CURE Auto Insurance Review for 2023
CURE (Citizens United Reciprocal Exchange) Auto Insurance offers only automotive policies and only charges premiums based on your driving record. To compare your CURE auto insurance quote to other providers, use our tool below.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Insurance Agent
UPDATED: Jun 20, 2022
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Wouldn’t it be great if there were a not-for-profit insurance provider in your area that offered cheap car insurance rates and didn’t artificially inflate your monthly premiums based on seemingly unimportant factors, such as your credit score? Well, if you live in New Jersey or Pennsylvania, there is: CURE Auto Insurance. CURE stands for (Citizens United Reciprocal Exchange). The company focuses exclusively on automotive policies (as opposed to offering additional products like Homeowner’s Insurance) and calculates premiums based solely on your driving record. CURE auto insurance reviews can help you decide if the company is right for you. For more information on what to expect from CURE, keep reading.
What are the CURE auto insurance reviews?
CURE is not only a small, local company operating in two Northeastern states, but it’s also a not-for-profit organization; therefore, it’s no surprise they don’t have an official rating with a credit rating agency such as A.M. Best. For the most part, CURE auto insurance reviews are pretty positive. However, there does seem to be a minority of customers who assert that their claims process was difficult, lengthy, and left them feeling extremely dissatisfied with CURE’s service.
| Rating’s Agency | Rating |
| AM Best Financial Rating (2016) | N/A Not Rated |
| Better Business Bureau Rating (2016) | A+ |
| Complaint Ratio per Vehicle (NJ, 2012) | 1 / 53,759 (Better than Average) |
| Credit Karma (2016) | 2/5 Stars |
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What discounts does CURE auto insurance offer for cheap insurance rates?
CURE prides itself on being a not-for-profit company that protects drivers from discriminatory practices. CURE promises to offer low rates for careful drivers who have a clean driving record. They don’t believe a customers’ monthly premiums on things like education level, homeownership status, or occupation affect risk. The discounts in the chart below are reflective of this particular business philosophy.
| Discount Type | Discount Amount |
| Multi-Vehicle Collision Discount | 15% on Collision coverage |
| Good Driver Discount – 3Y | 35% |
| Good Driver Discount – 5Y + 2Y as CURE policyholder | 40% |
| Parking Discount | 15 – 50% on Comprehensive & Collision |
What types of CURE auto insurance policies are available?
CURE doesn’t go into deep detail about the types of auto insurance coverage options they offer to their customers on their website. Their primary focus is affordable car insurance. One would assume, however, that they offer at least the minimum coverage options required by New Jersey and Pennsylvania law. In New Jersey, those coverages are:
| Minimum Required Coverage | Minimum Required Dollar Amount |
| Bodily Injury Liability | 15,000/30,000 |
| Property Damage Liability | 5,000 |
| Uninsured Motorist Bodily Injury | 15,000/30,000 |
And in the state of Pennsylvania, drivers must carry the following coverage in order to legally operate a motor vehicle:
| Coverage | Requirements |
| Bodily Injury Liability | 15,000/30,000 |
| Property Damage Liability | 5,000 |
| Medical Payments | 5,000 |
How can I compare car insurance premiums from CURE?
For insurance with CURE, the most important thing is your driving history. Insurance agents quote comprehensive coverage based on things like accidents and tickets. Things such as credit score, homeowner status, and your education level – factors which most providers consider when calculating your risk level – are left out of the equation. This creates differences in pricing and coverage you might not expect.
In particular, there is a noticeable role reversal when it comes to how much CURE charges its customers. With most providers, a single driver age 25 or below would most likely be charged the highest rate out of any other demographic for a basic policy. With CURE, the opposite seems to be true. A married couple who may own their own home would probably see the lowest possible rate from most insurance providers. Since those factors aren’t given as much weight by CURE, they lose their “preferred-risk” privileged status. So they don’t get the discount on collision or comprehensive insurance they would expect from other providers based on what CURE considers irrelevant factors.
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What are the pros and cons of CURE car insurance?
| Pro | Con |
| Good for drivers with a clean record but less-than-perfect metrics (bad credit, no home ownership, no higher education, etc.) | CURE only underwrites in NJ and PA |
| CURE usually offers lower premiums than their local competition | Multiple customer complaints about long, complicated, and difficult claim processing |
If you have a clean driving record, never get into an accident, and can’t get an affordable rate from another insurance firm, it may be based on factors such as your credit score or your home ownership status. CURE provides an alternative. However, you need to be a New Jersey or Pennsylvania resident. If you ever do need to file a claim with them, you might want to prepare yourself for a protracted battle with your insurance company.
Corporate Headquarters214 Carnegie Center, Suite 101
Princeton, NJ 08540
www.cure.com
Phone:1-800-535-CURE (2873)