Is CURE Auto Insurance Good?

Last Updated on October 22, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 22, 2026 · How we fact-check

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 at 214 Carnegie Center, Suite 301 in Princeton, New Jersey. It sells auto insurance in New Jersey, Pennsylvania, and Michigan. It was founded in the 1980s, during New Jersey’s car insurance crisis, and its NAIC company code is 37028 in all three states. CURE’s pitch is blunter than most: it says it has “never used education, occupation or required credit checks to determine car insurance rates” and prices policies “primarily on their driving record.” Elsewhere it says it refuses to adopt what it calls discriminatory income rating factors like education and occupation.

If you need to reach CURE, customer service is 800-535-2873, claims is 800-229-9151, and roadside assistance is 866-522-1991 around the clock. CURE doesn’t publish a customer service email address.

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 says 24/7 roadside assistance comes with every policy, at no extra charge. What it doesn’t do is publish any detail. Its roadside page is one sentence and a phone number: no list of services, no towing mileage, no dollar cap and no limit on how many times you can call. Roadside plans generally cover towing, tire changes, fuel delivery, lockout service and battery jump-starts, but ask CURE for the limits in your state before you count on any of it.

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 small, and it publishes no percentages. There is no discounts page on cure.com at all. The three discounts CURE names on its own site are:

• Good driver discount, tied to a clean driving history (learn how these generally work: good driver discounts)
• Good student discount for qualifying students
• Multi-car discount for insuring more than one car

Three more discounts get attached to CURE’s name around the web, but CURE doesn’t publish any of them. Ask about them by name when you quote, and don’t assume they exist:

• 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 ask which ones were applied to your quote and what proof CURE wants.

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.

The Better Business Bureau record is the one public signal that is easy to look up, and it is not flattering. BBB rates CURE F, CURE is not a BBB accredited business, and the profile reports 223 complaints in the last three years with 57 closed in the last 12 months. BBB lists the reasons for the grade as the volume of complaints filed against the business and 17 of them that were not resolved. Those figures were read on October 4, 2026, and there is no BBB alert on the profile.

A low BBB grade is not a regulator’s finding, and nothing here says CURE has done anything unlawful. It is a signal to read the complaint texts and see which problems repeat. For the official picture, CURE’s NAIC code is 37028, which you can use to pull its complaint record from the NAIC’s consumer tool or from the insurance department in New Jersey, Pennsylvania or Michigan. Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 5.76 for Citizens United Reciprocal Exchange, based on 165 confirmed complaints. An index of 1.00 is what a company of its size would be expected to draw, so CURE drew close to six times as many.

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. My advice is to read the BBB complaints for CURE before you switch, not after. If the problems people describe are ones you could live with, the price may well be worth it.

Sources

Checked October 19, 2026

• CURE — Home Page
• CURE — Why CURE
• CURE — Roadside Assistance
• CURE — NAIC Codes
• Better Business Bureau — CURE Auto Insurance Profile, October 4, 2026
• CURE — Contact Us
• National Association of Insurance Commissioners — Consumer Insurance Search, Private Passenger Auto Complaints 2023-2025, October 14, 2026