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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Aspire offers cheap car insurance to drivers who usually pay higher rates. If you live in California, Arizona, or Michigan and have a less-than-perfect driving record, you’ll find that Aspire General Insurance isn’t like other companies. It’s a non-standard insurance company that works with you even if you have accidents, tickets, or a DUI on your record.
Aspire’s coverage options and discount programs are basic, and you’ll need to handle most things by phone since its online tools are limited. But if you’re comparing auto insurance and finding reasonable rates is your top priority, Aspire might offer the fresh start you need.
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Our five-point rating system simplifies car insurance shopping by showing you how the best auto insurers measure up in key areas. We rated Aspire’s performance on things that matter most, from costs and customer support to availability and reputation. Each category gets a score between one and five for easy comparison.
Here’s how Aspire stacks up in each category.
Category  | Score |
|---|---|
| Cost | 4.0/5 |
| Customer satisfaction | 1.0/5 |
| Ease of use | 2.4/5 |
| Availability | 1.7/5 |
| Industry reputation | 3.0/5 |
| Overall Score* | 2.73/5 |
High-risk drivers pay lower premiums with Aspire than with many other insurers. The company specializes in working with people who need a fresh start, and it even handles SR-22 paperwork quickly to get you driving again.
Aspire has a small footprint, offering policies only in Arizona, California, and Michigan, while many competitors cover a wider territory. Customer complaints are also more common than with the average company, suggesting you might face a frustrating experience after signing up.
Drivers have a lot to say about Aspire, and unfortunately, most of it isn’t good. The company has a Google rating of 3.20 stars from more than 1,500 reviews and just barely over one star from the Better Business Bureau (BBB).
Customers share frustrating experiences, and the biggest complaints are endless delays with claims and poor communication. Negative reviews say claims take months to resolve, with no updates from a claims adjuster.
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Months after their accident, the reviewer below still waited for answers. Another couldn’t get the supervisor to pick up the phone or call back.
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Even when other drivers cause accidents, customers say Aspire drags its feet. Several struggled to get rental car reimbursements approved, and their calls to management went unanswered. The pattern suggests you might face headaches if you need to file a claim.
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Every insurance company calculates rates differently, using common rating factors like your age, driving history, ZIP code, and chosen coverage. That’s why it’s so important to compare car insurance companies side by side before buying a policy.
Aspire looks at these same criteria but weighs them using a distinct formula. The company also offers flexible payment plans and low down payments, which makes it a great option for drivers on a tight budget.
To know where you might save on coverage, the table below shows how Aspire’s average quotes stack up against the national average for different types of drivers.
Driver/Coverage Characteristics | Aspire Average Monthly Rate | National Average Monthly Rate | Average Annual Savings* |
|---|---|---|---|
| All drivers | $75 | $135 | $720 |
| Liability coverage | $62 | $92 | $360 |
| Full coverage | $141 | $176 | $420 |
| Teens | $119 | $232 | $1,356 |
| Seniors | $61 | $99 | $456 |
| Recent speeding ticket | $83 | $171 | $1,056 |
| Recent at-fault accident | $82 | $181 | $1,188 |
Teen drivers can cash in on the biggest savings with an Aspire policy, paying $119 per month compared to the national average of $232, according to our research. Drivers with recent accidents or tickets also pay less than the national average, with monthly rates staying under $85.
Getting car insurance quotes from multiple insurers helps you find the best mix of coverage and cost. Take a look at how Aspire compares against three national insurers:
Company | Compare.com Rating | Average Monthly Rate |
|---|---|---|
| Aspire | 2.73/5 | $76 |
| GEICO | 4.65/5 | $88 |
| State Farm | 4.90/5 | $85 |
| Progressive | 4.73/5 | $119 |
You’ll find lower average car insurance prices with Aspire, but GEICO has a lot more coverage options and discount programs. If you’re eligible, the savings opportunities from GEICO could translate into cheaper premiums.You can also get GEICO coverage nationwide, including in Washington, D.C.
State Farm has a higher Compare.com Rating than Aspire, reflecting more reliable customer service and better coverage options. Although Aspire’s rates are lower, State Farm has local agents and a financial strength rating that might justify the extra cost.
Progressive has the largest average price tag of these four companies, but it backs it up with a wide range of coverage options. With Progressive, you can add optional coverages like loan-lease payoff, custom parts and equipment, and rideshare insurance. It also has a deductible savings bank to reduce the money you pay out of pocket if you need to file a claim.
