Aspire Insurance Review & Complaints: Car Insurance (2024)
Aspire Insurance only provides California drivers with insurance. The average rate for insurance with Aspire Insurance is $828/year, but drivers won't be able to get much in the way of additional coverages. Aspire does offer a live chat, bilingual customer service representatives, and discounts to lower your rates. If you are a high-risk driver looking for insurance, Aspire Insurance may be a good fit for you.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Sep 20, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Aspire Insurance provides car insurance for high-risk drivers.
- Aspire Insurance only sells coverage to California drivers.
- Aspire Insurance offers bilingual services.
Trying to find car insurance can be difficult if you have a checkered driving history, but companies like Aspire can get you the coverage you need to get back out on the road. Aspire offers great tools for drivers, and Aspire Insurance customer service representatives are available to help drivers who do not speak English in their native language, too.
If you want to work with a company that can help you obtain an SR-22 and that provides bilingual assistance, Aspire might be the right fit for you. Keep reading to learn more about what this company has to offer and how you can save money on your insurance.
As you read this Aspire Insurance review, you can enter your ZIP code to start comparing free car insurance quotes today.
What is the Aspire Insurance Company?
For more than 100 years, Aspire Insurance has been providing car insurance coverage to California drivers. Aspire only sells its policies through independent agents; however, if you need assistance with your Aspire Insurance payment or any other aspect of your policy, the company offers bilingual services so every driver can be heard and respected.
If you live outside of California, you will not be able to purchase a policy through Aspire Insurance, but you can shop online to find an insurance company that provides the coverage you need in your area.
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Is Aspire Insurance a good insurance company?
While Aspire Insurance could be a very good choice for high-risk drivers who are having difficulty getting insurance elsewhere, it is important to note that Aspire only has a B+ strength rating from A.M. Best. Such a rating is not a death knell for the company’s financial strength, but it is advisable to work with insurance companies that have a financial strength rating of A or higher.
An insurance company’s financial stability is an important thing to consider when you begin shopping for car insurance because you need to be able to trust that the insurance company will have the funds it needs to pay out your insurance claims. With a B+, you shouldn’t have any trouble when it comes to payouts on Aspire Insurance claims.
It is also important to note that Aspire will write a policy for cars that have a new cost above $49,999. You must keep your car in a garage and have an etched VIN or anti-theft device in your car to get your application approved.
Aspire Insurance offers great tools that increase customer convenience. For example, Aspire Insurance drivers have access to flexible payment plans, make use of a live chat support system, and receive warnings of imminent policy cancellations.
What coverages does Aspire Insurance offer drivers?
The coverage provided by Aspire Insurance is not robust, but there are optional coverages that you can choose to buy. Here’s a comprehensive breakdown of what Aspire has to offer drivers:
- Minimum coverage
- Full coverage
- Non-owned insurance
- SR-22
- Savings package
- Advantage package
Minimum and full coverage are self-explanatory, but with non-owned insurance coverage, you can be an insured driver without owning your own car. This is great coverage if you borrow a car from your friends or frequently drive an older relative to doctor appointments, but be aware that non-owned insurance coverage will only provide liability coverage.
Another tool that Aspire makes available for purchase to drivers is SR-22 documentation.
If you want more protection, you may want to consider purchasing an Aspire Insurance Savings package. If you have a full coverage policy, you’ll be able to cover your car sound system for up to $500 and get liability insurance for utility trailers attached to your vehicle.
For an extra charge, you can purchase the Aspire Advantage package. With this deal, you gain access to towing and labor, rental car reimbursement, and roadside assistance.
How much does an Aspire Insurance policy cost?
The average annual rate for car insurance with Aspire is $828; however, please note that your insurance rates could be very different. This is because insurance companies send every applicant through the underwriting process, which takes the information you provided on your quote request form, like your car’s age, driver’s license number, and address, and uses it to calculate a unique rate.
If you have speeding tickets or other moving violations on your record, insurance companies may raise your rates. The amount of coverage that you want to purchase will also influence your rates. You can see how drastically rates can change between coverage levels below:
[California Coverage Level Rates by Company
| Company | Annual Rates with Low Coverage | Annual Rates with Medium Coverage | Annual Rates with High Coverage |
|---|---|---|---|
 | $2,445.50 | $2,746.50 | $2,892.32 |
 | $2,612.92 | $2,918.45 | $3,127.30 |
 | $2,555.04 | $2,936.65 | $3,061.73 |
 | $2,824.01 | $3,061.95 | $3,219.54 |
 | $3793.44 | $4,273.41 | $4,541.30 |
If you are worried that your insurance rates are too high, you can always shop online to find a less pricey policy. You can also use your Aspire Insurance login to review your policy and make sure you’re not missing out on any discounts.
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Does Aspire Insurance offer driver discounts?
