Aggressive Auto Insurance Review (2023)

Aggressive Insurance promises affordable car coverage for high-risk drivers or families on a tight budget. While it doesn’t offer much beyond Texas’ minimum insurance requirements, Aggressive does have discounts and add-ons available. However, you can’t get a quote online. If you want to sign up, you’ll need to call the Aggressive Insurance phone number.

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Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

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Written by Daniel Walker
Licensed Insurance Agent Daniel Walker

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →

Reviewed by Daniel Walker
Licensed 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 (2023) Additional Information

Aggressive Auto Insurance Review [2022] is a company that was incorporated in . Aggressive Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.

The president of Aggressive Auto Insurance Review [2022] is , the treasurer is , and the secretary is . Aggressive Auto Insurance Review [2022] insurance plans include
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Aggressive Auto Insurance Review [2022] is located in , and the phone number for Aggressive Auto Insurance Review [2022] claims, customer, service, and additional information is .

Aggressive Auto Insurance Review [2022] Insurance Quotes

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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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