Cure Auto Insurance Reviews
Cure Auto Insurance is only available in Michigan, New Jersey, or Pennsylvania and offers affordable car insurance rates for drivers with poor credit.
Find out if you’re paying too much for auto insurance here.
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Key Points:
- Cure Auto Insurance has a reputation for offering premiums at cheaper-than-average prices.
- The insurance company is better for drivers with bad credit scores but not for car owners with high-risk driving records.
- Cure is only available in Michigan, New Jersey, and Pennsylvania. It doesn’t offer many unique coverage opportunities beyond the six standard types of car insurance.
- Cure has a steady mix of positive and negative reviews.
Cure Auto Insurance is only available in three states. However, if you’re a Michigan, New Jersey, or Pennsylvania resident with a poor credit score or other factors that make it hard to get reasonable insurance rates, Cure Auto Insurance could be right for you.
In this article, we’ll take a look at Cure auto insurance reviews, coverage, discounts, and more. We’ve ranked the best car insurance companies in the insurance industry based on factors like financial strength, reputation, customer satisfaction, pricing, and coverage options.
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Cure Auto Insurance Review
Cure Auto Insurance earned a 3.8 out of 5.0 stars from our review team, primarily for the company’s poor performances in our coverage and availability categories. Cure Auto Insurance also offers a low number of discounts compared to many of the top providers in our industry research at just nine.
Cure Auto Insurance Ratings
See how Cure Auto Insurance scored in each of our rating categories below:
| Overall Rating | 3.8 |
|---|---|
| Reliability | 4.1 |
| Availability | 3.7 |
| Coverage | 3.8 |
| Cost | 3.7 |
| Service | 3.8 |
| Technology | 4.0 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Cure Auto Insurance’s overall score falls short of the industry-wide average for providers in our research rankings, which is 4.0.
Is Cure Auto Insurance Good?
Cure Auto Insurance indicates it doesn’t use credit scores, occupation, or educational background as determining factors for customer auto insurance rates. This means customers with poor credit may find low rates with the company. However, Cure Auto Insurance only serves drivers in three states, and the company’s limited discount options mean many drivers will likely find more affordable and flexible coverage elsewhere.
Below, you’ll find some of the benefits and drawbacks of Cure Auto Insurance that our team noted during our research:
Cure Auto Insurance Company Overview
Available in: Three states, including Michigan, New Jersey, and Pennsylvania
Headquarters: Princeton, NJ
Founded in: 1990
Coverage: Auto insurance
Cure stands for Citizens United Reciprocal Exchange and is known as Cure Auto Insurance, a nonprofit company that began in June 1990, according to the Better Business Bureau (BBB).
How Does Cure Auto Insurance Stand Out?
Cure Auto Insurance was founded with the express purpose of providing favorable car insurance rates to drivers who may not be the most appealing to other insurance companies. Drivers may be less desirable to insurers if they have jobs that require driving often, are not homeowners, or have a low credit score.
To counteract this, Cure bases the cost of its premiums primarily on a motorist’s driving record, thus rewarding safe drivers with reasonable rates even if they don’t meet the traditional criteria for low insurance premiums.
Cure Auto Insurance Industry Reviews
Cure Auto Insurance currently holds an A rating from the Better Business Bureau (BBB). The company is not accredited by BBB despite having an active profile with the organization since 1999.
Cure Auto Insurance Customer Reviews
Cure Auto Insurance has mixed feedback on multiple online customer review platforms. The company holds a rating of 3.5 out of a possible 5.0 stars from almost 3,000 responses on Google Reviews. 31 customer reviews on the BBB average a rating of 1.0 out of 5.0 stars.
Positive reviews across platforms praise Cure’s straightforward, simple claims process and affordability. Customer complaints cite issues with claims representative communication and service.
Cure Auto Insurance Reviews: J.D. Power
Cure Auto Insurance is considered a small insurance company and only serves customers in three states. For this reason, the company isn’t included in any J.D. Power customer or claims satisfaction studies.
NAIC Complaints: Cure Auto Insurance
According to the National Association of Insurance Commissioners (NAIC), Cure reportedly has a complaint index rating of 5.75, which indicates that the company gets more than five times the average amount of complaints that other companies get nationwide.
Cure Auto Insurance Coverage
Cure Auto Insurance offers the standard six types of coverage:
- Liability (BI/PD): This insurance policy covers you against damages to other people and their property. It is made up of bodily injury liability and property damage liability.
- Collision: This covers the cost of damages to your car if you collide with another vehicle or an object.
