CURE Car Insurance Review for 2024 [Find Savings Here]

CURE car insurance is available only in New Jersey, Pennsylvania, and Michigan. It offers budget-friendly options with minimum coverage starting at $53 monthly. This CURE car insurance review also highlights its Safe Driver Program, which rewards responsible drivers with added savings.

UPDATED: Nov 26, 2024Fact Checked

Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

UPDATED: Nov 26, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Nov 26, 2024Fact Checked
2.8
carinsurancecomparison.com

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

CURE Car Insurance

Average Monthly Rate For Good Drivers

$53

A.M. Best Rating:

B

Complaint Level:

Low

Pros

  • Affordable rates geared towards responsible, good drivers
  • No-credit-check car insurance for budget-conscious consumers
  • Competitive pricing makes it a strong choice among similar plans
  • Simple policies that make coverage easy to understand

Cons

  • Customer service response times can be slow, per reviews
  • Some customers report rate increases without notification
  • Coverage options are limited compared to larger providers

Our CURE car insurance review emphasizes its low car insurance costs, but coverage is exclusively in New Jersey, Pennsylvania, and Michigan.

CURE Car Insurance Review

Citizens United Reciprocal Exchange (CURE) insurance company specializes in no-credit-check car insurance, meaning it won’t use your credit score to set rates. It offers affordable coverage in states known for very high rates, like Michigan and New Jersey.

CURE Car Insurance Rating

Rating CriteriaCURE: CURE Car Insurance Review
Overall Score2.8
Business Reviews3.0
Claim Processing1.8
Company Reputation3.0
Coverage Availability1.5
Coverage Value2.9
Customer Satisfaction2.5
Digital Experience2.5
Discounts Available2.0
Insurance Cost3.7
Plan Personalization2.5
Policy Options3.1
Savings Potential3.2

Compare RatesStart Now →

CURE Auto Insurance also has a Safe Driver Program, which gives discounts to careful drivers as a reward for good driving behavior. Find out why a safe driving record means lower car insurance rates.

Keep reading to explore CURE insurance ratings, special offers, and unique auto insurance options without a credit check. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.

Here’s What You Need to Know

  • CURE car insurance has a 2.8 rating, reflecting mixed feedback
  • Affordable rates make it appealing for budget-conscious drivers
  • Offers straightforward policies suited for basic coverage needs

How Age and Gender Affect CURE Car Insurance Premiums

The table below presents monthly CURE car insurance rates, sorted by age, gender, and coverage level. This gives an understanding of how costs change as you gain more driving experience.

CURE Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$112$196
Age: 16 Male$120$210
Age: 18 Female$139$222
Age: 18 Male$145$230
Age: 25 Female$84$158
Age: 25 Male$89$164
Age: 30 Female$71$134
Age: 30 Male$76$138
Age: 45 Female$56$110
Age: 45 Male$59$116
Age: 60 Female$53$101
Age: 60 Male$55$102
Age: 65 Female$58$109
Age: 65 Male$61$112

Compare RatesStart Now →

For young drivers, prices are much higher because there is more risk with teen drivers. As drivers grow older, their insurance premiums become lower. People between 60-65 years old get the cheapest rates for both types of coverage.

CURE car insurance review: CURE provider screenshot

Safe drivers will get the cheapest CURE auto insurance quotes. This table shows how CURE uses risk-based pricing, showing directly how driving history can change insurance premiums.

Unlike many other insurers, CURE does not use credit scores to set prices. Instead, it looks only at factors related to driving, which helps safe drivers save money.

Read More: Factors That Affect Car Insurance Rates

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

CURE Car Insurance vs. Competitors: Monthly Rate Comparison

The table compares CURE Car Insurance’s monthly prices with those of its main competitors for both minimum and full coverage. CURE’s lowest insurance plan costs $69/month, which is more expensive than other companies like Geico and USAA.

CURE Car Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Cure Car Insurance Review$61$160
Cure$69$143
Farmers: Cure Car Insurance Review$53$139
Geico: Cure Car Insurance Review$30$80
Liberty Mutual: Cure Car Insurance Review$68$174
Nationwide: Cure Car Insurance Review$44$115
Progressive: Cure Car Insurance Review$39$105
State Farm: Cure Car Insurance Review$33$86
Travelers: Cure Car Insurance Review$37$99
USAA: Cure Car Insurance Review$22$59

Compare RatesStart Now →

If you need full coverage, CURE costs $143 per month, which is quite good compared to others, such as Liberty Mutual, which asks for $174 monthly.

