CURE Auto Insurance Review (2024)

Citizens United Reciprocal Exchange (CURE) is a small insurance company that provides coverage in New Jersey, Pennsylvania, and Michigan.

Unlike most companies, which use a variety of factors to determine auto insurance rates, CURE primarily looks at your driving record. Factors like your credit score or occupation play a minimal role in your CURE rates.

Although it’s only available in three states, CURE might be the right choice for you. Read on to learn more about CURE insurance, then compare rates to find the best option for you.

What You Should Know About CURE Auto Insurance

While it’s not as well-known as companies like State Farm auto insurance or Geico auto insurance, CURE offers affordable coverage for some drivers. You can only buy from CURE in New Jersey, Michigan, and Pennsylvania, but it might be a good choice if you have a low credit score and a clean driving record.

CURE is a good insurance choice for some drivers, but not everyone benefits. Before signing up for a policy with CURE, you should do a little research to ensure the company is a good fit for you.

One of the best places to start is to look at third-party ratings, but CURE is too small to garner attention from many companies. A.M. Best and J.D. Power don’t give CURE a rating.

However, the National Association of Insurance Commissioners (NAIC) gives CURE a 0.97. The NAIC scores companies on the number of complaints compared to their size. The national average is 1.0, which means CURE gets slightly fewer complaints than comparable companies.

The Better Business Bureau (BBB) rates companies on their ability to resolve customer complaints. The Better Business Bureau (BBB) gives CURE an A+, meaning any complaint you might have will likely be resolved quickly.

Although CURE gets a few good third-party ratings, it struggles with its customer service reputation. CURE has improved its service recently, but people still say the company is unresponsive and uncoordinated.

CURE Auto Insurance Coverage Options

Most drivers look for two types of car insurance — minimum and full coverage. Minimum car insurance refers to the least amount of coverage you can buy and still legally drive or register a car in your state. Full coverage auto insurance is never required by state law, but you’ll probably need it if you have a car loan or lease. It costs more, but full coverage offers much better protection.

CURE provides everything drivers in Michigan, Pennsylvania, and New Jersey need to stay protected on the roads, no matter how much coverage they want. CURE sells the following types of insurance:

• Bodily injury liability insurance. As one-half of liability coverage, bodily injury covers injuries you cause to other drivers, passengers, and pedestrians. It does not cover your own injuries.
• Property damage liability. As the second half of liability insurance, property damage covers damage you cause to other people’s property.
• Collision insurance. While liability insurance is typically required by state law, you’ll need collision coverage to help pay for your car repairs. It also covers you if you hit a stationary object.
• Comprehensive auto insurance. Comprehensive coverage covers damage from unexpected events, like fire, vandalism, floods, weather, theft, and animal contact.
• Uninsured/underinsured motorist coverage. Every state CURE operates in requires car insurance, but that doesn’t mean all drivers follow the law. Uninsured motorist pays for damage when a driver with inadequate insurance hits you.
• Personal injury protection insurance. Personal injury protection insurance covers medical bills for you and your passengers after an accident. It also covers you when you’re a passenger in someone else’s car or hit as a pedestrian or bicyclist.

These are the basic insurance options most companies offer. If you want more coverage, you’ll probably need to look elsewhere. CURE is vague about what it offers, so there are no reports about any available add-ons.

However, CURE does offer free roadside assistance for every plan it sells. Most companies sell roadside assistance as an add-on, and it can be expensive in some cases. CURE might not offer the most extensive list of add-ons, but the company’s free roadside assistance helps drivers save.

What is CURE’s basic car insurance package?

CURE offers a pre-built package that makes buying coverage easy, but this coverage is only available to residents of New Jersey. CURE’s basic package includes the following:

• $5,000 property damage liability insurance
• $15,000 personal injury protection insurance
• $10,000 extended medical expense benefits
• Drivers can also choose to add bodily injury liability insurance to their plan as well.

If you buy the basic package, you’ll need to supplement it with more coverage. New Jersey’s insurance laws require a $15,000/$30,000/$5,000 plan, which CURE’s basic package does not meet.

You can also add additional coverage to your plan, like comprehensive or collision insurance.

CURE Auto Insurance Rates Breakdown

Compared to other companies, CURE auto insurance quotes are often on par with the national average. However, some drivers will see lower rates than other demographics. For example, CURE tends to be cheaper for auto insurance for young adults, whereas older adults usually see higher prices.

Most companies use a variety of factors when determining your rates. When you shop at a standard insurance company, it will look at the following factors:

• Age
• Gender
• Location
• Credit score
• Marital status
• Occupation
• Make and model of your car
• Driving history

Unlike standard insurance companies, CURE focuses primarily on your driving score. Drivers with minimal incidents in their driving history will see the lowest rates at CURE.

How much does CURE car insurance cost?

As stated before, the most important factor for CURE insurance is a clean driving record. As long as you have minimal infractions on your record, you’ll most likely see CURE’s lowest rates. To get an idea of how much you might pay with CURE, consider the following prices below.

Full Coverage Auto Insurance Monthly Rates by Age and Gender

Keep in mind that CURE car insurance quotes can vary significantly between states, especially if you have infractions on your driving record. If your driving history is less than perfect, you’ll probably find lower rates elsewhere.

CURE Auto Insurance Discounts Available

One thing often noted as lacking in CURE auto insurance reviews is discounts.

Insurance companies offer discounts to help customers save money and reward them for safe driving habits. Finding a company with multiple discounts you can take advantage of can help lower your monthly costs significantly. While CURE has a few discounts, it doesn’t compare with bigger companies.

When you shop at CURE, you might be eligible for the following car insurance discounts:

• Defensive driving. Earn a 5% discount on your liability, collision, and personal injury protection insurance by taking a defensive driving course approved by CURE.
• Loss-free. If you go two years without making a claim, CURE will discount your comprehensive and collision insurance by 5%. The longer you go, the more you can save. This discount maxes out at 20% after five years.
• Safe parking. Insurance companies prefer that you park your car in a secure location. You’ll earn 10% off your comprehensive insurance by parking off-street and 25% off for parking in a secure garage.

While this isn’t the longest list of discounts, CURE still offers decent options to save. However, you should check with a representative when you sign up for a policy since options and availability change by state.

How CURE Auto Insurance Ranks Among Providers

Although CURE offers lower rates for some drivers, you’ll probably find better prices elsewhere. Companies like Geico, Progressive, and State Farm usually offer lower rates than CURE.

Check below to see how CURE’s rates compare to other companies.

Auto Insurance Monthly Rates Based on Driving Record

As you can see, CURE is better suited for younger drivers, whereas companies like Geico and Progressive provide better rates for older adults.

Although its average rates are higher, CURE still might be the best option if you have a clean driving history. However, you might see a much higher increase in your rates if you get into an accident than you would at another company.

How do you file a claim with CURE?

While most companies offer their customers multiple online options to file claims, CURE has fewer options. When you need to file a car insurance claim with CURE, you’ll need to call and speak with a claims representative.

While it’s not as convenient as other companies, CURE representatives are ready to help with your claims 24/7.

Find Out If CURE Is Right for You

CURE might have the cheapest car insurance rates if you live in New Jersey, Pennsylvania, or Michigan. However, CURE is best for a specific driver — you’ll see much lower rates if you have a clean driving record.

When you’re in the market for car insurance, CURE might be the right option for you, but you should always check your other options. Comparing as many quotes as possible is the best way to ensure you find the lowest rates.