Is PURE Auto Insurance Good?
Last Updated on February 5, 2026
PURE (Privilege Underwriters Reciprocal Exchange) is a high-net-worth insurer that markets “luxury car” auto coverage through independent brokers. If your household owns multiple vehicles, travels frequently, and wants premium claims handling plus policy features built for higher-value cars, PURE is worth a look.
Important: Coverage options, limits, and eligibility rules vary by state. Your broker will confirm what’s available where you live and how the policy will be written for your vehicles.
Our Rating of PURE Insurance
4.1
out of 5
★★★★☆
Summary
Bottom line: PURE is best suited to financially successful households that want high-value policy features and service-forward claims handling, and are comfortable buying through an independent broker.
PURE (Privilege Underwriters Reciprocal Exchange) positions its auto coverage around premium claims support and features designed for higher-value vehicles, such as agreed value-style total-loss options, OEM parts for repairs, rental flexibility, and gap coverage (availability and terms vary by state). It’s typically purchased through independent brokers rather than instant online checkout, and eligibility can be more selective than mass-market carriers.
Best for
- High-net-worth households insuring multiple vehicles and other high-value assets
- Drivers who want premium repair/total-loss features like OEM parts and agreed value options (where available)
- People who prefer broker-led policy design and coordinated account coverage
Not ideal for
- Drivers shopping purely on price or for basic minimum coverage
- Anyone who wants instant online quotes and click-to-bind purchasing
- Applicants who may not meet specialty underwriting and eligibility requirements
- Our Rating of PURE Insurance
- PURE Auto Insurance At a Glance
- What Is PURE Insurance?
- Where PURE Auto Insurance Is Available
- Coverage Options and Standout Features
- Discounts and Ways To Save With PURE
- Claims Experience and Member Tools
- How To Get a Quote for PURE Auto Insurance
- Pros and Cons of PURE Auto Insurance
- How To Compare PURE With Other High-Value Auto Insurers
- Financial Strength and Regulatory Snapshot
- Bottom Line
- FAQs on PURE Auto Insurance
PURE Auto Insurance At a Glance
| Category | What To Know |
|---|---|
| Who It’s For | Financially successful households insuring multiple vehicles and other high-value assets. |
| Availability | PURE has announced national availability in all 50 states (eligibility still applies). |
| How To Buy | Typically through an independent broker (no “click-to-bind” instant online checkout). |
| Standout Policy Features | Agreed value option, OEM parts for repairs, rental coverage flexibility, gap coverage for loans/leases, and 24/7 towing (terms vary by state). |
| Claims Support | 24/7 claims reporting plus mobile tools to submit/track claims and access digital ID cards. |
| Financial Strength | AM Best has affirmed PURE’s Financial Strength Rating of A (Excellent) (check the most recent rating before you buy). |
What Is PURE Insurance?
PURE Insurance is the marketing name used for Privilege Underwriters Reciprocal Exchange (a policyholder-owned reciprocal insurer). Unlike a stock insurer, a reciprocal is structured around its members (policyholders), and the company emphasizes service, loss prevention, and claims support for households with more complex insurance needs.
If you want to verify the exact legal entity and licensing details in your state, you can cross-check the company name on your quote/policy against your state insurance department records (or NAIC consumer tools).
Where PURE Auto Insurance Is Available
PURE has publicly announced it completed expansion to serve members nationwide, including all 50 states. In practice, “available” doesn’t mean “everyone qualifies”—this is specialty, high-value insurance, and underwriting will be more selective than mass-market carriers.
Helpful links: PURE announcement on national expansion • NAIC company search tools
Coverage Options and Standout Features
PURE’s auto coverage is designed to be customizable and to address common pain points for higher-value vehicles: total-loss valuation, repair-part quality, travel/rental flexibility, and hands-on claims coordination.
Notable Features PURE Highlights
| Feature | Why It Matters | Fine Print To Ask Your Broker |
|---|---|---|
| Agreed Value (Total Loss) | PURE states it can pay the higher of the agreed value on your policy or the vehicle’s actual cash value for a total loss, with no deductible (state and vehicle rules apply). | Which vehicles qualify, how value is documented, and how often values should be reviewed. |
| OEM Parts for Repairs | PURE indicates it will pay for original equipment manufacturer (OEM) parts for covered repairs. | How this applies to specialty/rare models and how “glass” claims are handled in your state. |
| Rental Flexibility (Worldwide) | PURE describes coverage for renting/borrowing a vehicle for up to 90 days, and it may help arrange a rental while your vehicle is being repaired. | Whether comp/collision is required on at least one vehicle to qualify and how foreign insurance requirements affect coverage. |
| Transportation Expenses | PURE describes help with certain travel-related expenses if a covered collision happens 50+ miles from home and the vehicle can’t be driven. | Whether a dollar cap applies in your state (some states cap this benefit). |
| Loan & Lease Payoff (Gap) | PURE describes gap coverage that can help with the remaining balance after a total loss. | What’s excluded (e.g., overdue payments, mileage penalties, carry-over balances). |
| 24/7 Towing & Optional Roadside | PURE describes towing after a covered accident and optional roadside services (lockout, breakdown, tire change, etc.). | Whether roadside is limited to private passenger vehicles and how service is delivered where you live/travel. |
Quick tip: If your vehicles are registered in more than one state, ask whether you’ll need separate policies. Also, confirm whether certain benefits (like rental flexibility) require comp and collision on at least one vehicle.