However, CURE does not use credit scores to set rates. CURE could be cheaper than Geico and USAA if you have poor credit. Compare it to the best car insurance companies that don’t use credit scores to find out.


This table shows monthly insurance rate comparisons for many companies, divided by driving history. It shows how different driver records affect premium costs and gives helpful information to drivers who want to check their choices.

CURE Car Insurance Monthly Rates vs. Top Competitors by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate TablePress Logo$130$150$170$190
Cure TablePress Logo$120$140$160$180
Farmers TablePress Logo$128$148$168$188
Geico TablePress Logo$110$130$150$170
Liberty Mutual TablePress Logo$135$155$175$195
Nationwide TablePress Logo$118$138$158$178
Progressive TablePress Logo$125$145$165$185
State Farm TablePress Logo$115$135$155$175
Travelers TablePress Logo$122$142$162$182
USAA TablePress Logo$105$125$145$165

Compare RatesStart Now →

CURE increases rates by $20 on average for each infraction, helping high-risk drivers save money on coverage. This is a bit more than USAA’s rate, which is $105 per month, but less compared to Liberty Mutual’s charge, which is $135 every month.

CURE Car Insurance Discounts & Savings

This table shows the car insurance discounts CURE gives. Homeowners get the most benefit with a big 17% discount, which is one of the highest savings chances. Safe drivers and seniors also save a lot, each getting 15% off their insurance cost.

CURE Car Insurance Discounts by Savings Potential

Discount NameCure: Cure Car Insurance Review
Homeowner17%
Safe Driver15%
Senior Citizen15%
Affinity12%
Military11%
Good Student10%
Multi-Vehicle10%
Renewal10%
Welcome Back10%
Prior Coverage9%

Compare RatesStart Now →

Students who get good grades can receive a 10% discount, showing CURE’s encouragement for young and reliable drivers. Military members and drivers of certain professional groups get 11% and 12% discounts.

Safe Driver Program Definition Card: CURE Car Insurance Review

These types of discounts show that CURE cares about giving real savings based on actual qualifications. Learn how to qualify for the best car insurance discounts today.

CURE Car Insurance Coverage Details

This table shows different coverage choices offered by CURE, which meet many driving requirements and ensure policyholders can get the protection they require.

CURE Car Insurance Coverage

Coverage OptionDescription
Collision CoveragePays for damage to your vehicle in an accident, regardless of fault
Comprehensive CoverageCovers non-collision events like theft, vandalism, and natural disasters
Liability CoverageCovers bodily injury and property damage you are legally responsible for
Medical Payments (MedPay)Covers medical expenses for you and passengers after an accident
Personal Injury ProtectionProvides coverage for medical costs, lost wages, and other injury-related expenses
Rental ReimbursementCovers the cost of a rental car while your car is being repaired
Roadside AssistanceOffers towing, flat tire changes, and other emergency services
Safe Driver ProgramRewards policyholders with clean driving records through lower premiums
Telematics DiscountsUsage-based insurance discounts for monitoring safe driving habits
Uninsured Motorist (UM)Protects you if hit by a driver without insurance or underinsured coverage

Compare RatesStart Now →

CURE aims to provide easy-to-understand car insurance without a credit check. Explore the types of car insurance coverage to find the best fit for your needs.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

CURE Car Insurance Customer Reviews and Industry Scores

The table shows the company’s business ratings. The Cure Auto Insurance A.M. Best gives a “B” rating for fair financial stability, which is acceptable but not the best.

CURE Car Insurance Business Ratings & Consumer Reviews

AgencyCURE: CURE Car Insurance Review
J.D. Power: CURE Car Insurance ReviewScore: 790 / 1,000
Avg. Satisfaction
BBB: CURE Car Insurance ReviewScore: B
Good Business Practices
Consumer Reports: CURE Car Insurance ReviewScore: 68/100
Mixed Customer Feedback
NAIC: CURE Car Insurance ReviewScore: 1.20
More Complaints Than Avg.
A.M. Best: CURE Car Insurance ReviewScore: B
Fair Financial Strength

Compare RatesStart Now →

At the same time, its NAIC score of 1.20 shows more complaints than the average in the industry, indicating some unhappy customers.

