Aspire Auto Insurance Review (2022)
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Written by
Chris Huntley
Founder of Huntley Wealth & Insurance Services
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu…
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Reviewed by
Rachael Brennan
Licensed Insurance Agent
UPDATED: Mar 24, 2022
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Here’s the Scoop
Aspire General Insurance Company sells auto insurance policies in California and Michigan
Some sources suggest that Aspire insurance rates average $150 per month or $1,800 annually
This company specializes in covering high-risk drivers and offers SR-22 insurance forms and nonowner policies
Aspire General Insurance Company sells auto insurance to high-risk drivers in California and Michigan. Aspire insurance rates average $150 per month or $1,800 annually, according to some sources. The company website states that the Aspire group of companies manages the entire insurance process.
Policies are underwritten by Aspire General Insurance Company and sold through its affiliated general agent, Aspire General Insurance Services, LLC.
In this Aspire auto insurance review, learn how to request a quote, compare discount opportunities, and read about real customer and financial evaluations to help you determine if the Aspire General Insurance Company is right for you.
What is the Aspire General Insurance Company?
The Aspire General Insurance Company is a private passenger auto liability and physical damage carrier domiciled in California. Its affiliated general agency, Aspire General Insurance Services, LLC, sells the policies underwritten by the Aspire General Insurance Company. All claims are handled through Aspire Claims Services.
Currently, the Aspire insurance company sells car insurance in California and Michigan.
The company primarily offers basic auto insurance policies built to meet the minimum legal coverage requirements within the two states. It covers high-risk drivers with unfavorable driving records and offers SR-22 coverage. Aspire also underwrites nonowner policies.
Aspire provides drivers with the traditional types of car insurance coverage, including bodily injury liability and property damage liability insurance.
It also offers personal injury protection (PIP) insurance, at least in Michigan.
Comprehensive and collision insurance are available for those interested in full coverage auto insurance. However, the website does not provide details about available optional policy add-ons. So it’s unclear as to whether you can add benefits like roadside assistance or rental car replacement coverage to your Aspire policy.
The company claims to use the most advanced technology for its customer service and claims departments. However, there is no Aspire auto insurance mobile app.
Instead, the company provides a user portal on the company website in the Aspire Policy Center. There you can submit Aspire insurance payments and access policy information. Unfortunately, at this time, you cannot submit claims through the Aspire Policy Center.
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How do you request Aspire insurance quotes?
There is no quote tool on the Aspire company website. To request a quote, you must utilize the company’s network of state-wide car insurance agents. However, Aspire does not provide an agent locator tool for consumers.
Instead, a “Live Chat” feature is available on the company website. If the office is closed, it transitions to a virtual assistant and asks if you’re based in Michigan or California.
You may inquire about receiving a quote through the chat box even if the Aspire office is closed.
However, the virtual assistant gives you a number to call if you want to receive a quote. That office must be open for you to move forward with your quote application.
The Aspire insurance phone number for quotes is 1-800-893-9393.
If you use the “Live Chat” during operational business hours, you may request to connect with a person. They can help you through the rest of your quote application process, based on your location, and connect you to a local agent.
What are the average Aspire insurance rates?
The Average Aspire auto insurance rates are not made publicly available at this time. However, some sources suggest that basic policies from this company cost approximately $150 per month or $1,800 annually.
You may also consider comparing your Aspire car insurance quote to the average cost of coverage in the state where you reside.
The table below reveals the average annual auto insurance expenditures in the states where Aspire provides coverage, with data from the Insurance Information Institute (III).
Average Annual Auto Insurance Expenditures by State
StatesAverage Annual Auto Insurance Expenditures
California$1,051.79
Michigan$1,495.94
Countrywide average$1,070.47
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Overall, your auto insurance rates depend on various factors, like your age, ZIP code, driving record, and the type of vehicle you own. For example, if you have an unfavorable driving record or have recently filed multiple claims, you may be considered a higher risk driver to insure, leading to higher than average costs.
Each insurance company uses a unique formula to calculate your car insurance prices.
To secure your best possible rates, compare quotes online from multiple companies beyond Aspire. Select the policy that fits your budget without sacrificing your coverage levels.
How do you file Aspire insurance claims?
