- 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?
The average cost for car insurance coverage through Aspire General is $134 per month among Jerry drivers, about 27% less than the national average.According to our analysis of 289,862 real Aspire General customers who bought through Jerry, this is one of the most competitively priced options available for high-risk drivers. 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.
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.
Minimum
$64 – $120/mo
Meets state minimum liability requirements to keep costs low, but doesn’t cover damage to your own car.
Full
$135 – $260/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
Jerry pulls up to 20 quotes from top rated carriers.
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 with a cap up to $1,000 or $2,000.
- 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
Aspire’s discount menu is slim but covers the most practical savings opportunities for its customer base. Availability varies by state and policy tier.
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Good driver. Clean driving record for at least three years plus continuous prior insurance coverage.
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Multi-car. Insure more than one vehicle on the same policy.
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Mature driver. Age 55 or older and completion of a state-approved driver safety course. Certificate must be renewed every three years.
🍺
Alcohol education awareness. Completion of a state-approved program with no more than one alcohol or drug-related violation on record. Available on the Savings tier.
🔒
Anti-theft device. Vehicle equipped with a qualifying anti-theft system.
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Safe car. Vehicle equipped with anti-lock brakes.
Does Aspire General offer insurance based on driving behavior?
No. Aspire General does not currently offer a telematics or usage-based insurance program. Drivers looking for a program that monitors driving habits and adjusts rates accordingly should look at carriers like Root, Progressive (Snapshot), State Farm (Drive Safe & Save) or National General (DynamicDrive).
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Filing a claim with Aspire General
Aspire handles claims by phone through a dedicated claims line. Given the high NAIC complaint volume, approach the process of filing a claim with documentation ready from the start.
File by phone
Claims are filed by calling Aspire’s claims line at 916-306-1831. There is no 24/7 claims reporting, so confirm current hours before you need them.
Work with a claims representative
After filing, Aspire assigns a representative to manage the claim. Given the high NAIC complaint volume and consistent customer reports of adjuster unavailability and multi-month delays, document every interaction from the moment you file: dates, names and what was discussed. Follow up in writing if you don’t receive a response within the timeframe you’re given.
Repair and rental
If you have rental reimbursement on your Advantage policy, Aspire will reimburse $20 to $30 per day for up to 20 to 30 days while your car is being repaired.
Settlement or payout
For total losses, Aspire settles based on actual cash value (ACV).
Customer reviews of Aspire General
Jerry customers tend to rate Aspire General more favorably than the industry complaint data reflects — a pattern that’s common in the non-standard market where pricing and access matter most to policyholders at the point of sale.
Is Aspire General a good insurance company?
Aspire General offers a genuine value proposition for high-risk drivers in Arizona and California: competitive rates, SR-22 filing capability, two-tier coverage flexibility and a B++ AM Best rating that is stronger than many non-standard peers. Jerry customers rate it a solid 3.4 out of 5.
The NAIC complaint volume of 6+ has been essentially flat for three years. Drivers who file claims should expect the process to require more active management than with established carriers. Compare Aspire with other non-standard options through Jerry before deciding.
See coverage options for your car.
How to contact Aspire General
To manage an existing policy or file a claim, contact Aspire General directly.
- Customer service: 916-503-6313
- Claims: 916-306-1831
- Website: aspiregeneral.com
Related guides
FAQ
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What are the pros and cons of Aspire General car insurance?
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Does Aspire General file SR-22s?
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What states does Aspire General operate in?
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What are the two Aspire policy tiers?
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How do I file a claim with Aspire General?
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.