Comment
byu/ConfusedNegi from discussion
inDetroit

CURE’s J.D. Power score of 790/1,000 shows that most customers are happy with the service, but Consumer Reports gives it a 68/100 rating, meaning some people have different opinions about it. The BBB offers CURE a “B” grade for its business ways, meaning they are good but not the best.

CURE Car Insurance Pros and Cons Overview

CURE car insurance is good choice for drivers who care about saving money and being careful. For people with bad credit who want to keep expenses down without dealing with complicated insurance plans, CURE is a very attractive option.

  • Good Price for Safe Drivers: Cheap rates to people who drive well and have no accidents or tickets.
  • Budget-Friendly Plans: Easy coverage choices for people who want basic protection without paying a lot of money.
  • Competitive in the Market: Insurance rates consistently rank well against similar insurers, providing value.
  • Straightforward Policies: Policies are clear and simple, helping policyholders easily understand coverage.

CURE Auto Insurance caters to drivers looking for a low-cost, uncomplicated insurance option. However, it has some problems with customer support and not many coverage choices, which might not be good for all drivers. The cons of CURE car insurance coverage are:

  • Slow Customer Support: Reviews indicate that response times for customer inquiries may lag.
  • Unexpected Rate Increases: Some policyholders report rate hikes without prior notification.
  • Limited Coverage Options: CURE might have too few choices for drivers who need different or more advanced coverage types.

Even though CURE is affordable, people say that customer service is sometimes slow to respond, and rates can go up suddenly, which may make customers unhappy. Get insights on how you can find affordable car insurance rates now.

Find Affordable Protection With CURE Car Insurance

Our CURE car insurance review finds affordable prices and a Safe Driver Program that rewards careful driving. It provides low-cost, no-credit-check auto insurance to drivers in Pennsylvania, New Jersey, and Michigan. Compare the cheapest car insurance companies to find more savings.

CURE’s 2.8 customer rating reflects both affordability and room for improvement.

Daniel Walker Licensed Insurance Agent

Although customer service and limited coverage choices have some disadvantages, CURE car insurance without a credit check is a good option for people with bad credit scores who want to save money and keep things simple with their insurance.

Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

Frequently Asked Questions

How long has CURE car insurance been around?

CURE auto insurance was established in 1990. See how to purchase the right car insurance quote online.

Who is the CEO of Citizen United Reciprocal Exchange (CURE)?

Eric S. Poe serves as the Chief Executive Officer of CURE auto insurance.

How can I contact CURE Auto Insurance?

You can reach CURE auto insurance’s customer service at 800-535-2873 or visit their website at CURE.com.

What is the contact number for CURE car insurance?

The main contact number for CURE Auto Insurance is 800-535-2873.

At what age is CURE car insurance cheapest?

CURE Auto Insurance typically offers the lowest premiums to drivers aged 60-65. Compare car insurance companies to get the best rates.

What type of car insurance is best with CURE?

CURE offers both minimum and full coverage options.

What is the NAIC code for CURE Auto Insurance in New Jersey?

CURE auto insurance’s NAIC code for New Jersey is 12157. Find out why understanding your car insurance policy is essential.

Is CURE insurance available in Michigan?

Yes, CURE expanded its services to Michigan in 2021.

Is CURE car insurance available in Florida?

No, CURE auto insurance does not currently operate in Florida. To avoid overpaying for your car insurance, enter your ZIP code in our free comparison tool to find which company has the lowest rates.

Where is CURE located in Detroit?

CURE auto insurance is in Detroit, Michigan. Visit the insurance website to learn more or secure the cheapest Michigan car insurance rates now.

Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Cure Auto Insurance

2.52 (51 reviews)
0.5
April 24, 2024

hhdhdd hsgdvdvd

CURE Auto Insurance review

CURE AUTO IS GARBAGE, THEY OFFER CHEAP RATES BUT CUSTOMER SERVICE IS TERRIBLE THEY MAKE YOU VERIFY ALL YOUR INFO EVERYTIME YOU\'RE TRANSFERRED, THEY MAKE U PAY 15 BUCKS TO PAY YOUR BILL ONLINE 17 TO CALL IN AND THEY MAKE U KEEP ROADSIDE ASSISTANCE FOR 15 DOLALRS A MONTH AND OFFER NO BENEFITS OR DISCOUNTS FOR ANYTHING. THEY SUCK BUT SINCE I HAD A FEW TRAFFIC INCIDENTALLY I\'LL KEEP THEM FOR NOW
1
January 27, 2024

