Aspire General Car Insurance Review 2025

3.4

Jerry’s Score

Our take

Aspire General offers no-frills car insurance to “high-risk” drivers in Arizona, California and Michigan. The insurer offers some conveniences, like 24/7 claims reporting, but may lack discounts and coverage add-ons available with some competitors.

Pros

• 24/7 claims reporting.
• Spanish-speaking customer service representatives.

Cons

• Available in three states.
• High number of consumer complaints.
• No online quotes.

Aspire General car insurance review

Jerry rates Aspire 3.4 stars out of 5. 

Aspire General offers car insurance to “high-risk” drivers, or those who may have a history of claims, violations or DUIs on their records. The company is licensed in Arizona and California, according to the National Association of Insurance Commissioners (NAIC). Coverage may be affordable, but the insurer may lack policy customizations that many other insurers provide.

On its website, Aspire advertises a no-frills insurance product that’s focused on convenience, approval and affordability.

Despite Aspire’s high rating from Jerry customers, it receives low marks from consumers on other platforms. Aspire General has a very high number of complaints with the NAIC and one of the lowest Clearsurance scores of those that Jerry reviews at 1.5 stars out of 5. These scores come from real policyholders, so they can help set expectations when you’re considering a new provider.

Who is Aspire best for?

Aspire may be a good option for those with spotty driving histories or who struggle to find affordable coverage elsewhere. Because the insurer serves “high-risk” drivers, it may file SR-22 documents on a driver’s behalf in one or more states where it operates.

Drivers with clean records and good credit seeking customizable coverage may find better choices elsewhere.

How much does Aspire car insurance cost?

Aspire’s rates are some of the most affordable among insurers that offer policies through Jerry, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy and the amount of coverage you require.

Aspire car insurance rates

Here’s a look at Aspire’s car insurance rates quoted for real Jerry customers.

Aspire car insurance coverage options

Most insurers offer collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Common coverages

  Coverage	Definition
  Collision insurance	An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive insurance	An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Bodily injury liability (BI)	Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states.
  Property damage liability (PD)	Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states.
  Personal injury protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical payments	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states.
  Uninsured/underinsured motorist coverage (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.

Industry ratings of Aspire car insurance

Aspire is not rated in JD Power’s 2024 Auto Claims Satisfaction or Insurance Shopping studies. It also wasn’t given a score in the CRASH Network’s 2024 Insurer Report Card.

However, the NAIC collects consumer complaints for the insurer, and AM Best gave it a financial strength rating in 2024. In both cases, the insurer has plenty of room for improvement.

• NAIC

  Aspire has had a high complaint index on its private passenger policies with the National Association of Insurance Commissioners (NAIC) from 2021 to 2023, which means it has more complaints than would be expected for a company of its size.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.

• AM Best

  AM Best gives Aspire a financial strength rating of B++, meaning it has a good ability to pay out claims. The highest score an insurer can receive is A++, and many insurers achieve an A or better.

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Aspire auto insurance customer reviews

Over a hundred of Jerry customers have used and reviewed Aspire’s auto insurance and have given the company a relatively good overall score.

Jerry customer reviews

4.5

136 Reviews

5 Stars

70%

4 Stars

16%

3 Stars

9%

2 Stars

2%

1 Star

3%

How to contact Aspire

Drivers can get an Aspire quote from a broker in their state. The insurer does not offer quotes online.

Consumers can reach Aspire via live chat, email or phone. Here are the insurer’s phone numbers:

Customer service: 916-503-6313.

Claims: 916-306-1831.

Methodology

We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.

MEET OUR EXPERTS

Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.