R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict
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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
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 $205 for full coverage and $56, 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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with CURE
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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.
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.
Our 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.
Reddit
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.
Reddit User 1*
Jan 16, 2024
Try getting a quote from CURE
"Try getting a quote from CURE. When I last priced insurance it was incredibly cheaper than every other company by hundreds of dollars. I have had them for a year and a half now and the rate has stayed the same since I signed up."
"I have Cure insurance. ~ $100/month and only 1 vehicle. and only BASIC coverage, so if I get hit, I'm screwed. Can't wait to move out of state so I can afford insurance again."
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.
Google User 1*
Jan 12, 2024
I am extremely happy with what I pay...
"I am extremely happy with what I pay for my auto insurance for 6 months. I do check around now and then for other insurance companies and I'm still with Cure."
*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.
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
CURE doesn’t advertise any charitable causes on its website, but the company states that it is dedicated to: standing up for common sense and being the voice for drivers who have been discriminated against for factors like education, occupation and credit score.
CURE asks customers to file claims over the phone. If you need to file a claim, start with the following steps.
Call 800-229-9151.
Provide the location, date, time, and description of the accident.
Report the name of the driver if a driver was involved in the accident.
CURE may ask for details including contact information of involved drivers, vehicle locations and police report details.
Wait one to two business days to hear from your claims representative.
No. CURE's single product is auto insurance, which it sells to residents of New Jersey, Pennsylvania and Michigan. It also offers roadside assistance services to policyholders, but has few other perks or offerings. For drivers who would like to take advantage of bundling opportunities or just want to have all their insurance needs met by a single company, CURE may not be a good fit. There are, however, a number of other insurers writing robust policies that allow for bundling in these three states.
Bankrate’s insurance editorial makes every effort to provide a Bankrate Score for any company we review. However, in some cases, a lack of data makes it impossible to issue a Bankrate Score. In CURE’s case, the company’s limited size along with the lack of publicly available premium data and third-party ratings made it ineligible for a Bankrate Score.
What policyholders are saying about CURE
CURE has 25 reviews
Dive into community reviews below and see what others think about CURE.
3.6
25
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
64% of consumers recommend this insurer
Score breakdown
5 stars
28%
4 stars
36%
3 stars
16%
2 stars
12%
1 star
8%
Score by category
Overall rating3.6 / 5
Original cost3.7 / 5
Coverage3.9 / 5
Customer Support3.9 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about CURE.
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
They have better prices
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The prices
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support2/ 5
Coverage1/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Good service , good quality
How does this insurer compare to insurance companies you’ve had in the past?
Very good
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They’re are very much welcoming and responsive, much more than the ones I used to have
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The fact that these people assume responsibilities without trying to circumnavigate the situation is laudable
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They have many useful features that support my needs
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is reliable and organized
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I chose them because they had the best competable prices and very helpful.
How does this insurer compare to insurance companies you’ve had in the past?
This company set the par for good car insurance your going to hear about them for a long time.
Insurance Type
Auto
Score by category
Original cost2/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
So much more inclusive
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Better offers
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I like to to look online to find the best insurance company for me and my family.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Cure has the best rates I have ever seen in all my years of being insured. The coverage is the same with lower rates. Customer service is also good for a company that does most business online.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I stay with cure because I get the same coverage and I pay much less. I would only leave cure if I could get better coverage for less, which I doubt will happen.
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Affordable & good coverage
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Cost & I would change for a lower rate
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The amount of money I can save from car accidents
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
