Is CURE Auto Insurance Good?

Last Updated on April 28, 2023

If you live in New Jersey, Michigan, or Pennsylvania and are looking for car insurance, you may consider CURE a possible option. CURE is an auto insurance agency specializing in providing policies to those with excellent driving histories, regardless of their financial status or other demographic information. With so many different insurance companies on the market, it can be challenging to determine which one will best fit your needs. Here’s what you need to know about CURE before you purchase your policy.

Key Takeaways:

  1. CURE is an auto insurance agency specializing in providing policies to those with excellent driving histories, regardless of their financial status or other demographic information.
  2. CURE only looks at your driving record without considering any other factors when determining the cost of your car insurance.
  3. CURE offers basic car insurance coverage that includes liability coverage, coverage for property damage, personal injury protection, and medical payments, but there are not many ways to customize the policy.
  4. CURE offers discounts for good drivers, multi-car policies, and those who do not park on the street. Their rates are affordable for those with poor credit scores or low income. CURE has a good complaint ratio but is not rated by AM Best.

About CURE Auto Insurance

Citizens United Reciprocal Exchange (CURE) is an auto insurance company based in the Princeton, NJ, area. They offer car insurance policies in New Jersey, Michigan, and Pennsylvania. CURE is unique in the way they approach their car insurance policies. Most other insurers will consider a variety of different factors when determining your overall premium cost, including the type of car you drive, your credit score, and even seemingly unrelated factors like whether or not you own a home or whether you are married. When CURE determines the cost of your car insurance, they only look at your driving record without considering any other factors. CURE’s unique not-for-profit model is designed to benefit the consumer by providing affordable pricing.

What Types of Car Insurance Does CURE Offer?

One of the areas where CURE doesn’t perform as well is its policy options. While they offer the basic coverage types you need to stay safe and meet legal requirements, they don’t offer many ways to customize your policy. They have a basic car insurance package, which provides the required liability coverage and coverage for property damage, personal injury protection, and medical payments. These types of coverage are designed to cover any expenses you are found liable for if you are at fault in an accident. They will also cover the cost of you or your passengers’ medical expenses if you are injured in an accident.

CURE allows you to customize your coverage levels to a certain degree so that you can pay more for increased financial coverage. CURE also allows you to add comprehensive and collision coverage for further protection. Collision coverage pays for damage to your car as the result of any collision, whether with another vehicle or a single-car collision. Comprehensive coverage pays for damages that happen due to severe weather, vandalism, or any other damage that does not result from a collision.

Additionally, CURE offers towing coverage and a full roadside assistance program. Their roadside assistance is available 24/7 in New Jersey and Pennsylvania. Their roadside assistance program offers several different services, including towing to the nearest repair center, tire changes, fuel delivery, locksmith services, and battery jumps.

What Types of Discounts Does CURE Offer?

CURE offers a few different types of discounts for its customers. When shopping for any kind of car insurance, you should ask about discounts to ensure you’re getting the best deal possible. One of the biggest discounts that CURE offers is its good driver discount. You can save as much as 35% by having an excellent driving record, and that discount can increase over time if you keep a clean record and remain a CURE customer. You can also get discounts on your comprehensive and collision coverage if you do not park your car on the street, with an even bigger discount for keeping your car parked in a secure garage. You can also earn a discount for insuring multiple vehicles on one policy.

Here is an overview of the discounts offered by CURE:

Discount TypeDiscount Amount
3-Year good driver discount35% off
5-Year good driver discount40% off
Multi-vehicle discount15% off collision coverage
Parking discount15% if you park off-street
50% if you park in a garage
Loyalty discount40% off (if you are a good driver and have been CURE policyholder for 2+ years)

What Is CURE’s Pricing Like?

CURE offers affordable car insurance coverage. While they aren’t always the cheapest, their rates are comparable to larger national insurers. CURE’s rates are most affordable for young, single customers and older married couples. CURE is also great for drivers with poor or low credit scores because they do not look at credit scores, education, or income when determining your rates.

CURE Customer Satisfaction

CURE has a relatively good complaint ratio, meaning they get fewer than average complaints per policies written. Their NAIC complaint index is 0.97, which is slightly better than average. However, they receive complaints about long processing times for their claims.

CURE also has an A+ rating from the Better Business Bureau, which is good to see from a customer satisfaction standpoint. However, they are not rated by AM Best, an agency that rates insurance companies and other financial institutions on their financial security. This means we don’t know how financially secure CURE would be during an economic downturn.

CURE makes it easy to manage various aspects of your policy online. You can get a quote online fairly quickly and save quotes if you want to return to them later. It’s also very easy to pay your insurance bill online. However, they do not have a phone app, and you cannot report a claim online. To file a claim, you need to call their customer service number, which is accessible 24/7. Some aspects of CURE’s claims are handled by a partner organization, which can slow down the processing time.

Here is an overview of CURE’s ratings from various insurer rating agencies:

AM BestN/A
Better Business Bureau (BBB)A+
JD Power and AssociatesN/A
Credit Karma2/5
Complaint Ratio per Vehicle1 / 53,759 (Better than Average)

Advantages of CURE

The biggest advantage of using CURE for car insurance is that they offer reasonably priced policies based entirely on your driving record. If you don’t have any accidents or infractions in your past, you can save money with CURE.

Disadvantages of CURE

The biggest disadvantage of CURE is that their policies are much more expensive for those who do not have clean driving records. They are only available in New Jersey, Michigan, and Pennsylvania and don’t offer many customized options.

If you live in New Jersey, Michigan, or Pennsylvania and have a good driving record, CURE may be the right option for you when it comes to your car insurance policy. They offer reasonable pricing and don’t discriminate based on other demographic factors. When shopping for car insurance, you should always get quotes from several companies and compare your options. Since every company has their own process for determining premiums, insurance rates can vary widely. Shopping around is the best way to get good value for money.

Frequently Asked Questions

Our Rating of CURE Auto Insurance

CURE Auto Insurance is a unique auto insurance company that only looks at your driving record without considering any other factors when determining your car insurance premium. They offer a few types of car insurance coverage, discounts, and generally affordable rates. Still, their policies are limited to New Jersey, Michigan, and Pennsylvania and don’t offer many customized options.

Coverage Options
Financial Stability
Discount Availability
Customer Service


CURE Auto Insurance aims to provide fair rates to nontraditional and high-risk candidates. Still, its claims process, coverage selection, and customer service fall short, leaving a negative impression on policyholders. However, CURE may still be a suitable option for drivers in Michigan, New Jersey, and Pennsylvania with poor credit records. Our comprehensive evaluation of CURE Auto Insurance gives it an overall rating of 3.1 out of 5.0.

CURE Company Info
Company Address214 Carnegie Center, Suite 301
Princeton, NJ 08540
Phone Number1(800)535-2873
Website URL
HoursMonday-Friday: 8:00 a.m. – 7:00 p.m.
Saturday: 9:30 a.m. – 4:00 p.m.
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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