Aggressive Auto Insurance Review [2024]

Aggressive Insurance, specializing in high-risk auto coverage with basic plans like Select and Elite, presents potential options for Texas drivers, yet customer reviews caution about accessibility and claims processing, urging careful consideration.

UPDATED: Jan 15, 2024Fact Checked

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

UPDATED: Jan 15, 2024

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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 providers please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 15, 2024

Advertiser Disclosure

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 providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 15, 2024Fact Checked
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Aggressive Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Offers car coverage for high-risk drivers
  • Provides basic coverage and has discounts and add-ons available
  • Has reasonable prices compared to other high-risk insurance companies

Cons

  • No online quotes available
  • Mostly negative reviews from customers
  • Many complaints about difficulty contacting insurance agents and issues with receiving payments

Final Verdict: Review of Aggressive Insurance

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.

[su_box title="The Lowdown" style="default"]
  • 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
[/su_box] 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 You Should Know About Aggressive 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 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.

Aggressive Insurance Coverage Options

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.

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.

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Aggressive Insurance Rates Breakdown

Driver ProfileAggressive AutoNational Average
Clean Record$160$119
1+ Ticket$190$147
1+ Accident$220$173
DUI$250$209
Poor Credit$275$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

View as image

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

Most customers mention that Aggressive offers reasonable prices, so rates will probably compare well against its competitors.

Aggressive Insurance Discounts Available

DiscountAggressive Auto
Anti Theft10%
Good Student16%
Low Mileage11%
Paperless7%
Safe Driver20%
Senior Driver12%

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.

How Aggressive Insurance Ranks Among Providers

Aggressive Auto Insurance, with its focus on providing high-risk auto coverage in Texas, competes in a dynamic market where several companies vie for customers seeking specialized insurance solutions. Here is a list of some competitors that potential customers might consider when exploring high-risk auto insurance options.

  • Bluefire Insurance: As the parent company of Aggressive, Bluefire offers various insurance plans and may be considered a competitor in the high-risk auto insurance market.
  • The General: Known for catering to drivers with a less-than-perfect record, The General provides coverage for individuals with past accidents or violations.
  • Dairyland Insurance: Specializing in non-standard auto insurance, Dairyland is a competitor that offers coverage for high-risk drivers, including those with SR-22 requirements. (For more information, read our “Dairyland County Mutual Insurance Company of Texas: Customer Ratings & Reviews“).
  • Titan Insurance: With a focus on serving customers who may face challenges in obtaining traditional auto insurance, Titan provides options for high-risk drivers.
  • Infinity Auto Insurance: Infinity offers non-standard auto insurance, making it a potential competitor for individuals seeking coverage with a less-than-ideal driving history.
  • SafeAuto: Targeting drivers who may have difficulty obtaining affordable coverage elsewhere, SafeAuto provides options for high-risk individuals.
  • National General Insurance: Specializing in personal and commercial lines, National General is another player in the non-standard auto insurance market.
  • Direct Auto Insurance: Known for catering to individuals with a range of driving histories, Direct Auto provides options for high-risk drivers.

Aggressive Auto Insurance strives to meet the needs of high-risk drivers, exploring options from these competitors can help individuals make informed decisions about their auto insurance coverage. It’s crucial for customers to thoroughly compare rates, coverage options, and customer reviews before selecting the insurance provider that best suits their unique requirements.

Read more:

Frequently Asked Questions

What is Aggressive Auto Insurance, and who does it cater to?

Aggressive Auto Insurance specializes in providing high-risk auto coverage, catering to drivers with multiple infractions, DUI convictions, or other traffic violations.

Can I get a quote online from Aggressive Auto Insurance?

No, Aggressive Auto Insurance does not offer online quotes; prospective policyholders need to call the Aggressive Insurance phone number to obtain a quote.

What coverage options does Aggressive Insurance offer for high-risk drivers?

Aggressive Insurance offers two main plans, Select and Elite, with the Select policy providing the minimum required coverage in Texas, while the Elite package is designed for families seeking minimum coverage with the option to add multiple drivers or vehicles.

What do customer reviews indicate about Aggressive Auto Insurance?

Customer reviews highlight a mixed sentiment regarding Aggressive Auto Insurance, with some expressing concerns about accessibility and claims processing, emphasizing the importance of careful consideration before choosing this provider.

Are there discounts available with Aggressive Auto Insurance?

Aggressive Auto Insurance offers a few discounts, although not as many as larger companies, and the available ones include discounts for good students, military personnel, and multi-car policies. It is recommended to inquire with an agent about eligible discounts before signing up for a policy.

Compare Insurance Providers Rates to Save Up to 75%

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Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ...

Licensed Agent & Financial Advisor

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Aggressive Insurance

2.74 (28 reviews)
1
February 21, 2022

Dgauthier36

Claim i filed on dec. 2 .2021

I had a incident happened 12-2-21 and now its 2-21-22 and still nobody came out to estimate the damage i just called today i have no adjuster at all but im paying every month and they cant fix my car what am i paying monthly for and the customer service is horrible.
1
July 12, 2021

SylviaM

Scam alert!!!

SCAM ALERT!!!! Stay away… I tried to fill a claim and I never got anywhere with this company. When you call in you can NEVER talk to someone that directly works for the company… it’s always a third party that answers and takes a message. They wanted me to pay for towing cost and diagnostic cost because they did not have adjusters in my area( Will why would they sale their insurance then!!! ). I would then have to let them review the outcome...
SCAM ALERT!!!! Stay away… I tried to fill a claim and I never got anywhere with this company. When you call in you can NEVER talk to someone that directly works for the company… it’s always a third party that answers and takes a message. They wanted me to pay for towing cost and diagnostic cost because they did not have adjusters in my area( Will why would they sale their insurance then!!! ). I would then have to let them review the outcome and see if it was covered to be reimbursed back… STAY faraway!!!!
5
July 18, 2019

jod123

my review for my assurance company

i had a good experience with this company they was fast and helpful,they andrestand what i want ,i can stay with them
1
January 23, 2019

Danclass246

WORST INSURANCE COMPANY PERIOD

RUN FAR!! Absolute trash customer service, there docusign didnt work, I faxed info they recieved it all.. gave me a policy only to cancel it on accident and not send me a notice, I was pulled over and had to call and prove I had a policy, then 15 days after they reinstated the policy they cancelled it again because I had made a payment that they didnt see when they reinstated it.. STAY FAR AWAY!!!!!!
3
November 25, 2018

Haileymcdowell17

Ok company

Was good but kind of pricey on monthly payments.Could offer discounts and better access to policyholders.
1
October 8, 2018

homestatesucks

if you need to file a claim, get ready to grab your ankles

they love premiums. they hate paying claims. and they only make partial reimbursements. stay away.
5
July 24, 2018

BenitezC18

Low Deposit!

Love this company ! Best prices all around, and a very low deposit, also they work with you on your id / driver license
4
May 29, 2018

Krets2009

Good

Had great reviews so i tride it signed up got insurance but bill was due before pay day so i was always late
5
May 7, 2018

rosalynn88

Staying

I really like Aggressive Insurance, they are great. I have been with the company for over a year now. I am staying.
4
April 25, 2018

moodysgirlfriend

price goes up and down

This insurance company is really good and cheep and fast. The only thing is their rates go up and down from month to month. But my full coverage insurance is less then 150 a month.
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