- AM Best B++ (Good) financial strength.
- Rates among the more affordable in the non-standard segment.
- SR-22 filing available.
- Two policy tiers (Savings and Advantage) offer some flexibility.
- Very high NAIC complaint volume.
- Only available in 2 states.
- Claims delays are a consistent pattern in customer reviews.
Aspire General car insurance: Jerry’s verdict
Founded in 2013 and based in Rancho Cucamonga, California, Aspire General is a younger non-standard carrier that has built its model around affordability and access. It distributes policies through a network of independent brokers in Arizona and California, serves high-risk drivers who have been declined elsewhere, and files SR-22 forms on behalf of policyholders who need them.
Aspire General’s AM Best B++ (Good) rating is a genuine positive relative to other carriers in the non-standard segment, placing Aspire above companies like Anchor General (with a B, Fair rating) and closer to the lower end of the A-rated tier. Its rates are also genuinely competitive; Aspire is among the more affordable options for high-risk drivers in its markets according to Jerry’s own pricing data.
This carrier’s NAIC complaint picture is the most significant concern. Aspire General’s complaint index has remained above 6.0 for three consecutive years: 6.28 in 2023, 6.24 in 2024 and 6.07 in 2025. This means that Aspire has received more than six times the expected number of complaints for a company of its size, each year for at least three years straight. Customer reviews also consistently call out claims delays and adjuster unavailability as their biggest issues.
For high-risk drivers in Arizona or California who want affordable rates and can tolerate a more involved claims experience, Aspire is worth comparing through Jerry alongside other options in the segment.
Who Aspire General is best and worst for
A high-risk driver in Arizona or California who prioritizes affordable rates. Aspire’s pricing is among the more competitive in the non-standard market and it covers drivers that standard carriers decline.
A driver who needs SR-22 filing. Aspire files SR-22 certificates in the states where it operates and handles the paperwork on behalf of policyholders.
A driver outside Arizona or California. Aspire operates in only two states.
A driver who needs a smooth claims experience. Claims delays and adjuster communication issues are among the most consistent complaints across customer review platforms. Drivers who anticipate needing to file a claim and want a reliable process should weigh this carefully.
A driver who wants to compare and buy online. Aspire does not offer online quotes. All quotes and policy purchases require going through an independent broker.
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Learn more: Full coverage vs. liability-only insurance
How much does Aspire General car insurance cost?
Aspire’s rates are among the most affordable in the non-standard segment. According to Jerry’s analysis of over 400,000 policies quoted to real customers, Aspire is one of the most competitively priced options available through Jerry for high-risk drivers. Your premium is determined by your age, location, vehicle type, driving record, other drivers on your policy and the coverage tier you choose.
Aspire offers two policy tiers:
Savings — Basic coverage designed for budget-conscious drivers. Includes state minimum liability, collision, comprehensive and SR-22 filing capability. Liability limits are capped at state minimums.
Advantage — Higher liability limits available, plus optional add-ons including rental reimbursement, towing and labor coverage and medical payments coverage.
The average cost for car insurance coverage through Assurance America is $132 per month among Jerry drivers, about 26% less than the national average.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 want.
Based on our analysis of 287,850 real Assurance America customers who bought through Jerry, here are the typical monthly premiums by driver coverage level:
Minimum
$63 – $120/mo
Meets state minimum liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$137 – $261/mo
Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Aspire General car insurance
Aspire’s AM Best rating is its strongest benchmark. The NAIC complaint volume, while essentially flat over three years, remains very high.
| Rating | Aspire General’s score |
| NAIC consumer complaint index (2025) | High (6.07). |
| CRASH Network report card (2026) | N/A. |
| JD Power auto insurance shopping study (2025) | N/A. |
| JD Power auto insurance claims study (2025) | N/A. |
| AM Best (2025) | B++ (Good). |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
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Aspire General car insurance coverage options
Aspire offers coverage through two policy tiers. Both support SR-22 filings.
Savings is the basic tier and includes standard coverage options like:
- Bodily injury liability. State minimum limits.
- Property damage liability. State minimum, with option to increase to $10,000.
- Collision. Covers damage from a collision regardless of fault.
- Comprehensive. Covers non-collision damage including theft and weather.
- Uninsured/underinsured motorist coverage. Optional in most states.