Customers may submit Aspire auto insurance claims directly on the company website. You can navigate to the “Claims” tab and complete the available form. A checklist of required information is provided to help expedite the process. A claims department phone number is also available.
Call 1-855-231-1727 to report an Aspire car insurance claim over the phone.
At this time, Aspire does not appear to allow customers to file claims through the Aspire Policy Center online user portal.
Unfortunately, some customers poorly rate the Aspire claims department. Dissatisfied customers mention slow or unresponsive claims adjusters. Some people also state that the Aspire customer service team did not appropriately answer their basic policy questions.
Keep these reviews in mind while considering Aspire General Insurance Company for coverage.
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Does Aspire General Insurance Company offer any discounts?
The Aspire General Insurance Company website does not mention auto insurance discounts. However, other sources suggest that this company does offer a handful of rate reductions to consumers.
Potential savings opportunities from Aspire include good driver, multi-car, mature driver, and alcohol education awareness discounts.
Typically, discount availability and savings amounts vary by state. So Aspire’s offerings in Michigan may look different than what is available to California drivers. Speak with your local Aspire agent for more personal details about what rate reductions you might earn from this company.
What are the Aspire insurance ratings and reviews?
To help you determine if Aspire is reliable and efficient before committing to a policy, let’s analyze this company’s financial evaluations and customer reviews.
Currently, Aspire has a B+ rating from A.M. Best. Plus, in a recent press release, the company’s financial strength outlook was revised from stable to positive at the end of 2021. This implies that the company has a fair ability to meet all of its financial obligations and promises to policyholders.
But what do real Aspire customers say about their experience with this company?
Aspire is not accredited by the Better Business Bureau (BBB), but it currently has an A+ rating, indicating that the BBB believes it interacts positively with its customers. However, out of 5 stars, it earned only 1.14 stars from an average of 21 customer reviews.
Aspire also has a high complaint index ratio, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, but Aspire has a ratio of 9.01.
Aspire received nine times more customer complaints than the median.
Most negative reviews for Aspire mention slow claims and difficulty contacting claims adjusters. Some people also state that questions about their policies were not appropriately answered by Aspire customer service or the affiliated agents.
Remember to keep these customer experiences in mind while comparing Aspire auto insurance policies to other top companies near you. Inexpensive rates are great, but you also want to work with a reliable, proficient company that follows through during stressful times, such as when filing a claim after a car accident.
What is the history of the Aspire General Insurance Company?
Headquartered in Rancho Cucamonga, California, Aspire General Insurance Company is a private passenger auto liability and physical damage carrier.
It underwrites the policies sold by the affiliated general agent, Aspire General Insurance Services, LLC. The company website states that Aspire has over 100 years of combined management experience, but details about the company history are limited.
We do know that the Aspire group of companies handles all facets of the insurance process, from the point of sale to the handling of claims.
Aspire prides itself on offering reliable customer service and claims investigations using the latest technology. The company created a unique call center to provide swift and reactive answers in real time for both the customer service and claims departments. It also offers bilingual support.
Aspire provides users with the state-of-the-art “Live Chat” feature on the company website.
Aspire promises to provide drivers with flexible payment plans, low down payments, and online and mobile policy servicing. However, there is no Aspire General Insurance Company mobile app at this time.
The current president of Aspire is Byron Storms.
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Aspire General Insurance Company: The Bottom Line
Aspire General Insurance Company may offer some high-risk drivers in California or Michigan competitive rates. The company provides nonowner policies as well as SR-22 insurance. Plus, it appears to provide some discount opportunities to drivers and specializes in basic coverage policies built to meet state minimum requirements.
This company is ideal for drivers who prefer working directly with an agent.
Access to the Aspire call center indicates that a company representative is almost always available to help answer your car insurance questions.
However, safer drivers may have better luck securing cheaper coverage with more robust protection from some of the other best car insurance companies.
The company is also very regionally limited. Despite priding itself on customer service and only servicing two states, the company website is somewhat sparse and does not provide users with detailed information about the company history, the auto insurance coverage options, or even discount availability.
Most drivers will find it easier to secure coverage from a more prominent company that offers more transparency online. Those companies may also provide additional customer benefits, like access to a mobile app and online quote tools.
