What states does Aspire General cover?

Aspire General writes auto insurance in California and Arizona only. It is not available in any other state.

What does a B++ AM Best rating mean?

B++ falls in AM Best's Good category — a step below the A (Excellent) range but above the B and lower tiers common among small non-standard carriers. It indicates a good ability to meet ongoing obligations. Aspire was upgraded to this level in 2024.

Why does Aspire have a high complaint index?

Its NAIC complaint index has been measured around 6.07 against an industry average of 1.00, meaning roughly six times the complaint volume its market share would predict. Independent reviews attribute much of this to claims processing delays. Factor it in when weighing a lower premium.

How do I get connected with an Aspire agent?

Enter your ZIP above and we'll connect you with licensed agents in your area. In the non-standard market, prices between carriers can differ by hundreds of dollars for the same driver, so comparing several quotes matters more than usual.

How does Aspire compare to Bristol West and Dairyland?

Bristol West and Dairyland both hold A+ AM Best ratings, well above Aspire's B++, and operate in far more states. Aspire's case is narrower: competitive pricing for high-risk drivers specifically in California and Arizona. Given the complaint data, most drivers should quote the A-rated options alongside it.

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Editorial research & comparison

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Aspire General Insurance

Is Aspire General Insurance Worth It? An Independent Review (2026)

By ReliablePolicy Editorial Team

Aspire General is a California and Arizona non-standard carrier built for drivers the standard market declines. AM Best upgraded it to B++ (Good) in 2024, which is respectable for its segment — but its NAIC complaint index has run above 6, roughly six times the industry average, alongside documented claims delays. Here's the honest assessment for 2026.

Avg. annual premium

Varies widely

Non-standard pricing

AM Best rating

B++

Good — upgraded 2024

NAIC complaint index

~6.07

Roughly 6x industry average

Availability

2 states

California and Arizona only

Founded

2013

Rancho Cucamonga, CA

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Aspire General Insurance overview

Founded in 2013 and headquartered in Rancho Cucamonga, California, Aspire General writes non-standard auto insurance in California and Arizona only. AM Best upgraded its financial strength rating to B++ (Good) in 2024, citing improved underwriting and operating performance over a five-year period driven by terminating poorly performing agencies and implementing rate increases. That places it above much of the non-standard segment on financial strength. Against that, its NAIC complaint index has been measured around 6.07, and independent reviews document a pattern of claims delays.

Aspire General Insurance estimated rates by driver profile (2026)

Independent market estimates for drivers researching Aspire General Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Driver profile	Est. annual premium	vs. market avg.	Notes
Clean record, 30-45	Near market avg.	Standard tier	Not its target segment
Single accident (3 yrs)	Above market avg.	Non-standard tier	Accepts recent incidents
DUI on record	Well above avg.	Non-standard tier	SR-22 filing available
Young driver (18-24)	Above market avg.	Varies	Two coverage tiers offered
Senior driver (65+)	Near market avg.	Standard tier	Clean records price best
Lapsed coverage	Above market avg.	Non-standard tier	No prior insurance needed

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Aspire General Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Aspire General Insurance pros and cons

Where Aspire General Insurance excels

✓B++ (Good) AM Best rating — above much of the non-standard segment
✓Rating upgraded in 2024 on improved underwriting performance
✓Competitive pricing for high-risk California and Arizona drivers
✓SR-22 filing capability for license reinstatement
✓Two coverage tiers allow some flexibility on price versus protection

Where Aspire General Insurance falls short

✗NAIC complaint index around 6.07 — roughly six times the industry average
✗Documented pattern of claims delays in independent reviews
✗Available in California and Arizona only
✗B++ is still below the A-range ratings of larger carriers
✗Minimal coverage extras and limited digital self-service

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A closer look at Aspire General Insurance

Aspire's 2024 upgrade is a real signal — AM Best does not raise ratings without sustained improvement, and B++ puts it ahead of several competitors in the non-standard space. But financial strength and service quality are different things, and the complaint index is the number that should give a shopper pause: at roughly six times average, it indicates regulators hear about this carrier far more often than its size would predict. For a California or Arizona driver with no standard-market option, quote it, but quote it against alternatives rather than accepting the first price.

Bottom line

Improving financial strength and competitive high-risk pricing in two states, undercut by a complaint record well above the industry norm. Worth including in a comparison, not worth defaulting to.

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Frequently asked questions about Aspire General Insurance

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Aspire General Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.

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