Non-Profit Car Insurance Companies

Non-profit car insurance companies can offer lots of benefits, including waived charges and fees, and can save you money overall. The average rate is $45/mo. Non-profit insurance companies are not the same as insurance for non-profit organizations. A not-for-profit car insurance company does not take profits from customers. There are some non-profit car insurance companies out there, but not many. Major car insurance companies offer discounts to non-profits.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 31, 2021

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Here's what you need to know...

  • The pros far outweigh the cons when joining a group in order to get non-profit auto insurance
  • If a group member is unpaid and yet contributes a lot of work to the group, non-profit auto insurance is a great compensation
  • There are mainly three reasons why non-profit insurance will benefit you
  • Overall, non-profit auto insurance can save you money, the average rate is $45/mo

Non-profit car insurance refers to the practice of an insurance company waiving the usual fees for extended payments when working with a non-profit organization.

Non-profit car insurance companies, on the other hand, may refer to not-for-profit auto insurance companies that do not operate for a profit.

Are there any non-profit insurance companies? Non-profit auto insurance companies are not common, although some operate as mutual companies where a portion of profits are returned to policyholders.

There may be other perks offered as insurance providers look for creative ways to attract clients. These can help you get cheap car insurance.

In some cases, a company may offer auto insurance for non-profit companies while also operating as not-for-profit insurance companies.

Read on to learn about not-for-profit car insurance and insurance companies for nonprofit organizations, and in the meantime, get some rates.

Enter your ZIP to compare affordable non-profit car insurance quotes now, along with traditional quotes.

Non-Profit Car Insurance Companies

Which insurance companies are non-profit? There aren’t many, and it’s hard to find a list of non-profit insurance companies. One such group is the NJ CURE or also known as the New Jersey Citizens United Reciprocal Exchange.

NJ CURE is one of the leading non-profit car insurance companies in the state of New Jersey.

They have recently entered into a contract with Rutgers University and their athletic department and are now the premier official car insurance sponsor for the Rutgers Athletics Department.

They’re located in Princeton, New Jersey, and have become their sole provider of insurance and, for over a decade now, have provided many safe drivers with affordable insurance.

An NJ Cure insurance quote is the best way to find out if they’re a good choice for you, but it’s only offered in New Jersey.

How much is non-profit car insurance?

The cost of auto insurance for non-profits or members of a non-profit will vary based on many factors, including location, individual driver’s records, and what discounts are offered.

Take a look at this table to see the average car insurance rates by coverage type. These numbers will give you an idea of auto insurance costs.

Average Annual Car Insurance Rates by Coverage Type
GroupHigh Coverage Level Average Annual Car Insurance RatesLow Coverage Level Average Annual Car Insurance RatesMedium Coverage Level Average Annual Car Insurance Rates
American Family$3,416.40$3,368.49$3,544.37
Liberty Mutual$6,356.04$5,805.75$6,058.57
State Farm$3,454.80$3,055.40$3,269.80
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Liability-only coverage is about $312 a month, however, non-profits may have to carry full coverage, which is around $345 a month.

What are non-profit car insurance benefits?

There are many types of auto insurance coverage. Non-profit insurance is meant for a specific group of drivers and organizations.

In many instances, individuals are not even obligated to participate; this being the opposite of many companies and organizations, where complete enrollment is required for the group rates to be valid.

In such a setting, the group members are often volunteers and therefore unpaid.

Take, for example, religious organizations, such as churches and temples. The volunteers do the menial, unskilled, “thankless” tasks, and the head of the company or organization is the only paid employee.

While they work unselfishly, without expecting compensation, it’s nice to give them a money-saving option, such as non-profit car insurance.

Here are three reasons why non-profit insurance is a good idea:


Non-profit car insurance operates in such a way that its members have the flexibility to decide if they want to be participants or not.

No one feels obligated to participate because there’s no penalty if they don’t for those who do.

Group members who do not want to abandon their current auto insurance policies don’t have to, which promotes the group’s morale and strength. Flexibility also comes into play with payment.

Monthly Payment Plans

With an ordinary car insurance policy, the rate is paid upfront, when the policy begins.

Those who can’t pay the entire amount are usually provided with a monthly payment plan, extending the life of the policy and increasing the amount customers will ultimately pay in service charges.

This monthly payment plan is a major disadvantage to ordinary car insurance policies. Most customers cannot afford the entire lump sum, so they spread it out over time and pay a cost for that privilege.

Waived Fees and Charges

How much is insurance for a non-profit? Non-profit car insurance differs so greatly from the commercial car insurance most of us purchase.

As a substitute for the nonprofit company supplying the car insurance company with a sizeable group of customers, the insurance company, in turn, will waive the service charges and fees paid by commercial insurance customers.

Charges and fees will be waived even when the customer pays over an extended period of time.

After all, rather than pay the insurance company penalties and interest, you have the chance to make payments at the face-value cost of the policy.

Perhaps it is most advantageous for non-profit group members because they are able to spend their money as they see fit over time, rather than handing it all over to the insurance company at once, on top of the main benefit of saving money over time, as well.

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Larger Groups Equal Lower Non-Profit Car Insurance

Insurance customers garner perhaps even greater savings over time when they elect to become part of an insurance group.

Both the car insurance broker and the policyholder make out for the best in this situation. There are mutual benefits for both groups. The provider gets free advertising and marketing for insuring a group, so to speak, as well as much lower administrative expenditures.

Non-profit car insurance, in terms of group membership, has several discrete advantages for both insurance providers and for group members.

With members being assigned no extra fees or charges and very few added burdens being piled on to the insurance companies administration’s responsibilities, the pros far outweigh the cons for both the parties: the insurer, as well as the insured.

Car Insurance Companies for Non-Profit Organizations

How much is insurance for a non-profit organization and where can you find it? Non-profits often get great rates from major insurance companies, and there are a few that specialize as well.

According to NOLO, states can require non-profits to carry certain auto insurance coverage for workers and volunteers alike.

Non-profits usually get a special kind of commercial car insurance and special discounts. It’s best to contact the company directly to find out about these special rates.

Now that you know all about non-profit insurance companies as well as how to get car insurance for non-profit organizations, it’s time to see the numbers and find out how you can buy non-profit car insurance.

Want to see what non-profit car insurance rates look like? Get several free car insurance quotes today to compare to non-profit companies by entering your ZIP now.

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