Customer_Mad

Worst Customer Service

I purchased CURE Auto Insurance in 2021 when they landed in Michigan from New Jersey to help our state with our super high unaffordable rates. After two years I'm gone due to the worst customer service I had ever experienced in my life. They all of a sudden kept raising my monthly payment and when I called to complain the rep was very rude, disrespectful, lacked concern, lacked empathy. He said "I don't get paid to come to work to listen to your ...
I purchased CURE Auto Insurance in 2021 when they landed in Michigan from New Jersey to help our state with our super high unaffordable rates. After two years I'm gone due to the worst customer service I had ever experienced in my life. They all of a sudden kept raising my monthly payment and when I called to complain the rep was very rude, disrespectful, lacked concern, lacked empathy. He said "I don't get paid to come to work to listen to your problems, I don't care what you are going through!!" OMG!! Who in the world talks like this to paying customers?? How dare he?!? They lost business and a valued customer forever!
1
January 25, 2024

Awilli1989

The worst

They do not like to pay out claims. Got into an accident in September 2023 and here we are January 2024 and I'm still getting the run around. They don't like to return phone calls their direct line is an answering machine
1
October 24, 2023

noneofyourbiz44_yahoo_com

Worst experience

I've had nothing but issues with cure. I started a policy on July 6th. No email or phone call telling me my policy wasn't started I found out when using lock out service a week later ! They refuse to change bill date by 3 day's. Customer service is a huge failure to. Go to root
1
April 17, 2023

Mese

Worst Ever

Nj Cure Auto is the worst company ever. Do not to even attempt to give them a call. The only thing they do is take your money. How do you cancel someone's insurance without them knowing. No email no letter on the mail no nothing.
5
March 20, 2023

Jass10

Great rate and service

I signed up with CURE about two years back because I got a great rate. They provide very good service as well. Would definitely recommend them.
5
March 15, 2023

Jass10

Very affordable & great service

Great service and very low prices. They do not look at education, credit score, etc so I got a much better rate than I get elsewhere. So far, so good.
1
March 11, 2023

sj1023

CURE SUCKS and is a scam

I was in a car accident where someone hit me and I still have not been assigned a claim's adjuster.
1
January 30, 2023

Gege

Scam, raising the policy rate without a notification

Bad company, they added a road side assistance to my policy without my knowledge and are charging me $60 per year for that and they never notified me and when I discovered that accidentally i asked them to cancel It but they refused. Plus online payment cost $15 and also over the phone payment. The only fee free payment is through a check but only if you send it on time as they send you the renewal package only 5 days before the payment due date ...
Bad company, they added a road side assistance to my policy without my knowledge and are charging me $60 per year for that and they never notified me and when I discovered that accidentally i asked them to cancel It but they refused. Plus online payment cost $15 and also over the phone payment. The only fee free payment is through a check but only if you send it on time as they send you the renewal package only 5 days before the payment due date to not give you enough time to send the check and to force you to pay online or by phone and pay extra $15 , what a scammers. I don't recommend them.
1
January 10, 2023

BigCurt208

CURE is a SCAM!

This Company is a SCAM! I will be contacting the BBB to investigate as soon as I complete this review! Potential customers should shop for insurance from an accredited carrier! Cheaper is not better! You will NEVER get to speak to an agent, adjuster, or manager because there are none! They simply employ ppl to pose as receptionist who just sends you from voicemail, to voicemail! Save your self time and money and DO NOT use this company to insure ...
This Company is a SCAM! I will be contacting the BBB to investigate as soon as I complete this review! Potential customers should shop for insurance from an accredited carrier! Cheaper is not better! You will NEVER get to speak to an agent, adjuster, or manager because there are none! They simply employ ppl to pose as receptionist who just sends you from voicemail, to voicemail! Save your self time and money and DO NOT use this company to insure ANYTHING if you care about it!
↑ Back to Top

Write a Review

Policy Type?

Please select a `Policy Type!`
(Min. 100 Characters)

Company Overall Rating

When you submit this review, you will be asked to sign in/up for to your https://www.carinsurancecomparison.com account. If your account is not currently verified, we will send a verification email to the email on file for your account. Please select the verification button in that email. If you do not see the email in your inbox, please check your spam or junk folder. Your review cannot be reviewed and accepted until you complete this verification step.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

<h3>Cure Car Insurance Monthly Rates by Driving Record</h3>
<h3>Cure Car Insurance Monthly Rates by Driving Record</h3>