Aspire General Auto Insurance Review for 2025 (See Rates & Options Here!)

This Aspire General auto insurance review will cover everything you need to know about insuring your vehicle with Aspire. The best part is you can get insurance for as little as $100 monthly.

Aspire General Insurance Services, LLC operates as an established company recognized by the insurance industry to provide high-risk drivers with affordable non-standard car insurance coverage. The company also files SR-22 insurance for customers who need it.

Aspire General Auto Insurance Rating

Rating Criteria
Overall Score	2.4
Business Reviews	3.0
Claim Processing	2.0
Company Reputation	3.0
Coverage Availability	1.4
Coverage Value	2.4
Customer Satisfaction	1.6
Digital Experience	3.0
Discounts Available	2.0
Insurance Cost	3.0
Plan Personalization	3.0
Policy Options	1.6
Savings Potential	2.7

To find out if you can get cheaper high-risk auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.

A Breakdown of Aspire Auto Insurance for High-Risk Drivers

Aspire insurance rates are based on driving record history, customer age, and coverage selection. High-risk drivers who receive speeding tickets or DUIs pay higher insurance premiums, but most will find that Aspire insurance costs much less than standard insurers after multiple traffic violations.

Aspire General Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

Aspire’s insurance products distinguish it from competitors because it focuses on accommodating high-risk drivers who struggle to qualify for standard coverage.

The specialized manner in which Aspire operates enables the company to provide cheaper auto insurance for drivers who have committed violations or struggle with complicated safety records. It helps to examine Aspire’s position in comparison with leading auto insurance competitors as follows:

Aspire Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$133	$217
	$142	$225
	$92	$167
	$142	$225
	$100	$158
	$125	$217
	$133	$208
	$125	$208
	$117	$200
	$150	$233

Scroll down for a closer look at how Aspire compares to the top three most popular car insurance companies in the U.S.

Aspire General Insurance vs. State Farm Insurance

Aspire General Insurance Company targets high-risk drivers and delivers non-standard auto insurance coverage to people who fail to obtain traditional coverage because of their driving violations, DUIs, or poor driving histories.

State Farm serves a broad spectrum of drivers through its affordable policies, which extend protection for safe drivers with discount rates but charge more for high-risk drivers than an Aspire insurance policy. Read more in our full review of State Farm auto insurance.

Aspire General Insurance vs. Geico Insurance

Characteristics of the auto insurance market divide Aspire General Insurance from Geico because they operate toward different customer groups. This drives customers to Geico to receive affordable monthly premiums thanks to its reputation of competitive rates, diverse discounts, and coverage options.

Geico chooses not to provide insurance coverage to drivers who exhibit significant driving risk through several violations or DUI offenses. High-risk car owners can find insurance through Aspire General Insurance even if Geico denies them coverage.

Learn More: Geico Car Insurance Review

Aspire General Insurance vs. Progressive Insurance

Aspire General Insurance and Progressive operate in the high-risk driver market. The wide selection of discounts, including multi-policy and safe driver benefits from Progressive, enables them to provide affordable rates for particular policy seekers in their high-risk market.

Our complete Progressive review goes over this in more detail. Aspire General Insurance operates in the market, providing non-standard auto insurance to high-risk drivers yet giving fewer discount options than Progressive, which leads to potential premium price increases for certain customers.

Aspire General Coverage Options

Aspire General Insurance offers a range of coverage options tailored to different drivers, specializing in high-risk drivers. Aspire General provides coverage for drivers who may have trouble getting insured elsewhere. Coverage options include:

• Liability Coverage: Meets state minimum insurance requirements
• Full Coverage: Combines comprehensive and collision protection
• SR-22 Insurance: Provides proof of insurance for high-risk drivers
• Total Loss Gap Insurance: Covers the difference between a vehicle’s actual value and any remaining loan balance

These options give drivers the protection they need based on their situation. Aspire also has additional policy enhancements that you can add to your policy. These include:

• Roadside assistance services
• Rental reimbursement coverage
• Custom parts and equipment coverage

These extra options will help you when you are on the road. They are easy to add to your policy and can make a big difference if you face any problems. With these choices, you can feel safer and worry less while driving.

Discounts Offered by Aspire

Aspire General Insurance offers multiple premium reduction benefits, including multiple savings options. Insuring different vehicles under one policy allows drivers to obtain a 15% discount on premium costs.

The insurance company offers a maximum discount of 10% to drivers who have taken a defensive driving course. Apart from getting a discount on your auto insurance, there are so many other reasons why you should take a defensive driving class, like reducing your premiums by 5 to 10%.

Aspire General Auto Insurance Discounts by Savings Potential

Discount Name
Multi-Policy Discount	10%
Safe Driver Discount	15%
Good Student Discount	10%
Anti-Theft Discount	5%
Low Mileage Discount	7%
Pay-in-Full Discount	8%
Defensive Driving Discount	10%
Paperless Billing Discount	5%
Automatic Payment Discount	6%
Homeowner Discount	10%

Older drivers may also qualify for a discount, and completing an alcohol education course can earn you extra savings. These offers make it easier for you to manage your insurance costs.

Aspire General Business Review

Below is a table that shows some key ratings for Aspire. You can see its BBB rating, J.D. Power rating, AM Best rating, and more. These numbers help you understand how the company compares with others.

Aspire General Insurance Ratings

Agency	Aspire General
	Score: 810 / 1,000 Below Avg. Satisfaction
	Score: A- Good Business Practices
	Score: 65/100 Average Customer Satisfaction
	Score: 3.2 More Complaints Than Avg.
	Score: B++ Good Financial Strength

The numbers in the table give a clear picture of Aspire’s performance. They show what you can expect from the company.

What Customers Have to Say About Aspire General

The feedback in Aspire Insurance customer service reviews displays conflicting opinions. The policyholders express gratitude toward the company because Aspire Insurance accepts high-risk motorists, which other insurers reject after incidents like accidents, DUI, or DWI (Learn the difference between DUI and DWI).

The customer pointed out that Aspire General Insurance remained the sole provider willing to insure him following his accident. The insurance rates matched the conditions of his case.

Consumers have presented multiple complaints about the poor customer service that Aspire General Insurance delivers during claims processing. A reviewer faced difficulties finding the right representative to help with their claim.

Aspire General Auto Insurance For High-Risk Drivers

The high-risk driver market can use this Aspire General auto insurance review to find the best auto insurance companies for high-risk drivers when traditional companies reject them. Thanks to the liability, comprehensive, and collision insurance options offered, high-risk drivers can get cheap coverage through Aspire General Auto Insurance.

However, Aspire provides limited discounts, reducing its appeal for drivers who need extensive savings benefits. Its customer service is also lacking, as its responders operate more slowly than other insurance providers. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.