5 rating from policyholders.

This company’s rating is much higher than the national average, which is 3.9.

Aspire customers reported “great customer service” and said that it was “easy to reach out and ask questions.”

Take a look at how survey respondents rated Aspire’s customer service experience:

Aspire Advantage Customer Service Rating	Ranking	Industry Average
4.7	3	4

Aspire Advantage customer service reviews

Check out how real Jerry drivers rated Aspire based on customer service below:

Aspire car insurance discounts

Aspire does not offer any bundling discounts because they only sell car insurance. That said, there are plenty of other

car insurance discounts

on offer:

Good driver discount: Drivers who have held a license for three consecutive years and have received no recent traffic violations can earn a cheaper premium.

Multi-vehicle: If you insure more than one vehicle with Aspire, you can get a cheaper rate.

Mature driver: Drivers older than 55 can complete a state-approved driver safety course and get a discount, so long as they are the primary driver on their policy.

Alcohol education awareness: Complete a state-approved alcohol educational awareness program and Aspire will hand over a discount.

There may be a discount for anti-theft devices, too.

Discounts can change at any time: To stay up-to-date with the most current and comprehensive information regarding Aspire Advantage's discounts, check with an Aspire insurance broker near you.

Aspire coverage options

Aspire offers two different insurance coverage packages: Savings and Advantage.

Aspire offers the

most common types of insurance

that meet the minimum coverage requirements in California, Michigan, and Arizona. Be aware that Aspire does not allow policyholders to increase bodily injury coverage beyond that state minimum.

Here are some of the core coverages offered by Aspire:

Liability insurance

: Drivers can buy

bodily injury liability

and

property damage liability coverage

as required by their state to cover claims for other parties in at-fault car accidents.

Uninsured/underinsured motorist coverage:

If the other driver's insurance can't pay enough to help you after a car crash, UM/UIM steps in to help with paying for your medical bills and fixing your car.

Comprehensive coverage:

If your car gets stolen or damaged by things like fire, bad weather, or people, comprehensive coverage kicks in after you’ve paid the deductible.

Collision coverage:

Collision insurance helps pay to fix your car when it's been damaged in a crash, such as a multi-car accident, a guardrail scrape, or a rollover.

Personal injury protection (PIP):

This is required in no-fault states. It helps pay for things like doctor bills, lost income, and other costs related to your health and the health of the people in your car if you're in a car accident.

Aspire offers more options for drivers who prefer extra coverage or have special circumstances:

Named non-owner coverage

endorsement: For individuals who do not own a vehicle, this option offers liability coverage for instances when you have to drive.

Stereo/sound system insurance

: This is an optional, extra coverage that applies to permanently installed OEM sound systems.

Utility trailer insurance: If your vehicle is insured with Aspire, you can buy liability coverage for your trailer, too.

Rental reimbursement

: If your car is undrivable following a covered accident, you may need a rental car to get around. Aspire General will cover either $20 or $30 a day for up to 20 or 30 days.

Towing and labor

: This costs an extra $5 per month. You’ll get reimbursed $50 per disablement, up to $200 max per year.

Aspire’s additional tools and services

Aspire Advantage does not offer any special usage-based programs or accident forgiveness benefits.

It does offer online and mobile app policy management, bilingual service, flexible payment plans, and a discount for participating in an approved alcohol awareness education course.

You can pay your Aspire General car insurance premium with a credit card but there will be an additional service charge.

FAQs

How do I file a claim with Aspire?

You can contact Aspire General insurance services 24/7 to file a claim. You can either call (855) 231-1727, email claims@agicins.com, or use the claims form on Aspire General’s website.

What is Aspire Advantage’s AM Best score?

Aspire Advantage earned a B+ rating from AM Best. This is a credit rating that assesses the company’s financial stability and ability to pay back claims. A++ is the highest possible ranking and B+ is the lowest rating outside of the “vulnerable” range.

Does Aspire Advantage have good reviews?

Aspire’s policyholders are generally satisfied with the cost and customer service. Flexible payments and online claims reporting are available but claims handling is one of the company’s main weaknesses.

Does Aspire Advantage auto insurance go up after 6 months?

Like all car insurance companies, Aspire Advantage sometimes raises car insurance rates at renewal. If you have a 6-month policy with Aspire Advantage, your rates could go up at your renewal date. In this case, you might want to request auto insurance quotes from multiple providers.

Read all Aspire Advantage Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.