- Comprehensive: This covers you against any other damages to your vehicle that aren’t due to a collision. Comprehensive insurance covers damages due to incidents such as theft, vandalism, natural disasters, and civil disturbances.
- Medical payments (MedPay): This covers the costs of vehicle-related medical treatments for both yourself and your passengers, regardless of whether you or another driver is at fault in an accident.
- Personal injury protection (PIP): This covers medical treatment and other injury-related losses, such as lost wages from days you were unable to work.
- Uninsured/underinsured motorist (UM/UIM): This protects you in case you get into an accident with a motorist who doesn’t have sufficient insurance and consequently can’t cover your expenses.
Cure Auto Insurance Add-Ons And Benefits
Some auto insurance policies come with a number of benefits and optional add-ons to accompany insurance coverage, like roadside assistance, accident forgiveness, rental car reimbursement, gap insurance, and trip interruption coverage. Cure auto insurance coverage comes with roadside assistance, and customers can add extended transportation coverage for a fee.
- Extended transportation expense coverage: This optional, add-on coverage helps you arrange alternative transportation when your car is in the shop for repairs.
- Roadside assistance coverage: Cure’s roadside assistance comes with all policies and includes towing to the nearest repair facility, battery jump-starts, fuel deliveries, and lockout assistance. Services are limited to two claims per six months, and will cover up to $125 per claim.
What Cure Auto Insurance Is Missing
As mentioned, one of the reasons our reviews team has given Cure a mediocre coverage rating is that Cure doesn’t offer add-on coverages typically found with other prominent insurance companies, such as:
- Accident forgiveness: If you get into an accident, some car insurance providers will keep your rates the same with an accident forgiveness program.
- Rideshare coverage: If you use your car to drive customers or delivery goods around, rideshare insurance takes care of the coverage gaps found with companies like Uber.
- New car replacement coverage: With this insurance, if your car is totaled, you get back enough money to pay for the same or a similar car model replacement.
- Gap insurance: Many auto insurance companies will pay back what you still owe on a loan after your depreciated car is totaled–but not Cure Auto Insurance.
- Diminishing deductible benefits: The longer you go without an accident, the smaller your deductible amount will be without affecting your premiums with some insurance providers.
- Original parts replacement coverage: With this, your insurer would guarantee that original factory-made parts replaced any damaged parts in your car after an accident.
Other companies that are limited to a small number of states, like Cure, offer multiple add-on coverages or special benefits programs. Erie Insurance, for example, is only available in 12 states but offers rideshare coverage, diminishing deductibles, and new car protection.
Cure Auto Insurance Cost
Our research team has gathered average costs for insurance policies based on several different factors. Our base profile for research is that of an unmarried, male 30-year-old driver with a 2020 Honda CR-V, good credit and a clean driving record.
Our research shows drivers pay a national average of $1,968 annually for full-coverage car insurance. A full-coverage car insurance policy typically includes a sufficient amount of liability coverage, collision coverage, and comprehensive insurance.
Here are the average full-coverage rates for the only states that Cure Auto Insurance is available in:
| State | Monthly Average | Yearly Average |
|---|---|---|
| New Jersey | $198 | $2,380 |
| Michigan | $282 | $3,384 |
| Pennsylvania | $284 | $3,402 |
Cure has a reputation for boasting cheaper full-coverage auto insurance rates, meaning many policyholders may pay less than the above rates.
Full-Coverage Car Insurance Cost Comparison
Full coverage includes liability, collision, and comprehensive coverages. While we can’t provide full-coverage car insurance costs for Cure, you can compare the full-coverage rates among the nation’s biggest auto insurance companies.
| Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Auto-Owners Insurance | $117 | $1,404 |
| USAA | $123 | $1,476 |
| Geico | $131 | $1,572 |
| Travelers | $135 | $1,615 |
| Nationwide | $139 | $1,674 |
| Erie Insurance | $140 | $1,680 |
| State Farm | $140 | $1,680 |
| Progressive | $151 | $1,809 |
| Allstate | $210 | $2,520 |
| Farmers | $222 | $2,660 |
Minimum-Coverage Car Insurance Cost Comparison
A minimum-coverage car insurance policy only has the lowest amounts of state-mandated liability coverage and any other state-required car insurance types. (New Hampshire and Virginia don’t have state-mandated minimums.) This type of insurance is best for good drivers who can afford to handle repairs out-of-pocket. Here are the average national costs for minimum-coverage car insurance by popular providers:
| Car Insurance Provider | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Auto-Owners | $38 | $457 |
| USAA | $42 | $509 |
| Geico | $55 | $655 |
| Travelers | $67 | $806 |
| Nationwide | $64 | $770 |
| Erie Insurance | $53 | $642 |
| State Farm | $57 | $684 |
| Progressive | $67 | $799 |
| Allstate | $86 | $1,036 |
| Farmers | $102 | $1,222 |
Cure Car Insurance Rates By Driving Profile
Cure Auto Insurance relies more on your driving history than other factors when determining your rates. Cure may not be your ideal company if you have any recent at-fault accidents, DUIs, or speeding tickets.
Here are the average national full coverage rates for drivers who have committed different traffic violations or gotten into road accidents:
| Driving Profile | National Average
Monthly Cost Estimate | National Average
Annual Cost Estimate |
|---|---|---|
| Recent accident | $238 | $2,854 |
| Recent speeding ticket | $204 | $2,450 |
| DUI | $286 | $3,430 |
Michigan High-Risk Drivers: Full-Coverage Car Insurance Rates
Michigan is already a state with some of the highest car insurance rates in the country. While Cure reportedly offers cheaper coverage, if you’re a Michigan driver who would be deemed a high risk by insurance companies, it may be better to steer clear of Cure Auto Insurance.
Here are some annual, full-coverage auto insurance quotes for 30-year-old male drivers who received different traffic violations in the state of Michigan:
| Car Insurance Company | Clean Record And
Good Credit | Speeding
Ticket | DUI | One Accident |
|---|---|---|---|---|
| Auto-Owners | $1,835 | $2,894 | $4,393 | $3,041 |
| Farmers | $6,228 | $8,341 | $8,468 | $8,940 |
| Michigan Farm Bureau | $3,560 | $5,773 | $9,105 | $6,146 |
| Progressive | $1,754 | $2,098 | $2,031 | $2,353 |
| State Farm | $3,777 | $6,240 | $9,407 | $6,475 |
New Jersey High-Risk Drivers: Full-Coverage Car Insurance Rates
Here are the average full-coverage prices for 30-year-old male New Jersey drivers with different traffic violations in recent years:
| Car Insurance Company | Clean Record And
Good Credit | Speeding
Ticket | DUI | One Accident |
|---|---|---|---|---|
| Allstate | $1,871 | $2,238 | $2,631 | $4,182 |
| Geico | $1,523 | $1,523 | $3,119 | $2,151 |
| Progressive | $1,714 | $2,178 | $1,974 | $2,670 |
| State Farm | $2,076 | $3,618 | $8,105 | $3,412 |
| Travelers | $1,637 | $2,099 | $2,464 | $2,658 |
Pennsylvania High-Risk Drivers: Full-Coverage Car Insurance Rates
Here are the average full-coverage prices for 30-year-old male Pennsylvanian drivers with different traffic violations in recent years:
| Car Insurance Company | Clean Record And
Good Credit | Speeding
Ticket | DUI | One Accident |
|---|---|---|---|---|
| Allstate | $4,918 | N/A* | $5,638 | $7,077 |
| Erie Insurance | $2,422 | $2,728 | $4,042 | $3,386 |
| Geico | $4,990 | $7,289 | $8,193 | $7,894 |
| State Farm | $2,713 | $2,906 | $2,906 | $3,149 |
| Progressive | $3,373 | N/A* | $4,185 | $5,032 |
*This cost data is unavailable from these providers.
Car Insurance Rate Comparison For 16-Year-Olds
Here’s how costs for 16-year-old drivers compare from top car insurance providers:
| Car Insurance Company | Annual Rate Average | Monthly Rate Average |
|---|---|---|
| Erie Insurance | $5,163 | $430 |
| Auto-Owners | $4,656 | $388 |
| State Farm | $6,289 | $524 |
| Geico | $5,745 | $479 |
| Nationwide | $6,541 | $545 |
| USAA | $6,611 | $551 |
| Travelers | $9,004 | $750 |
| Allstate | $11,072 | $923 |
Car Insurance Rate Comparison For 20-Year-Olds
Here’s how rates for 20-year-olds compare from different providers:
| Car Insurance Company | Annual Rate Average | Monthly Rate Average |
|---|---|---|
| USAA | $2,832 | $236 |
| Geico | $3,061 | $255 |
| Auto-Owners | $3,006 | $250 |
| Erie Insurance | $3,394 | $283 |
| Nationwide | $4,154 | $346 |
| State Farm | $3,748 | $312 |
| Travelers | $3,403 | $284 |
| Progressive | $3,893 | $324 |
| Farmers | $5,835 | $486 |
| Allstate | $4,769 | $397 |
Cure Auto Insurance Discounts
Our research shows that Cure Auto Insurance claims to not use credit, education, or occupation as part of its rate calculation process.
