Can't-Miss Facts

  • CURE Auto Insurance is a reciprocal exchange
  • CURE Auto Insurance offers two coverage packages
  • CURE Auto Insurance is best for drivers with poor credit

CURE Auto Insurance provides automobile insurance for drivers in New Jersey, Pennsylvania, and Michigan. The company has higher rates than many competitors but only considers driving records when determining rates. As a result, it’s a good option for high-risk drivers.

Knowing more about CURE Auto Insurance will help you decide if the company is a good option for you.

Before jumping into this CURE Auto Insurance review, enter your ZIP code to find free car insurance rates in your area.

Does CURE Auto Insurance have competitive rates?

According to the Insurance Information Institute, most auto insurance companies use various factors to determine the risk of drivers, and riskier drivers experience higher rates. High-risk drivers tend to have difficulty finding insurance coverage at an affordable rate.

CURE Auto Insurance sets itself apart from competitors by mainly focusing on driving history. As a result, drivers with a poor credit history are more likely to receive affordable rates. However, the company still takes age and gender into account.

The best way to determine if you can get cheap auto insurance rates is to compare companies. The following chart compares affordable CURE Auto Insurance rates with GEICO and Allstate based on multiple driver profiles.

Average Annual CURE Auto Insurance Rates vs. GEICO and Allstate by Age and Marital Status

Driver ProfileCURE Auto Insurance Average Annual RatesGEICO Auto Insurance Average Annual RatesAllstate Auto Insurance Average Annual Rates
30-year-old married couple$2,541$993$1,171
25-year old unmarried female$612$699$752
30-year-old unmarried male$1,545$582$628
65-year-old married couple$1,384$675$696
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As you can see, CURE is the cheapest option for young female drivers. However, the company is more expensive for young male drivers and married couples.

What coverages are offered by CURE Auto Insurance?

CURE Auto Insurance offers three options for customers looking for coverage. Two packages are available, which differ on cost and coverage limits. Customers can also choose a custom option, allowing them to pick coverages individually.

Through the three purchasing options, CURE provides all of the standard types of auto insurance that you’ll find from the best companies. The following table shows the protection drivers can receive from CURE’s primary types of car insurance.

CURE Auto Insurance Coverages

Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Medical paymentsCovers medical costs caused by an accident regardless of who is at fault.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
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CURE’s basic policy is a low-cost and low-coverage option. This plan is best for drivers who are on a budget and whose primary concern is cost. Drivers who choose this option will receive the following coverages and limits.

  • Bodily injury liability: $10,000 coverage limit
  • Medical expenses: $10,000 coverage limit
  • Personal injury protection: $15,000 coverage limit
  • Property damage: $5,000 coverage limit

The company’s standard policy offers a broader range of coverages and limits. This more expensive option is best for those more concerned with coverage than price. The CURE standard policy includes:

  • Bodily injury liability and uninsured/underinsured motorist: From $15,000 to $250,000 per person and $30,000 to $500,000 per accident.
  • Personal injury protection: From $15,000 to $250,000 per accident.
  • Physical damage and uninsured motorist property damage: From $5,000 to $100,000 per accident.

In addition to these traditional coverages, the standard policy also includes collision and comprehensive coverage, towing and labor, and extended transportation coverage. But each of these options requires an additional fee.

The two plans allow customers to pay a specific amount for the included coverages. However, those who prefer a custom policy can choose which coverages they want, and the company sells them individually.

The custom plan is what you can expect from competitors. As a result of individual pricing, policies with more coverage result in higher CURE Auto Insurance quotes.

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What discounts are available from CURE Auto Insurance?

As previously mentioned, drivers with a poor driving record will experience higher rates. As a result, some drivers might find the rates too expensive. Fortunately, CURE Auto Insurance offers multiple discounts that can lower rates.

The following table shows the five CURE Auto Insurance company discounts and the amount drivers can save on coverage.

CURE Auto Insurance Discounts

Auto DiscountDiscount Savings
3-year good driverUp to 35% off for drivers that are accident and violation-free for three years.
5-year good driverUp to 40% off for drivers that are accident and violation-free for five years.
Multi-vehicleInsure multiple vehicles under the same policy.
ParkingUp to 15% off for drivers that park off the street.
GarageUp to 50% off for drivers that park in a more secure spot, like a garage.
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CURE Auto Insurance provides fewer discounts than most competitors. However, the company offers enough discounts to make coverage more affordable. Asking a representative about all available deals will ensure that you get the best possible rates.

How is CURE Auto Insurance rated?

Credit rating agencies review and rate insurance companies based on financial strength. These ratings allow customers to determine the likelihood of receiving a payout. However, CURE is not included in the most recent ratings.

The Better Business Bureau (BBB) also rates companies based on their business practices. For example, CURE car insurance has been rated “A+” by the BBB, indicating that the company is transparent and trustworthy when working with drivers.

Does CURE Auto Insurance have any complaints?

In addition to rating insurance companies, the Better Business Bureau allows customers to list complaints. Examining these complaints enables potential customers to determine the quality of service they’ll receive.

At the time of this review, the BBB has received six complaints about CURE during the past three years, with two coming in the past 12 months. Four of the six complaints were about its services, and two were about its billing practices.

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How can you file CURE Auto Insurance claims?

Most insurance companies provide multiple ways for customers to file claims, including online. However, CURE insurance only allows customers to file claims by phone.

Customers that need to file a claim can do so by calling the Cure Auto Insurance phone number at 1-800-229-9151. Representatives are available 24 hours a day, seven days a week. After a claim is filed, customers can log in to their accounts to check the status of their claims.

How can you make CURE Auto Insurance payments?

While CURE Auto Insurance policyholders can file claims only by phone, payments can be made online or via automatic withdrawal. The company allows customers to make payments in multiple ways, including:

  • Checking account
  • Savings account
  • Debit card
  • Credit card

Paying online includes a $14.95 convenience fee, making this the most expensive option. Customers can also pay through text, which features a $5.99 fee. There is no additional cost to sign up for automatic withdrawal, meaning that customers will pay the least with this option.

Where is CURE Auto Insurance available?

Originally from New Jersey, CURE has also been in Pennsylvania for most of its history. However, the company expanded into Michigan, its third state, on July 2, 2021. Today, the company is only available in those three states.

Customers looking to buy coverage can call 800-535-2873 for more information. The automated message will ask you to press one for coverage in Michigan, two for coverage in New Jersey, and three for coverage in Pennsylvania.

Who is CURE Auto Insurance?

CURE Auto Insurance was founded in 1990 by former New Jersey Insurance Commissioner James Sheeran and Lena Chang. Headquartered in Princeton, New Jersey, the name stands for Citizens United Reciprocal Exchange.

Unlike traditional car insurance companies, CURE is a reciprocal exchange. Policyholders own these types of companies, but a separate entity manages them.

CURE Auto Insurance: The Bottom Line

CURE Auto Insurance is currently available in New Jersey, Pennsylvania, and Michigan. Customers can choose a plan based on price or buy coverage options individually. Additionally, they can combine discounts to lower rates.

Learning more about CURE Auto Insurance will help you decide if the company is right for you.

Now that you know about CURE Auto Insurance, enter your ZIP code to get free car insurance quotes in your area.