Aspire Insurance: The Right Choice for Auto Insurance

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • 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:

[

CompanyAnnual Rates with Low CoverageAnnual Rates with Medium CoverageAnnual Rates with High Coverage
USAA$2,445.50$2,746.50$2,892.32
Geico$2,612.92$2,918.45$3,127.30
Progressive$2,555.04$2,936.65$3,061.73
Liberty Mutual$2,824.01$3,061.95$3,219.54
State Farm$3793.44$4,273.41$4,541.30
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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 Discounts by Company
Auto Insurance Discounts21st CenturyAAAAllstateAmerican FamilyAmeripriseAmicaCountry FinancialEsuranceFarmersGeicoLiberty MutualMetLifeNationwideProgressiveSafe AutoSafecoState FarmThe GeneralThe HanoverThe HartfordTravelersUSAASources:
Adaptive Cruise Controlxxxxhttps://www.21st.com/car-insurance-by-state.htm
Adaptive Headlightsxxxxxxxxhttps://autoclubsouth.aaa.com/Insurance/Auto_Insurance_Quote.aspx
Anti-lock Brakesxxxxxxxxxxxxxxxxxxxxxxhttps://www.allstate.com/auto-insurance/auto-insurance-discounts.aspx
Anti-Theftxxxxxxxxxxxxxxxxxxxxxxhttps://www.amfam.com/resources/discounts
Claim Freexxxxxxxxxxxxxxxxxxxxxxhttps://www.ameriprise.com/auto-home-insurance/Costco/insurance-choices/auto/auto-insurance-discounts.asp
Continuous Coveragexxxxxxxxxxxxxxxhttps://www.amica.com/en/products/auto-insurance/discounts.html
Daytime Running Lightsxxxxxxxxxxxxxxxxxxhttps://www.countryfinancial.com/en/insurance/auto-recreational/auto.html
Defensive Driverxxxxxxxxxxxxxxxxxxxxxxhttps://www.esurance.com/insurance/car/discounts
Distant Studentxxxxxxxxxxxxxxxhttps://www.farmers.com/faq/discounts/#autodefinitions
Driver's Edxxxxxxxxxxxxxxxxxxxxhttps://www.geico.com/save/discounts/car-insurance-discounts/
Driving Device/Appxxxxxxxxxxxxxxhttps://www.libertymutual.com/auto/affordable-car-insurance
Early Signingxxxxxxxxxxxxxxhttps://www.metlife.com/insurance/auto-insurance/car-insurance/
Electronic Stability Controlxxxxxxxxxhttps://www.nationwide.com/car-insurance-discounts.jsp
Emergency Deploymentxhttps://www.progressive.com/auto/car-insurance-discounts/
Engaged Couplexhttps://www.safeauto.com/about/faqs
Family Legacyxxxxxxhttps://www.safeauto.com/car-insurance/car-insurance-for-teens
Family Planxxxxxhttps://www.safeco.com/auto-insurance/discounts
Farm Vehiclexxxxhttps://www.statefarm.com/insurance/auto/discounts
Fast 5xhttps://www.thegeneral.com/car-insurance/basics/cheap-flexible/
Federal Employeexxxxhttps://www.hanover.com/connections-smart-savings.html
Forward Collision Warningxxxxxxxhttps://www.thehartford.com/aarp/car-insurance
Full Paymentxxxxxxxxxxxxxxxxxhttps://www.travelers.com/personal-insurance/auto-insurance/discounts-advantages.aspx
Further Educationxxxxxxxxxhttps://www.usaa.com/inet/wc/advice-auto-lowerautoinsurance
Garaging/Storingxxxxxxhttps://www.usaa.com/inet/wc/faq_Automatic_License_index
Good Creditxxxxhttps://www.usaa.com/inet/wc/auto_insurance_teen_driver_main
Good Studentxxxxxxxxxxxxxxxxxxxxxxhttps://www.usaa.com/inet/pages/auto_event_insurance?akredirect=true
Green Vehiclexxxxxxxhttps://www.usaa.com/inet/pages/auto_insurance_driving_research_discount_main
Homeownerxxxxxxxxxxxxxxxxxxhttps://www.bankrate.com/finance/insurance/car-insurance-discounts.aspx
Lane Departure Warningxxxxhttps://www.naic.org/documents/web_market_share_160301_2015_property_lob.pdf
Life Insurancexx
Low MileagexxxxxxxxxxxxxxxxxxxDisclaimers
Loyaltyxxxxxxxxxxxx*Discounts and their availability vary by state and eligibility requirements
Marriedxxxxxxxxxxxxxx*Safety Features are not always listed as "discounts" but almost always help lower the rate
Membership/Groupxxxxxxxxxxx
Militaryxxxxxxxxxxx
Military Garagingx
Multiple Driversxx
Multiple Policiesxxxxxxxxxxxxxxxxxxxxx
Multiple Vehiclesxxxxxxxxxxxxxxxxxxxxx
New Addressx
New Customer/New Planxxx
New Graduatex
Newer Vehiclexxxxxxxxxxxxxxxx
Newly Licensedx
Newlywedsx
Non-Smoker/Non-Drinkerx
Occasional Operatorx
Occupationxxxxxxxxxxxx
On Time Paymentsxxxx
Online Shopperxx
Paperless Documentsxxxxxxxx
Paperless/Auto Billingxxxxxxxxxxxxxxxxx
Passive Restraintxxxxxxxxxxxxxxxxxxxxxx
Recent Retireesxx
Renterxxx
Roadside Assistancexx
Safe Driverxxxxxxxxxxxxxxxxxxx
Seat Belt Usex
Senior Driverxxxxxxxxx
Stable Residencexxxx
Students & Alumnixxxxxx
Switching Providerxxxxxxxxxxx
Utility Vehiclexxxx
Vehicle Recoveryxxxxxxxxxxxxxxxxxxxxx
VIN Etchingxxxxxxxxxx
Volunteerx
Young Driverxxxxxx
Discounts Provided #21212927182726343432383835362230202022382828
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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.

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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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