CURE insurance review 2024
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At a glance
Bankrate's take
Policyholders with lower credit scores in Michigan, New Jersey or Pennsylvania may consider CURE as their company of choice, since CURE does not use credit score, occupation or education level as insurance rating factors.
- Does not use credit, occupation or education to set prices
- Only available in MI, NJ and PA
- Basic coverage options and discounts
- 24/7 roadside assistance available
We want to know what you think about CURE
Do you have experience with CURE? Let us know your thoughts.
CURE car insurance review
CURE auto insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that bases insurance premiums primarily on non-economic factors such as driving record rather than customers’ credit history, occupation or education level. As of 2024, CURE has expanded to offer basic car insurance coverage in Michigan and Pennsylvania.
CURE’s car insurance coverage offerings are fairly limited, with standard options including bodily injury and property damage liability, comprehensive and personal injury protection (PIP). Optional endorsements include roadside assistance and rental car reimbursement. For drivers choosing to add collision coverage to their policy, CURE offers three levels of coverage: broad collision, which applies a deductible only if you’re more than 50 percent at fault, standard collision, which always has a deductible and limited collision, which will only pay for damage to your vehicle if you were less than 50 percent at fault for an accident.
Pros and cons of CURE car insurance
While researching CURE, you may find it helpful to note some pros and cons to aid in your decision. We’ve compiled some pros and cons of CURE auto insurance to consider.
Pros
- Credit history, occupation and education not used to set price
- Limited roadside assistance coverage is included on all auto policies
- Online payments and claims available
Cons
- Limited discounts and coverage options
- Only available in three states
- High rate of customer complaints
CURE car insurance cost
CURE’s policies may be appealing to drivers with poor credit histories, as CURE does not use credit as a rating factor. CURE also doesn't consider occupation or education level in premium rating. However, CURE’s average premiums aren’t available, so you’ll need to request a personalized quote from CURE in order to compare rates and estimate your potential costs.
Keep in mind that auto insurance premiums are based on individual rating factors such as the make and model of your vehicle, your driving record, claims history and the amount of coverage you purchase, so the actual cost of your policy will differ for every driver. The average monthly cost of auto insurance is $190 for full coverage and $52, but your own quotes may be higher or lower and could vary depending on which state you live in.
CURE customer satisfaction
When assessing insurance companies, Bankrate's insurance editorial team looks at third-party ratings and scores, which can help when determining how well they perform in certain areas. Some trustworthy sources of these ratings include J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
J.D. Power rates companies based on how satisfied customers are with their claims and overall customer service. However, J.D. Power typically focuses on the largest companies by market share. Since CURE is a fairly small regional insurer, it is not rated in J.D. Power's 2024 customer satisfaction study. AM Best provides financial strength ratings, which represent the historical ability of a company to meet their financial obligations. CURE has not earned a rating from AM Best, either. Prospective customers may want to speak with existing policyholders about their customer and claims experience.
CURE auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) tracks customer complaints against insurance companies. These complaints are leveraged against the company's size to calculate complaint indexes by product type. The benchmark index is 1.0. Any number higher than 1.0 indicates that a company receives more complaints than expected for its size, while an index below 1.0 means the company receives fewer complaints than expected.
In 2023, CURE received a NAIC complaint index score of 5.16 for private passenger auto insurance. That’s a rate of complaints five times the industry benchmark for an insurer of its size, indicating that a relatively high number of CURE customers end up filing a complaint against the company.
CURE car insurance discounts
Although CURE car insurance is a back-to-basics provider, the company does offer a few competitive auto insurance discounts. You may want to check with an insurance provider to ensure that each of these discounts is available in your state and double check that you’re eligible.
- Three-year good driver discount: According to CURE’s online quote system, if all the drivers on your policy have been driving for at least three years, you may qualify for up to a 35 percent discount. This could apply to new policies, too, provided that everyone on the policy has a clean driving record for a minimum of three years before the date of application.
- Multi-vehicle discount: CURE offers customers a discount if they insure multiple cars under one vehicle policy rather than having a separate policy for each.
- Parking discount: CURE offers a discount for comprehensive and collision coverage policyholders who park in a driveway or garage rather than on the street.
- Good student: CURE offers a discount to qualifying students who maintain high grades. Contact an insurance agent to learn more.
