CURE Car Insurance Review & Ratings (2022)

The Citizens United Reciprocal Exchange, or CURE Auto Insurance, is a non-profit company that sells affordable policies to responsible drivers. Insurance rates from CURE are not affected by non-driving factors. CURE car insurance rates are primarily based on your driving record, and the company does not factor in variables like your credit score, occupation, or education level. You can buy CURE car insurance in Michigan, New Jersey, and Pennsylvania.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Company Details
Address: 214 Carnegie Center, Suite 301
City: Princeton
State: New Jersey
ZIP Code: 08540
Phone Number: (800) 535-2873
Year Founded: 1990
AM Best Rating: Not Rated
Company Rating 0 (0 reviews)

The Citizens United Reciprocal Exchange is better known as CURE Auto Insurance. It’s a non-profit company that bases rates on your driving record rather than the non-driving factors many other companies use.

Your credit score, occupation, income level, and education level do not impact your CURE car insurance quotes. So what does? Read on to find out.

In this CURE car insurance review, we discuss average car insurance rates and compare financial ratings and customer reviews. We’ll evaluate the claims process and more to help you determine if CURE car insurance is right for you.

Read on to find out if you want to buy CURE car insurance. Bur first, enter your ZIP code into our free quote comparison tool above to see rates from the best companies in your region.

What is CURE Auto Insurance?

The CURE car insurance company is a non-profit company that sells insurance policies with rates based on your driving record.

The company regularly advocates banning what it considers discriminatory rating factors in the states where it operates.

You can buy CURE car insurance in Michigan, New Jersey, and Pennsylvania.

According to the website, the company offers lower-cost insurance policies to responsible drivers without factoring in unfair variables like credit scores, occupation, or education levels.

For example, your credit score impacts your car insurance rates in many states, even though it’s not a driving factor.

So safe drivers with clean records but poor credit may see cheaper quotes from this company than from other places that use credit scores as a variable.

However, higher-risk drivers or people with poor driving records may receive higher than average rates.

To request CURE car insurance quotes, visit the company website or call a CURE customer representative directly.

While there is no mobile app available from this company, there is a customer portal on the website. Locate the sign-in button based on the state where you live to create your CURE car insurance login.

There, you can view your policy documents, make changes to your account, pay your bill, and more.

This company provides multiple ways to make your CURE car insurance payment besides the customer portal.

You can pay by mail, phone, or using a third-party payment option available on the website. Service fees apply.

For coverage, you can purchase car insurance basics from CURE, including liability, comprehensive, and collision coverage.

You can also purchase personal injury protection (PIP) insurance and uninsured or underinsured motorist coverage.

All CURE policies come with roadside assistance available 24 hours a day, seven days a week, as a customer benefit.

It includes fuel deliveries, battery jump starts, locksmith services, tire changes, and towing services.

At this time, CURE does not sell any additional insurance products besides car insurance.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

What are the average CURE car insurance rates?

Unfortunately, CURE car insurance rates are not publicly available.

However, if you request a CURE quote, you can compare it to the national average and the average rates in the state where you live.

The national average cost of car insurance in 2018 was $99.16 per month or $1,190 annually.

The table below shows the average annual car insurance expenditures in the three states where CURE operates, according to data from the Insurance Information Institute (III).

Average Annual Car Insurance Expenditures by State
StateAverage Annual Car Insurance Expenditures
Michigan$1,469.73
New Jersey$1,385.61
Pennsylvania$991.23
Get Your Rates Quote Now

Compare RatesStart Now →

Keep in mind that many different variables impact your insurance rates, including your ZIP code, age, driving record, and even the type of car you drive.

Plus, CURE underwriters specifically consider your driving record more so than other potential cost factors.

So to truly discover the best company for you, compare quotes online from multiple insurance companies.

How do you file a CURE car insurance claim?

The only way to file a CURE car insurance claim is to call the 24-hour claims department. Unfortunately, some customers say the CURE claims process is slower than average.

But, for your convenience, the claims department is open seven days a week.

Once a CURE claims adjuster is assigned to your case, they’ll usually contact you within 24 business hours to help you navigate the claims process.

An appraiser also contacts you within 24 to 48 business hours after submitting your claim. They’ll schedule a time to assess the damage to your vehicle.

Depending on your policy details, the company sets up a rental car for you at this time if you’re eligible.

Once you get your repair estimate, you can either choose to fix the vehicle at a licensed auto body repair shop, use a CURE Direct Repair Shop, or take the payment to fix the car at your leisure.

You can search for Cure Direct Repair Shops near you directly on the company website.

Does CURE offer any car insurance discounts?

At this time, CURE does not advertise what car insurance discounts are available to customers.

However, customer reviews report that the company does offer stackable discounts in each state where it operates.

Some standard car insurance discounts you may earn from CURE include good driver, parking, multi-car, and garaging discounts.

Because car insurance laws vary depending on where you live, you should expect the discount options and savings amounts to vary by state.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

How do you cancel CURE car insurance?

You may cancel your CURE car insurance policy at any time. However, depending on where you live, a cancellation fee may apply.

If you cancel your coverage midway through your policy term, any unused premium is refunded to you within 60 days.

What are the CURE financial rankings and customer reviews?

Understanding an insurance company’s financial rankings and customer reviews helps you determine if the company is genuinely reliable before committing to an actual policy.

Unfortunately, CURE Insurance is not rated by A.M. Best or any other leading credit rating agency. However, it is registered as an admitted carrier in New Jersey.

Plus, CURE earned an A+ rating from the Better Business Bureau (BBB), despite not being accredited. This implies that the company interacts well with its customers.

Similarly, CURE earned a complaint index ratio of 1.19, according to the National Association of Insurance Commissioners (NAIC).

The complaint index median is always set to 1.00, and lower scores are better. So a 1.19 implies that while this company receives slightly more complaints than the median, it is not a cause for concern.

Online customer reviews for CURE tend to speak positively of the company’s affordable rates and kind staff.

But some customers complain about the slow claims process.

Overall, this company is ideal for people with clean driving records. It’s an especially good choice if you’ve  experienced rate hikes from other companies due to poor credit, your education level, or your occupation.

What is the history of CURE car insurance?

Headquartered in Princeton, CURE started in 1990 as a non-profit insurance company in response to an ailing market in New Jersey.

According to the company president, Eric Poe, New Jersey drivers paid the highest rates in the nation at that time.

But companies were also reluctant to write new policies due to low profitability and legislative restraints.

So the former New Jersey Insurance Commissioner, James Sheeran, and Dr. Lena Chang founded the Citizens United Reciprocal Exchange or CURE.

From the beginning, CURE advocated for fairer underwriting practices in the states where it operates and still believes only driving factors should contribute to car insurance costs.

In 2008, the company expanded into Pennsylvania. As of 2021, it also services Michigan drivers.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption

CURE Auto Insurance: The Bottom Line

Overall, safe drivers in New Jersey, Pennsylvania, or Michigan should consider adding CURE car insurance company to their comparison shopping list.

If you live in one of these states and have a perfect driving record but received higher than average quotes due to your credit score, education level, or occupation, then CURE Insurance may be an ideal match for you.

However, higher-risk individuals with poor driving records may need to look elsewhere for coverage. This company bases rates primarily on your driving history.

You’ve learned about affordable CURE car insurance, now secure the best coverage for you. Start by entering your ZIP code into our free rate comparison tool below to see rates from the best companies near you.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption