CURE car insurance is a solid choice for drivers looking for basic coverage without the influence of credit scores on their rates. However, its limited availability and mixed customer service reviews are important considerations. If you live in Michigan, New Jersey, or Pennsylvania and are seeking affordable insurance options, CURE might be worth exploring. CURE car insurance Customer reviews are mixed. While many appreciate the competitive rates and the lack of credit score consideration, others have reported issues with customer service. However CURE Auto Insurance has a mixed overall rating of 3.4 stars based on 3,836 reviews It’s important to weigh these factors when considering CURE for your needs. Compare insurance car USA
CURE (Citizens United Reciprocal Exchange) Auto Insurance was founded in 1989 by former New Jersey Insurance Commissioner James J. Sheeran and insurance executive Dr. Lena Chang. The company was established as a not-for-profit reciprocal exchange to address the auto insurance crisis in New Jersey during the 1980s. In 1990 it issued its first policy in New Jersey on June. They expanded to write policies in Pennsylvania in 2008. In 2015 Celebrated 25 years of operation, insuring nearly 50,000 vehicles in New Jersey. CURE continues to serve as a consumer-focused solution, emphasizing fair insurance rates based on driving records rather than credit scores, education, or occupation
CURE’s philosophy is centered around fairness and equality in insurance rates. Unlike many national insurers, CURE does not use income-proxy factors such as credit scores, education, or occupation to determine rates. Instead, they focus on the applicant’s driving record. This approach has made it a popular choice for drivers seeking fair and transparent insurance practices.
CURE is also known for its community involvement, including the “Pay It Forward” Scholarship Award, which has provided nearly $140,000 in scholarships to local students since 2006.
Important Note: If you don’t live in New Jersey, Pennsylvania, or Michigan, you cannot get CURE auto insurance..
CURE car insurance reviewin 1 minute
CURE’s core philosophy is that non-driving factors like credit history, job title, or how much education you have shouldn’t dictate your car insurance rates. Instead, they focus primarily on Your driving history (accidents, violations), Years of driving experience, Vehicle type and Location (within NJ, PA, or MI). So CURE is a niche option specifically designed for drivers who:
- Live ONLY in New Jersey, Pennsylvania, or Michigan.
- Have a good driving record (minimal accidents/tickets).
- May have poor credit or work in an occupation typically surcharged by other insurers.
CURE Auto Insurance offers a unique proposition by basing rates on driving behavior rather than socio-economic factors. For a specific segment of drivers within its very limited three-state territory (NJ, PA, MI), it can provide significant savings. So this can be advantageous for drivers with clean records but poor credit, or those in occupations often surcharged by other insurers. CURE is a good choice for those with a good driving record, but it doesn’t seem to be affordable car insurance for new drivers. We recommend progressive car insurance reviews and State Farm reviews for the cheapest car insurance for new drivers.
CURE Customer Experience and Reputation:
- NAIC Complaint Index: Official data suggests CURE’s complaint ratio might be near the national average overall, but reports indicate a high volume of claims-related complaints specifically within Michigan.
- J.D. Power: Not typically included in major J.D. Power satisfaction studies due to its regional nature.
- BBB: Not officially rated by the BBB, though customer reviews are present on the site.
- Online Reviews: Show a mix of very satisfied customers (praising low rates) and very dissatisfied customers (citing major claims issues).
Coverages, Limits, Costs and Discounts
Bellow table provides a snapshot of the typical car insurance coverages and costs associated with CURE car insurance. Pricing is highly individualized based on your driving record and location within NJ, PA, or MI. Direct quotes are necessary. CURE offers discounts for:
- Clean driving records (Loss-free discount)
- Parking (off-street or secure garage)
- Anti-theft devices
- Completing a defensive driving course
- Multi-vehicle policies (in NJ/PA)
| Coverage Type | Coverage Limits | Average Monthly Cost |
|---|---|---|
| Bodily Injury Liability | $10,000 per person / $30,000 per accident 1 | $69 – $102 |
| Property Damage Liability | $5,000 per accident | Included in liability |
| Comprehensive Coverage | Varies by deductible,Driver’s Record and Location | $70 – $120 |
| Collision Coverage | Broad, Standard, Limited | $70 – $320 |
| Personal Injury Protection (PIP) | $500 deductible | $5 – $50 |
| Uninsured Motorist Coverage | $5,000 property damage / $30,000 bodily injury | $15 – $100 |
| Roadside Assistance | Optional endorsement | $5 – $15 |
Pros and Cons
Pros of CURE Car Insurance
- No Credit Score Consideration: CURE does not use credit history, occupation, or education level to set insurance rates. This can be beneficial for drivers with lower credit scores.
- Competitive Rates: Starting at around $69 per month, CURE offers competitive rates, especially for high-risk drivers.
- Basic Coverage Options: Includes bodily injury and property damage liability, comprehensive coverage, collision coverage, and personal injury protection (PIP).