- Low mileage: You may earn a discount with CURE if you only drive your car occasionally. This may save money for drivers who do not commute daily to work.
Compare CURE with other insurers
If you’re still unsure whether CURE is the right company for you, it may be helpful to compare it to a few different carriers. Keep in mind that CURE is focused primarily on auto insurance, and does not offer other insurance products, as do many larger companies. For some individuals, that may not matter, but if you wish to bundle your car insurance with home or renters coverage, another company might be a better fit for you.
CURE vs. State Farm
Over the years, State Farm has won Bankrate Awards for auto, home and life insurance thanks to the company’s highly rated customer service, accessible agents, easy to use policy tools and competitive premiums. Those who like to keep their financial business centralized may appreciate the fact that State Farm also offers banking and investment services, unlike CURE, which offers only car insurance. If you’re looking for a nationally-known provider with customizable coverage and robust digital tools, State Farm may be a good choice for you.
Learn more: State Farm Insurance review
CURE vs. Lemonade
If you’re looking for a company with a mobile app and an easy-to-use online platform, you may want to look into Lemonade, an all-digital insurance provider. Lemonade offers renters, homeowners, pet and term life insurance as well as auto coverage, with savings available if you bundle more than one policy. Unlike CURE Insurance, it has a highly-rated mobile app and claims to pay out on claims almost instantly. Lemonade is also available in more states than CURE, and is working to expand its coverage across the U.S.
Learn more: Lemonade Insurance review
CURE vs. USAA
USAA offers insurance exclusively to U.S. military members, veterans and qualifying family members. Like Lemonade and State Farm, USAA offers a robust range of products including banking and retirement savings, making it more of a one-stop shopping experience than CURE. The company also features numerous perks for policyholders, including discounts for policyholders from companies such as Hertz and FedEx. If you’re looking for a low-cost company tailored to military needs, you may want to consider USAA.
Learn more: USAA Insurance review
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth CURE insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is CURE a good insurance company?
Bankrate’s CURE auto insurance review determined that it may be a good insurance company for those looking for a company that doesn’t factor in credit history, occupation or education level when calculating insurance premiums. However, the company only offers auto insurance, so you may want to look elsewhere if you’re looking for a company that offers additional product lines. CURE offers cheap auto insurance for many drivers with fairly simple coverage options. If you believe in the company’s mission of reducing discrimination in auto insurance, you may want to consider CURE.
What are real-life customers saying about CURE?
CURE positions itself as a customer-focused alternative to traditional insurance pricing based on credit and socioeconomic factors. To evaluate how well its promises of fair insurance pricing translate in the experience of actual customers, Bankrate’s insurance editorial team scoured Reddit forums for accounts from current and former CURE policyholders. We also looked at reviews from customers who’ve downloaded CURE’s mobile app on the Google Play store.
We primarily found Reddit users discussing CURE in local subreddits based in the states where CURE auto insurance is available. While some customers reported receiving lower rates from CURE than other insurance companies, others complained about the limited coverage options.
Google Play Store
Customers who downloaded CURE’s mobile app on the Google Play Store also showed mixed perspectives. Many reviews focused on technical bugs, but we also saw a familiar narrative reflected in both the positive and negative reviews: while CURE offers many drivers cheap car insurance rates, some users find that the low rates come with poor customer service.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
CURE company details
CURE offers a few ways for customers to contact them, including phone, mail and online live chat.
- Customer service: 800-535-2873
- Claims: https://www.cure.com/claims
- Marketing: https://www.cureinsurancearena.com/sponsorships
- Live chat available at: https://www.cure.com/contact
- Claims mailing address: 214 Carnegie Center, Suite 301, Princeton, NJ 08540
State availability
CURE auto insurance is only available in three states: Michigan, New Jersey and Pennsylvania.
CURE tools and benefits
CURE auto insurance does not offer any insurance or financial products other than auto coverage. The carrier doesn’t offer a mobile app either, which may be a let down for tech-savvy shoppers. However, the carrier does feature online quoting and a customer portal on their website. The company also offers the following tools and benefits that may interest potential customers:
- Referral program: CURE's referral program allows policyholders to earn rewards for bringing friends and family to CURE.
- Direct repair shops: CURE's catalog of Direct Repair Shops may help customers more quickly find a reputable shop for vehicle repairs and may help expedite the claims process.
Frequently asked questions about CURE