Compare personalized quotes and get the policy that best fits your needs.
Discounts are a great way to pay less for auto insurance. With an Aspire policy, you get access to four discounts, including:
Good driver discount: This discount offers savings on your entire policy if your driving history has been clean for at least three years.
Multi-car discount: If you have more than one car at home, this discount lets you lower your costs when you insure them all with Aspire.
Mature driver discount: Drivers age 55 and older can save by completing an approved driver safety course.
Alcohol educational awareness discount: Taking a state-approved class about alcohol awareness gives you a discount on premiums, even if you have an alcohol-related violation on your driving record.
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Aspire sticks to basic coverage options — nothing fancy. But it’s all the protection you’d expect from a car insurance policy. Here’s a peek at the insurance products Aspire offers:
Bodily injury liability: Takes care of medical bills if you cause an accident and hurt someone.
Property damage liability: Handles repair costs if you damage someone else’s car, goods, or property.
Uninsured/underinsured motorist: Protects you if someone without insurance hits you. This coverage is optional in some states.
Comprehensive and collision: Repairs or replaces your car after accidents or other damage. You can’t buy one without the other with Aspire — you must buy both together.
Collision deductible waiver: Covers your deductible if an uninsured driver hits you.
Getting free quotes from Aspire isn’t as straightforward as it is with most insurers. You won’t find an online quote tool, and the website chat feature mainly serves existing customers. When I tried to get basic policy information, I kept hitting dead ends.
The only way to get a quote or buy a policy is through a standard phone call. While the Aspire representatives responded quickly (under two minutes) in the online text message chat, they wouldn’t answer questions about coverage options or insurance rates — they just gave me a phone number to contact the company’s sales office.
If you’re comparing multiple insurance companies, you’ll need to set aside time for a phone call since Aspire doesn’t share details about coverage options on its website, either.
One important note: Unlike many companies in the insurance industry, Aspire only sells private passenger auto liability insurance. Bundling your auto policy with homeowners or renters insurance to save money isn’t an option.
You can file a claim with Aspire by phone or through a claim form on the company’s website, but getting your claim resolved might test your patience, based on existing online reviews and customer testimonials.
Many drivers voice serious communication problems. For example, the Reddit user shown in the screenshot below allegedly waited three months without hearing from the Aspire claims representative about their totaled car. Others say Aspire repeatedly dodges calls about reaching an agreement for the damage their policyholders cause.
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Several drivers — like the Redditor below — who’ve been in accidents with Aspire customers mention they couldn’t get reimbursement for damages or a rental car, even after weeks of trying to reach someone at the company.
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| Founded | 1980 |
| Available in | Arizona, California, Michigan |
| Owned by | Private stock |
| National average premium | $75 per month |
| Mobile app | None |
| Customer service | 1 (916) 503-6313 |
| Claims | 1 (916) 306-1831 |
| Primary competitors |
If you’re still unsure about Aspire, check out these answers to commonly asked questions to decide if it’s right for you.
Yes, Aspire is a real insurance company based in Rancho Cucamonga, California. It’s been around since 1980 — initially as Majestic Insurance Company — but became Aspire General Insurance Company in 2016. Aspire has a B++ (Good) rating from AM Best for financial stability.
Aspire’s average rate of $75 per month falls on the cheaper end of the spectrum, according to our analysis. The company’s quotes are often cheaper than big-name insurers like GEICO, State Farm, and Progressive, even for teen drivers and people with a spotty driving history, according to Compare.com data.
Byron Storms is Aspire’s president, CEO, and chairman of the board. He became president and CEO in 2015 and added the chairman role in 2023.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:
Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.
Google Reviews, “Aspire General Insurance,” accessed October 28, 2024.
Better Business Bureau, “Aspire General Insurance,” accessed October 28, 2024.
AM Best, “State Farm Mutual Automobile Insurance Company,” accessed October 28, 2024.
Reddit, “r/Insurance,” accessed October 28, 2024.
Reddit, “r/Insurance,” accessed October 28, 2024.
California Department of Insurance, “Report of Examination of Aspire General Insurance Company,” accessed October 28, 2024.
AM Best, “Aspire General Insurance Company,” accessed October 28, 2024.
Insurance Journal, “Aspire General in California Names Chairman,” accessed October 28, 2024.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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