- Collision deductible waiver. Waives your deductible if an uninsured driver hits you.
- Named non-owner coverage. Liability coverage for drivers who don’t own a vehicle.
- SR-22 filing. Available on both tiers.
Advantage is the elevated tier, and adds coverages like:
- Higher liability limits, since bodily injury can exceed state minimums.
- Medical payments coverage of up to a $1,000 or $2,000 cap.
- Rental reimbursement for as much as $20 to $30 per day for up to 20 to 30 days.
- Towing and labor, up to $50 per incident.
The following coverages are available as add-ons to either tier:
- Roadside assistance. $5 per month per vehicle.
- Stereo/sound system coverage. Up to $500 for manufacturer-installed audio equipment.
- Utility trailer coverage. Coverage for a trailer you own or are using.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Aspire General car insurance discounts
Assurance America does not publish its full discount list on its website, but some known or commonly cited discounts include:
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Multi-vehicle. Insure more than one vehicle on the same policy
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Prior insurance. Proof of continuous coverage with a previous carrier
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Good student. Full-time student with qualifying grades
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Pay in full. Pay the full premium upfront
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Good driver. Clean driving record for a qualifying period
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MobileMax. Savings available through the AssuranceAmerica+ app
Does Assurance America offer insurance based on driving behavior?
Not in the traditional sense. The MobileMax program, accessible through the AssuranceAmerica+ app, offers savings tied to mobile engagement but is not a true, driving behavior telematics program. Drivers looking for a program that monitors driving habits and adjusts rates accordingly should look at carriers like Progressive (Snapshot), State Farm (Drive Safe & Save) or National General (DynamicDrive).
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Filing a claim with Assurance America
Assurance America makes filing a claim (and managing it once filed) simple.
File online or by phone
Claims can be reported any time through Assurance America’s online portal at fnolportal.assuranceamerica.com or by calling 1-888-580-8134. Customer service representatives are available Monday through Friday, 8 a.m. to 7 p.m. ET.
Work with a claims representative
After filing, a representative will contact you to gather information and guide you through the process. Given the insurer’s high NAIC complaint volume, consider documenting every interaction from the moment you file: dates, names and what was discussed.
Repair and rental
If you have rental reimbursement coverage, Assurance America will reimburse rental or transportation costs while your vehicle is being repaired after a covered claim.
Settlement or payout
For total losses, Assurance America settles based on actual cash value (ACV). There is no new car replacement coverage available.
Customer reviews of Assurance America
Over a thousand Jerry customers have reviewed Assurance America’s auto insurance, giving the company a positive overall score. On Trustpilot, Assurance America also holds a 4.7 out of 5 rating, with customers frequently citing fast service, competitive pricing and helpful agents.
This is notably strong for a non-standard carrier and stands in contrast to what its NAIC complaint data would suggest.
Is Assurance America a good insurance company?
Assurance America serves a real need for drivers in its 13-state footprint who can’t access standard market coverage. Its no-credit-score quoting process, SR-22 filing capability in select states, online claims portal, mobile app and strong Trustpilot scores make it more accessible and more positively received by customers than many non-standard peers.
Its gaps are big, though. This carrier has no AM Best rating, no JD Power score, no CRASH Network grade and a high NAIC complaint volume… which all point to an insurer where the claims experience is harder to predict than most. For drivers who have real options, there are better non-standard carriers, like The General and National General. For drivers in Assurance America’s 13-state footprint who have exhausted those options, it’s definitely worth getting a quote through Jerry and comparing prices.
See coverage options for your car.
How to contact Assurance America
Good catch. Here’s the revised contact section:
How to contact Assurance America
You can compare Assurance America against other carriers and get a quote through Jerry. To manage an existing policy, locate a local agent or report a claim, contact Assurance America directly.
- App: AssuranceAmerica+ (iOS and Android)
- Customer service: 1-800-450-7857 (Monday through Friday from 8 a.m. to 7 p.m. ET)
- Claims (24/7): fnolportal.assuranceamerica.com or 1-888-580-8134
Related guides
FAQ
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What are the pros and cons of Assurance America car insurance?
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Does Assurance America file SR-22s?
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Does Assurance America use credit scores?
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What states does Assurance America operate in?
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Does Assurance America have a mobile app?
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How do I file a claim with Assurance America?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
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.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
