Is CURE Auto Insurance Good?

Last Updated on January 7, 2026

If you live in New Jersey, Michigan, or Pennsylvania and are shopping for car insurance, CURE may be on your list. CURE (Citizens United Reciprocal Exchange) is a regional insurer that markets itself as pricing policies primarily based on your driving record—not factors like credit score, education, or occupation.

That approach can be appealing if you have a strong driving history (or if you’ve been frustrated by insurers that heavily weigh credit or other non-driving factors). But CURE is also a smaller carrier with more limited coverage “extras” than many national insurers. Here’s what to know before you buy.

About CURE Auto Insurance

CURE is a reciprocal exchange headquartered in Princeton, New Jersey. It currently sells auto insurance in New Jersey, Pennsylvania, and Michigan. CURE’s core pitch is simple: it focuses mostly on your driving record when pricing your policy and does not use certain socioeconomic rating factors (like education, occupation, or credit score) that many insurers consider.

Who CURE Is Best For

CURE tends to be the best fit for drivers who:

• Have a clean driving record (few or no tickets/accidents)
• Want pricing that’s less dependent on credit and other non-driving factors (CURE generally does not look at credit scores)
• Live in NJ, PA, or MI and want a straightforward policy without a long menu of add-ons

If you have recent accidents, tickets, or lapses in coverage, CURE may be less competitive—its best pricing is typically aimed at strong driving histories.

What Types of Car Insurance Does CURE Offer?

CURE’s coverage lineup is generally more “core coverage” than “bells and whistles.” Availability and details vary by state, but you can typically expect the standard building blocks:

• Liability coverage (bodily injury and property damage)
• Personal Injury Protection (PIP) (especially important in no-fault states like New Jersey and Michigan)
• Comprehensive and collision (optional, but often required if you finance/lease)
• Uninsured/underinsured motorist coverage (varies by state requirements and selections)

Like most insurers, CURE lets you adjust coverage limits to increase or decrease your protection (and premium). Where CURE is typically lighter than big national carriers is in specialty add-ons and customization options.

Roadside Assistance and Towing

CURE advertises roadside assistance with its policies. Roadside details can vary by state, but typical services include towing, tire changes, fuel delivery, lockout/locksmith service, and battery jump-starts.

If you want a deeper explanation of what roadside assistance usually covers (and what it doesn’t), see our roadside assistance guide.

CURE Auto Insurance Discounts

CURE’s discount lineup is smaller than some national insurers, but it still offers several meaningful ways to save—especially if you’re already a low-risk driver.

Common discounts you may see from CURE include:

• Good driver discount: the biggest potential savings, tied to clean driving history (learn how these generally work: good driver discounts)
• Good student discount for qualifying students
• Multi-vehicle discount for insuring more than one car
• Off-street/garage parking discount for certain comprehensive/collision customers (see: is insurance cheaper when you park in a garage?)
• Low-mileage discount for drivers who don’t put many miles on the car
• Referral rewards (where available)

Discount availability can vary by state and policy setup, so confirm what applies when you quote.

What Is CURE’s Pricing Like?

CURE is often competitive for drivers with excellent records—especially for people who feel penalized by credit-based pricing at other insurers. But pricing can still vary widely by state, ZIP code, vehicle type, and coverage level. The only way to know is to compare quotes with the same limits and deductibles.

Customer Experience and Claims

CURE offers online account access for tasks like payments and documents, and it also has a mobile app for common policy actions. Claims support is available 24/7, and policyholders can report a claim online or by phone.

If you ever need to file after a crash, follow best practices (photos, witness info, police report details, and prompt reporting). Here’s our step-by-step guide on the proper way to file an insurance claim.

Financial Strength and Third-Party Ratings

When comparing insurers, look for independent signals like financial strength ratings and complaint trends. CURE is a smaller regional carrier and is not always covered by the same major studies that rate the largest national insurers. If you’re new to financial strength ratings, here’s how to interpret AM Best ratings when they’re available.

Pros and Cons of CURE

FAQs on CURE Auto Insurance

Bottom Line: Is CURE Worth It?

If you live in New Jersey, Michigan, or Pennsylvania and you have an excellent driving record, CURE may be worth quoting—especially if you want pricing that’s less dependent on credit and similar factors.

Still, always compare quotes from multiple insurers. Rates can vary significantly even with the same driver and the same coverage limits, so shopping around is the best way to find the right price-to-coverage fit.