You can save money on your Aspire car insurance if you qualify for any of its four offered discounts: the good driver discount, the multi-car discount, the mature driver discount, and the alcohol education awareness discount. While every discount can help to reduce your rates, other insurance companies offer far more discounts. Examine all the discounts offered by major insurance companies below:
Car Insurance Discount Savings Potential by Provider
| Discount Name |  |  |  | | |  | | |  | |
|---|---|---|---|---|---|---|---|---|---|---|
| Adaptive Cruise Control | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Adaptive Headlights | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Anti-lock Brakes | 10% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | NA | NA |
| Anti-Theft | 10% | 5% | NA | 23% | 20% | 25% | 5% | 15% | NA | NA |
| Claim Free | 35% | 5% | 5% | 26% | 5% | 10% | 5% | 15% | 23% | 12% |
| Continuous Coverage | NA | 5% | 5% | NA | 5% | 5% | 5% | 5% | 15% | 5% |
| Daytime Running Lights | 2% | NA | 5% | 3% | 5% | 5% | 5% | 5% | NA | NA |
| Defensive Driver | 10% | 10% | 5% | 5% | 10% | 5% | 10% | 5% | 10% | 3% |
| Distant Student | 35% | 5% | 5% | 5% | 5% | 10% | 5% | NA | 7% | NA |
| Driver's Ed | 10% | 5% | 5% | 5% | 10% | 5% | 10% | 15% | 8% | 3% |
| Driving Device/App | 20% | 40% | 5% | 5% | 30% | 40% | 20% | 50% | 30% | 5% |
| Early Signing | 10% | 5% | 5% | 5% | 5% | 8% | 5% | 5% | 10% | 12% |
| Electronic Stability Control | 2% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Emergency Deployment | 5% | 5% | 5% | 25% | 5% | 5% | NA | 5% | 5% | 5% |
| Engaged Couple | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Family Legacy | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 10% |
| Family Plan | 5% | 5% | 5% | 5% | 25% | 25% | 5% | 5% | 5% | 5% |
| Farm Vehicle | 10% | 5% | 5% | NA | 5% | 5% | NA | 5% | 5% | 5% |
| Fast 5 | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Federal Employee | 5% | 5% | NA | 12% | 10% | 5% | NA | 5% | 5% | 5% |
| Forward Collision Warning | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Full Payment | 10% | 5% | 5% | NA | $50 | 5% | 5% | 5% | 8% | 5% |
| Further Education | 5% | 5% | NA | NA | 10% | 15% | NA | 5% | NA | 5% |
| Garaging/Storing | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | NA | 90% |
| Good Credit | NA | 5% | 5% | 5% | NA | 5% | NA | 5% | 5% | 5% |
| Good Student | 20% | 5% | NA | 15% | 23% | 10% | 5% | 25% | 8% | 3% |
| Green Vehicle | 10% | 5% | 5% | 5% | 10% | 5% | 5% | 5% | 10% | 5% |
| Homeowner | 5% | 5% | 5% | NA | 5% | 5% | 5% | 3% | 5% | 5% |
| Lane Departure Warning | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% |
| Life Insurance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Low Mileage | NA | 5% | NA | 5% | NA | NA | 5% | 30% | NA | NA |
| Loyalty | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Married | 5% | 5% | 5% | 5% | NA | NA | 5% | NA | 5% | 5% |
| Membership/Group | 5% | 5% | 5% | NA | 10% | 7% | NA | 5% | NA | 5% |
| Military | NA | 5% | 5% | 15% | 4% | 5% | NA | NA | 5% | 5% |
| Military Garaging | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 15% |
| Multiple Drivers | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Multiple Policies | 10% | 29% | 5% | 10% | 20% | 10% | 12% | 17% | 13% | 5% |
| Multiple Vehicles | NA | 5% | 5% | 25% | 10% | 20% | 10% | 20% | 8% | NA |
| New Address | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Customer/New Plan | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% |
| New Graduate | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| New Vehicle | 30% | 5% | 5% | 15% | 5% | NA | 5% | 40% | 10% | 12% |
| Newly Licensed | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Newlyweds | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Non-Smoker/Non-Drinker | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Occasional Operator | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | NA |
| Occupation | NA | 5% | NA | NA | 10% | 15% | 5% | 5% | NA | 5% |
| On-Time Payments | 5% | 5% | NA | 5% | 5% | 5% | 5% | 5% | 15% | 5% |
| Online Shopper | 5% | 5% | 5% | 5% | 5% | 5% | 7% | 5% | 5% | 5% |
| Paperless Documents | 10% | 5% | NA | 5% | 5% | 5% | $50 | 5% | 5% | 5% |
| Paperless/Auto Billing | 5% | 5% | NA | 5% | 5% | $30 | 5% | $20 | 3% | 3% |
| Passive Restraint | 30% | 30% | NA | 40% | NA | 20% | 5% | 40% | NA | NA |
| Recent Retirees | 5% | 5% | 5% | 5% | 4% | 5% | 5% | 5% | 5% | 5% |
| Renter | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Roadside Assistance | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Safe Driver | 45% | 5% | NA | 15% | 5% | 35% | 31% | 15% | 23% | 12% |
| Seat Belt Use | 5% | 5% | 5% | 15% | 5% | 5% | NA | 5% | 5% | 5% |
| Senior Driver | 10% | 5% | NA | 5% | 5% | 5% | 5% | 5% | 5% | NA |
| Stable Residence | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% |
| Students & Alumni | 5% | 5% | 5% | NA | 10% | 7% | NA | 5% | 5% | 5% |
| Switching Provider | 5% | NA | 5% | 10% | 5% | 10% | 5% | NA | 5% | 5% |
| Utility Vehicle | 15% | 5% | 5% | NA | 5% | 5% | NA | 5% | 5% | 5% |
| Vehicle Recovery | 10% | 5% | 5% | 15% | 35% | 25% | 5% | 5% | NA | NA |
| VIN Etching | 5% | 5% | 5% | 5% | 5% | NA | 5% | 5% | NA | NA |
| Volunteer | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% | 5% |
| Young Driver | 5% | 5% | 5% | 5% | NA | 5% | 5% | 5% | 5% | $75 |
When you compare car insurance quotes, take your time to review everything a policy has to offer, from coverage to discounts. While a policy may be cheap, it may not be a good fit for you in the long run, and you may find that a slightly more expensive policy comes with far more options and coverages.