Most insurance companies offer discounts to lower premium costs. Cure doesn’t publish these discounts on its website so you’ll likely need to contact the company to determine what discounts apply to you. However, the company strictly offers auto insurance, so you can’t get Cure Auto Insurance discounts for bundling life insurance, renters insurance, or other types of policies.
Factors That Affect Cure Auto Insurance Rates
With Cure Auto Insurance, it’s difficult to know exactly how much an insurance package may cost because several factors can affect your rate, such as:
- Age: If you’re in your teens or early twenties, you’ll likely receive a higher-than-average premium for your Cure auto insurance.
- Vehicle: Newer vehicles or luxury cars will cost more to fix and are more likely to be stolen, so they’ll cost more to insure.
- Location: If you live in a more populated area, Cure Auto Insurance may think you’re more at risk of getting in a car accident, so rates will likely be higher.
- Driving record: If you’ve had multiple speeding tickets or recent DUIs, you can count on most insurers to charge higher rates.
- Chosen deductible: The higher your deductible is, the lower your premium will be.
- Recent claims history: If you’ve gotten into any at-fault accidents within the last three to five years, your rates are more likely to be higher than average.
Cure Auto Insurance Reviews: Our Take
Cure Auto Insurance has a laudable goal, but its filing process is lacking, according to some policyholders. Cure may still be a good choice for Michigan, New Jersey, and Pennsylvania motorists with poor credit.
Overall, Cure aims to offer fair rates to nontraditional candidates, but it falls short on the claims process, its coverage selection, and its customer service. We recommend getting quotes from other top providers so you can find the best coverage for the best price.
Other Recommended Car Insurance Companies
If you feel that Cure offers excellent rates but you want better coverage or service, our reviews team recommends two companies: State Farm and USAA. Both companies have long histories of providing fantastic coverage at competitive rates and with great customer satisfaction.
State Farm: 4.7 Stars, Best Overall Provider
State Farm is one of the premier auto insurance companies in the U.S. and our top choice for drivers of all backgrounds. The company offers standard coverage options on top of unique policies like classic car and sports car insurance.
State Farm is one of the top providers for young drivers due to its student discounts. This includes its Steer Clear® program, which rewards drivers under 25 years old with a lower premium when they complete a State Farm-approved driver safety course.
Read more: State Farm insurance reviews
USAA: 4.5 Stars, Best For Military Members
We consistently found that USAA had the cheapest average insurance policy costs out of every provider we reviewed–even for drivers with poor credit. On top of standard coverage options, USAA offers rental reimbursement coverage, roadside assistance, accident forgiveness, and more.
USAA has many discounts for good students, drivers who get new cars, those who have low mileage, and policyholders who set up automatic payments. However, USAA auto insurance is only available to military service members and their families.
Read more: USAA insurance reviews
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Cure Auto Insurance: FAQ
Below are some of the most frequently asked questions about Cure Auto Insurance:
Is Cure Auto Insurance a legitimate company?
Yes, Cure Auto Insurance is a legitimate company in Michigan, New Jersey, and Pennsylvania. According to the BBB, Cure Auto Insurance launched June 1, 1990. The company has a licensing number from the NAIC, which was issued by the State Department of Banking and Insurance.
Is Cure Auto Insurance available in Michigan?
Yes, Cure Auto Insurance is available to drivers in Michigan.
What does cure mean in car insurance?
Cure Auto Insurance is a car insurance company operating in Michigan, New Jersey, and Pennsylvania. Cure is the company’s acronym for Citizens United Reciprocal Exchange.
Does Cure Auto Insurance Cover Rideshare Drivers?
Cure Auto Insurance does not offer any rideshare insurance for drivers. Policyholders who work for delivery or rideshare apps like Uber or Lyft won’t have this type of coverage under Cure.
Can Cure Auto Insurance Cover Classic Cars?
Cure Auto Insurance doesn’t appear to offer any classic car insurance at the moment.
Can Cure Cover SR-22 Insurance?
Cure Auto Insurance doesn’t appear to offer any SR-22 insurance certificates for high-risk drivers. Given the company’s less-than-enthusiastic approach toward car owners with rougher driving histories, Cure is unlikely to provide SR-22 insurance.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
