Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Written by Chelsey Tucker
Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Aggressive sells state minimum insurance for high-risk drivers in Texas under its parent company, Bluefire
  • Coverage options are limited, but Aggressive does offer discounts and a few add-ons
  • While Aggressive and Bluefire are too small to have A.M. Best ratings, the Better Business Bureau gives it a B

Ideally, everyone would have a clean driving record and there’d be no accidents or issues on the road. Of course, that’s not the world we live in — mistakes happen every day, and tempers can subdue even the calmest drivers.

Auto insurance prices can be outrageously expensive for drivers with records that reflect multiple infractions, DUI convictions, or other traffic violations. Some companies won’t work with a driver that they consider too risky. In cases like this, you’ll likely need to find high-risk car insurance.

That’s where companies like Aggressive Insurance prove useful. High-risk insurance companies provide the coverage you need to drive legally. They often lack the variety that standard insurance plans offer, but you can still find full coverage.

While Aggressive Insurance might be the best choice for you, it’s important to compare prices with as many companies as possible in order to save money. High-risk insurance is usually more expensive than standard coverage, but you can learn more about this company below.

What is Aggressive auto insurance?

Aggressive car insurance was established in 2007 and has provided Texas residents with high-risk insurance ever since. However, Aggressive isn’t a stand-alone company.

Bluefire Insurance owns Aggressive, and it’s merely one of the many plans offered in Texas. Bluefire serves several other states, but Aggressive is currently only offered in Texas and is Bluefire’s largest insurance provider in that state.

Plans are written through the Home State County Mutual company and come in terms of one, three, or six months. Aggressive Insurance doesn’t offer many plan choices — instead, Aggressive policies are designed to help you save money. There are two plans available through Aggressive, including Select and Elite.

Aggressive Insurance Plans

The first plan by Aggressive is the Select policy. The Select package is car insurance at its most basic. This plan gives you the lowest priced insurance possible by offering nothing more than Texas’s minimum required insurance.

Texas insurance requirements are lower than those of many other states. To legally drive on Texas roads, you must carry proof of the following coverages:

  • Bodily injury liability: $30,000 per person, $60,000 per accident
  • Property damage liability: $25,000 per accident

As you can see, Texas doesn’t require very much insurance. In fact, experts recommend much more liability coverage to protect yourself in case you cause an accident. While Texas has a 30/60/30 requirement, a 100/300/100 plan gives you much better protection.

However, if budget constraints require you to obtain the cheapest possible insurance, the Select package provides the coverage you need.

Aggressive’s Elite Package is for families that are seeking minimum coverage. You can add multiple drivers or vehicles to this plan and still receive the lowest prices possible.

Does Aggressive offer additional coverage options?

Most auto insurance companies offer add-ons to increase the value of your policy. Typically, add-ons include roadside assistance, accident forgiveness, and custom equipment coverage.

High-risk insurance companies don’t usually offer much in terms of add-ons as a way to keep costs down. However, Aggressive offers two add-ons.

The first is rental car reimbursement, which can be added to the Elite package. If your car is damaged after an accident and it’s stuck at the mechanic, Aggressive will pay for your rental car.

You can also purchase roadside assistance, which covers:

  • Fuel delivery
  • Flat tire assistance
  • Lost keys
  • Emergency towing
  • Lockout services

In addition, you can acquire battery service for less than $10 a month if you ever find yourself with a dead battery.

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How much does Aggressive auto insurance cost?

Aggressive is not forthcoming about its insurance rates, and you can’t obtain a quote online. To determine exactly how much Aggressive will cost, you’ll need to call the Aggressive Insurance phone number and speak with an agent.

However, you can get an idea of how much insurance with Aggressive might cost you by reviewing the average price for minimum insurance in Texas.

AgeState minimumState minimum with poor creditState minimum after a DUI
20$74$123$110
30$37$187$150
40$36$181$144
50$34$168$141
60$33$161$137
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Most customers mention that Aggressive offers reasonable prices, so rates will probably compare well against its competitors.

Does Aggressive offer discounts?

Car insurance discounts are another area where high-risk insurance companies are typically lacking, but Aggressive’s goal is to save you money. That said, they offer a few discounts, but not as many as larger companies.

Aggressive doesn’t list all of its available discounts, but these are the few that it does:

  • Multi-car. If you have multiple vehicles in your household, you’ll save money by adding them to one policy instead of many.
  • Homeowners. As long as you have a homeowners insurance policy, you’ll be eligible for this discount. Aggressive (or its parent company, Bluefire) doesn’t sell home insurance, so you can acquire it from any company you select.
  • Paperless. Choosing to receive all your correspondence and bills via email helps the environment and saves Aggressive money. They then pass along some of those savings to you.
  • Prior insurance. Details about this discount are minimal, but you’ll likely be eligible for this reduction if you switch from a different company. This is a common discount among car insurance providers, and you usually have to have your previous policy for at least six months.

That’s the list of discounts that Aggressive discloses on its site, but there are probably more. Be sure to speak with an agent about discounts you’re eligible for before signing up for a policy.

Aggressive Auto Insurance Reviews

Aggressive promises to help people find affordable insurance, no matter their situation. However, guarantees on a website only take you so far. The best way to determine if Aggressive is worth entrusting with your car is by reading reviews.

Unfortunately, both Aggressive and Bluefire Insurance (along with Home State County Mutual, which writes Aggressive’s policies) are too small to have ratings from A.M. Best.

An excellent place to start is the Better Business Bureau (BBB). Since Aggressive is part of the Bluefire family, you need to examine Bluefire’s ratings. The BBB gives Bluefire a B, which is relatively low compared to most other insurance companies.

There are numerous complaints listed on the BBB website, of which only about two-thirds have been resolved. Many of the complaints mention that it’s difficult to contact insurance agents. Some customers have waited weeks for Aggressive agents to get their car repaired and eventually paid for repairs out of pocket in frustration.

People whom Aggressive drivers have hit also complain about the company. Many of these complaints involve the difficulty with receiving an Aggressive Insurance payment for filed claims.

Aggressive has slightly over a dozen reviews on Yelp, all of which are negative. People that have been customers for years suddenly find themselves uncertain of their insurance provider, with names like Aggressive, Bluefire, and even Americus thrown around.

Overall, the customer consensus is to avoid Aggressive unless you have no other alternative.

It’s not all doom and gloom, though — there are some positive customer reviews out there. Those that are favorable mention the convenience of having their policy automatically renewed. They also mention that the Aggressive Insurance login makes managing their plan simple, though you’ll log in through Bluefire nowadays.

Find the Best Auto Insurance for Your Needs

When you need high-risk or state minimum insurance on a budget, Aggressive Insurance might be the best choice for you. However, the company is plagued with unfavorable reviews and confused customers. Therefore, it might be best to avoid this company unless it’s one of your only options.

If Aggressive Insurance still interests you, you can compare prices with other companies to ensure that you receive the best rate possible. Remember, you’ll need to speak with an Aggressive agent if you would like to discover how much a policy will cost you.

Aggressive Auto Insurance Review (2022) Additional Information

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Aggressive Auto Insurance Review [2022] Insurance Quotes

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