Discounts and Ways To Save With PURE
PURE positions its auto pricing around “responsible driver” behaviors and household risk. While exact discounts vary by state and underwriting, PURE commonly references savings opportunities like:
- More Cars Than Drivers: A household with more vehicles than drivers may present different usage patterns than a one-car-per-driver household.
- Student Away at College: Some carriers offer pricing considerations when a student’s vehicle is kept at home while they’re away.
- Safe Driving History: Prior loss/violation history and overall driver profile can materially impact premium.
- Account-Level Efficiency: High-net-worth insurance is often designed as a coordinated account (auto + home + liability), which may influence pricing and coverage design.
Because PURE is typically sold through brokers, your best “discount” is often making sure your policy is structured correctly—right limits, correct drivers, accurate vehicle usage, and an umbrella/excess layer that matches your assets.
Claims Experience and Member Tools
PURE emphasizes proactive, concierge-style claims handling. The company describes 24/7 claims reporting and a model where you may speak with a licensed claims adjuster early in the process (often called a Member Advocate) who can help coordinate repairs, rentals, and other services.
PURE also offers a mobile app that highlights practical features like submitting/tracking claims, paying bills, and accessing digital auto ID cards.
Quick tip: For high-value cars, review your agreed value (if used) at renewal, keep photos/records of upgrades, and confirm how OEM parts and glass claims are handled where your vehicle is garaged.
How To Get a Quote for PURE Auto Insurance
PURE generally routes consumers through independent brokers and a membership-style onboarding process. If you’re exploring PURE, here’s the smoothest path:
- Start with a broker who writes high-value accounts. Use PURE’s broker finder to locate an approved broker in your area.
- Prepare account details. Drivers, vehicles, garaging addresses, prior insurance, claims/loss history, and any specialty needs (collector vehicles, higher liability limits, frequent rentals/travel).
- Request an account-level review. Many high-net-worth households benefit from coordinating auto with home and personal excess liability (umbrella) for fewer gaps and cleaner claims handling.
- Review policy terms in writing. Pay attention to valuation terms, repair parts, rental/travel rules, and any state-specific limitations.
Start here: Find a PURE broker • Request a quote
Pros and Cons of PURE Auto Insurance
| Pros | Cons |
|---|---|
| Policy features tailored to higher-value vehicles (e.g., agreed value approach and OEM parts for repairs). | Not designed for every driver; eligibility and underwriting may be more selective than mass-market carriers. |
| Broker-driven guidance can help structure complex accounts (multiple homes, vehicles, drivers, and liability needs). | Less “instant online” shopping—quotes typically involve broker interaction and account review. |
| Emphasis on claims support, service coordination, and member tools (app, claims reporting, ID cards). | Some benefits have state-by-state limitations or caps, so you must confirm details for your location. |
| Strong third-party financial strength indicators (verify the most current ratings before purchasing). | May be priced above standard carriers for drivers who don’t need high-value features. |
How To Compare PURE With Other High-Value Auto Insurers
PURE is one option in the high-net-worth space. To compare intelligently, focus less on “cheap” and more on coverage quality, claims handling, and how the policy responds for the cars you actually own.
| Comparison Item | What To Ask |
|---|---|
| Total-Loss Valuation | Do you have agreed value? How is the value documented and updated? |
| Repair Standards | Are OEM parts used? Are there any exceptions (especially for glass)? |
| Rental/Travel Use | How long are rentals covered? How do international rentals work? |
| Liability and UM/UIM | Do your limits match your assets and lifestyle? Can your umbrella coordinate cleanly with auto? |
| Claims Handling | Do you get a single point of contact? Can they coordinate specialty repairs and rentals? |
| State-Specific Limitations | Are any benefits capped or restricted in your state? |
Financial Strength and Regulatory Snapshot
Before choosing any insurer—especially for high limits—verify financial strength ratings and licensing details. PURE points to AM Best ratings and publishes financial strength information. You can also confirm the exact company name and NAIC information through state insurance department directories.
- AM Best press release on PURE ratings
- PURE financial strength page
- Example state directory listing (NY DFS)
Bottom Line
PURE auto insurance can be a strong fit if you want high-value coverage features (like agreed value and OEM repair standards), coordinated account design, and service-forward claims handling. If you’re a typical driver shopping purely on price or prefer instant online buying, PURE may feel like more process than you want.
Either way, get a broker-led comparison with matching limits and deductibles, then decide based on coverage quality, claims confidence, and how well the policy fits your vehicles and lifestyle.