Read more:
- Ameriprise Insurance Review & Complaints: Auto, Home, Life & Health Insurance
- SafeAuto Insurance Review & Complaints: Car Insurance
Aspire Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Aspire Insurance offers multiple options for filing claims to make the process convenient for its policyholders. You can file a claim through their online portal, over the phone, or even using their mobile app. This flexibility allows you to choose the method that suits you best, whether you prefer the convenience of digital channels or prefer to speak with a representative.
Average Claim Processing Time
The average claim processing time with Aspire Insurance can vary depending on the nature and complexity of the claim. It’s essential to contact Aspire Insurance directly or refer to your policy documents for specific information regarding claim processing times. They aim to provide efficient service to ensure that you receive timely assistance when you need it.
Customer Feedback on Claim Resolutions and Payouts
Aspire Insurance strives to meet the needs of its policyholders when it comes to claim resolutions and payouts. To get a better understanding of their performance in this regard, it’s advisable to review customer feedback and testimonials.
This can help you gauge how satisfied customers are with the resolution and payout process, giving you valuable insights into the company’s claim handling.
Digital and Technological Features of Aspire
Mobile App Features and Functionality
Aspire Insurance offers a mobile app that provides policyholders with convenient access to their insurance accounts. The app likely includes features such as policy management, claims filing, payment processing, and access to important documents. Exploring the mobile app’s features and functionality can enhance your overall insurance experience.
Online Account Management Capabilities
Managing your insurance policies and accounts online is an essential aspect of the digital age. Aspire Insurance likely offers robust online account management capabilities, allowing you to view and update your policies, make payments, and access important information with ease. Exploring these capabilities can simplify your insurance interactions.
Digital Tools and Resources
In addition to mobile apps and online account management, Aspire Insurance may provide various digital tools and resources to assist policyholders. These tools could include calculators, educational resources, and guides to help you make informed insurance decisions. Exploring these digital resources can empower you to navigate your insurance needs effectively.
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Aspire Insurance: The Bottom Line
Aspire Insurance is a good company for high-risk drivers and those who do not speak English as their first language, but even if you do fit within that demographic, you should get quotes from at least five other companies before you decide. Other companies may offer more coverage options and better discounts.
You can also read Aspire Insurance reviews from current clients to better understand how the company responds to drivers’ needs on a day-to-day basis.
After reading this Aspire Insurance review, you can feel confident to start shopping for car insurance. Enter your ZIP code to get free insurance quotes from companies near you.
Frequently Asked Questions
What is Aspire Insurance?
Aspire Insurance is a provider of car insurance based in Texas, offering coverage to drivers in several states across the U.S.
What types of car insurance coverage does Aspire Insurance offer?
Aspire Insurance offers a range of car insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist coverage, personal injury protection, and roadside assistance.
How can I get a quote for car insurance from Aspire Insurance?
You can get a quote for car insurance from Aspire Insurance online or by calling their customer service line.
How does Aspire Insurance determine my car insurance premium?
Aspire Insurance uses a variety of factors to determine your car insurance premium, including your driving history, age, location, the make and model of your car, and your chosen level of coverage.
What discounts does Aspire Insurance offer for car insurance?
Aspire Insurance offers several discounts for car insurance, including safe driver discounts, multi-car discounts, and discounts for bundling multiple policies with Aspire Insurance.
What are some common complaints about Aspire Insurance?
Some common complaints about Aspire Insurance include difficulty contacting customer service, delays in processing claims, and rate increases without explanation.
How do I file a claim with Aspire Insurance?
You can file a claim with Aspire Insurance by calling their claims department or by submitting a claim online through their website.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.