Aspire Car Insurance Review & Ratings (2023)

Aspire Insurance provides auto coverage to high-risk drivers. Affordable Aspire car insurance is available, but coverage options are limited. However, you can add additional coverage to your policy for a fee. The company also provides multiple discounts to lower your rates. Learning more about Aspire Insurance will help you determine if it’s the right choice for you.

UPDATED: Jun 28, 2022Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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Company Details
Address: 2721 Citrus Rd Ste B
City: Rancho Cordova
State: California
ZIP Code: 95742
Phone Number: 877-789-4742
Year Founded: 1980
AM Best Rating: B+
Company Rating 0 (0 reviews)

The Rundown

  • Aspire Insurance provides auto coverage for high-risk drivers
  • Aspire Insurance offers limited coverage options
  • Aspire Insurance has been rated a B+ by A.M. Best

Aspire Insurance provides car insurance to high-risk drivers. Coverages are limited, but you can add optional coverages for a fee. You can also combine multiple discounts to make your rates more affordable.

Discovering more about Aspire Insurance will help you determine if it’s the right fit for you.

Before jumping into this Aspire Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

Does Aspire Insurance have affordable rates?

High-risk drivers are riskier to insure. These drivers experience the highest car insurance rates in most cases, making coverage harder to afford.

For these drivers, the cost of coverage is usually the most critical factor. Fortunately, you can find affordable Aspire car insurance rates because the company focuses on these drivers. The following chart shows the annual Aspire car insurance rates by age.

Aspire Insurance Annual Auto Coverage Rates by Age

Driver AgeAspire Insurance Annual Rates
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As you can see, the average car insurance rates by Aspire decrease as drivers age. However, the rates in each age group are lower than many of the best insurance companies.

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What coverages are offered by Aspire Insurance?

As previously mentioned, Aspire Insurance primarily provides coverage for high-risk drivers that can’t afford coverage from other companies. Therefore, the standard coverage options are limited to create a more affordable policy.

The company currently offers two coverage tiers. The Savings tier is cheaper but offers less coverage. Meanwhile, the Advantage tier provides higher levels of coverage and more endorsement options. This tier also has higher rates.

Both tiers provided by Aspire have standard coverages and optional add-ons. The following are the common coverages offered by Aspire Insurance.

  • Bodily liability: Pays for medical bills if someone else suffers an injury in an accident caused by you.
  • Property damage liability: Covers the cost of any property damage you’ve caused in an accident.
  • Collision: Covers damage to your car after an accident.
  • Comprehensive: Covers damage to your vehicle when you’re not driving.

Customers can add the following optional coverages to a policy for an additional fee.

  • Uninsured/underinsured motorist: Covers the costs if you’re in an accident caused by a driver will little or no car insurance
  • SR-22: Alerts the state that the driver in question has the requisite amount of insurance as required by law.
  • Collision deductible waiver: Waives accident deductible for an uninsured driver.
  • Permissive use endorsement: Allows a family member or friend unlisted on the policy to drive the covered car.
  • Named non-owner coverage add-on: Liability coverage for non-car owners.

Aspire also offers roadside assistance for an additional $5 per month. Customers that choose to add this service will have access to roadside help that includes:

  • Towing
  • Battery service
  • Flat tire repair

Adding any add-ons or roadside assistance will increase your Aspire car insurance quotes.

Which vehicles does Aspire Insurance not cover?

Aspire insurance covers most high-risk drivers, regardless of their driving history or credit rating. However, the company wants customers to limit their claim risk as much as possible. To achieve this, the company won’t cover certain vehicles.

The following are cars that Aspire will refuse to cover.

  • New vehicles worth more than $50,000
  • Cars not stored in garages
  • Vehicles without an etched VIN of an approved anti-theft device

In most cases, high-risk drivers won’t have cars worth over $50,000, and most legal vehicles today have an etched VIN. So the only thing that most drivers will need to worry about is storing their car in a garage.

What discounts are offered by Aspire Insurance?

The best way to save on car insurance is to compare quotes and combine multiple discounts. Most insurance companies provide various discounts that can help you lower your rates. These discounts depend on your driving habits, vehicle, and lifestyle.

Aspire insurance provides several discounts that customers can use to lower their rates. The following table shows the Aspire car insurance company discounts.

Aspire Insurance Auto Discounts

Car DiscountDiscount Eligibility
Alcohol education awarenessComplete a state-approved alcohol awareness program.
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theft deviceCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Daytime running lightsCars include daytime running lights that turn on when the engine is running.
Defensive driverCompleted approved defensive driving course.
Good driverMaintain a clean driving record for the past three years.
Mature driverDrivers who are 55 years old or older and have completed an approved driver safety course.
Multi-driverInsure additional family members living in the same household.
Multi-vehicleInsure more than one car on a single auto insurance policy.
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When inquiring about car insurance rates, ask about available discounts that fit you.

How is Aspire Insurance rated?

Credit rating agencies review and rate auto insurance companies based on financial strength. These ratings determine the company’s likelihood to provide a payout when you file a claim.

Aspire Insurance has been rated a B+ by A.M. Best. This rating is considered good and indicates that the company will usually provide a payout. However, the rating is lower on the company’s scale.

The Better Business Bureau (BBB) rates insurance companies on business practices and complaints. The BBB has rated Aspire Insurance a B+.

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Does Aspire Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) allow insurance customers to make complaints on their websites. Both organizations have completed Aspire Insurance reviews.

At the time of this review, the BBB has received nine complaints about Aspire Insurance over the past three years. These complaints have been about billing and services from the company.

According to the NAIC, Aspire Insurance has a 4.45 complaint index ratio. This number indicates that the company has far more complaints than a competitor of a similar size.

How can you make Aspire Insurance payments?

Aspire Insurance provides multiple ways to make payments. You can complete an Aspire Insurance payment with the following methods:

  • Automatic online payment
  • Credit card
  • Electronic check
  • Online payment

When you buy Aspire car insurance, asking for more information on these payment options will help you make the best choice. To find these answers, you can call the Aspire Insurance customer service number at 1-877-789-4742.

Aspire Insurance: The Bottom Line

Aspire provides affordable auto insurance for high-risk drivers. Standard coverages are limited, but you can add optional insurance for an added fee. Additionally, you can combine various discounts to create further savings.

Learning about Aspire Insurance will help you decide if it’s the right car insurance company for you.

Now that you know about Aspire Insurance, enter your ZIP code to find free auto insurance rates in your area.

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