- 24/7 Roadside Assistance: Available as an optional endorsement, providing peace of mind in case of emergencies.
Cons of CURE Car Insurance
- Limited Availability: CURE is only available in Michigan, New Jersey, and Pennsylvania, limiting its accessibility.
- Mixed Customer Service Reviews: Some reviews indicate dissatisfaction with customer service, highlighting areas for improvement.
- No Online Quote Tool: You need to contact them directly for quotes, which can be less convenient compared to other insurers.
CURE car insurance claims
CURE aims to make the claims process as straightforward and stress-free as possible. Here are the key steps:
- Report the Claim: You can report a claim 24/7 by calling CURE’s claims center at 800-229-9151 or online through their website 1.
- Claims Representative: A CURE claims representative will guide you through the process, answer your questions, and help you understand your coverage.
- Damage Assessment: CURE will assess the damage to your vehicle and determine the necessary repairs.
- Repairs and Payments: If your vehicle needs repairs, CURE can recommend repair shops, or you can choose your own. They will handle payments directly with the repair facility.
- Follow-Up: CURE will follow up to ensure your claim is resolved to your satisfaction.
CURE car insurance has received mixed reviews regarding its claims process. While some customers have had positive experiences with CURE’s customer service and rates, others have faced challenges with claims processing delays and administrative errors. Also CURE does not offer an online claims filing tool, which can be less convenient compared to other insurers.
Last Real Customer Reviews
CURE car insurance Positive Reviews
- I recently had to file a claim with CURE & it was smooth sailing from start to finish. Initially when an accident first happens, one can’t help but feel agitated and frustrated but I must say my claims rep, Jonathan Fallon made it easy, answered all of my questions , sometimes even before I asked them. It really was a positive experience ( as positive as your car being totaled can be!) I highly recommend CURE purely for their customer service.
- So friendly and easy to work with! Cut my payments by 60% compared to Progressive!!!
- Amazing in all ways you can think in General Exelent team work I have the best experience every time I reach to them for any reason I end more then satisfied I recommend 100%the best.
- Processed my claim for total loss of vehicle in a timely manner and very professional throughout the whole process. Andrew C. In the claims department was very helpful, kept me in the loop and helped me receive the most for my vehicle. Would def. recommend to friends and family.
- I bought CURE vehicle insurance from a third party, I don’t know if they scammed me, I sent information to the email so they can give me information and know if I am active. We undocumented immigrants have many doubts regarding the purchase of insurance. Thanks
- As a 24 year old, CURE has offered me the best rates for me so far. They offered me around 200 down, at around 100 a month with no fault. While I’d love full coverage, this second option made this very affordable for me to drive safely with insurance at all. ALSO, I’m not sure if this works for all insurances, but if you have BCBS, this takes a major discount off of your bill.
- Such a good company!!! The customer service representative that helped me was Rick, and he helped me a lot!! Excellent customer service, thank you!!
- Very fair prices. Nice customer service. Never had an issue with them or with billing info! You can send checks instead of paying $6 fee every month!! Great company.
- Cut my insurance bill from $450/mo to $150/mo for the exact same coverages. Yes there’s a few fees but worth the savings.
- Cure is the cheapest ins period. I had a no fault claim and they got back to me super quick and got the repairs done. They did close that policy and raised my rate after the claim but with being a customer for so long, they’ve won me over.
- Supervisor Allison D. Has been the greatest during our ordeal she has done things even before I could tell what was going on she has shown how much she appreciate our business and because of her I would recommend Curee insurance thanks Allison for all you have done
- The adjuster that I was assigned delayed a simple claim on my windshield by 3 weeks and then sent me a denial letter making false statements. I had to contact a supervisor and lodge a complaint and after that, things moved pretty quick
- The prices are unbeatable for new drivers or people who have had any kind of accident. The only aspect that lacks is their payment options. There’s a western union fee for paying by phone, pay by text, and paying online. I believe the only way to avoid the fee is a check. Other than that the staff is SO HELPFUL.
- Very fair prices. Nice customer service. Never had an issue with them or with billing info! You can send checks instead of paying $6 fee every month!! Great company.
- Good rates for me, I added a second vehicle and im still under 100 bucks a month for basic no fault. Ive never had insurance really, only to get plates because it was always too high, but now it feels good to always drive legit without a cop gettin behind me and my legs start shaking like crazy!!
- By far the cheapest insurance! 3 cars no fault and 1 full insurance. $ 524 down payment $ 245 4 monthly payments! Amazing for MI insurance! Thank you!
- New client… needed to use my roadside coverage for a tow. No problems at all. Got home safely with no trouble.
- Best insurance, most affordable I have found in Michigan and they cover towing. Great company.
CURE car insurance Positive Reviews
- Awful. I’ve seen first hand the results of this insurance company. They will do everything in their power to deny a claim. They are a horrible company. Stay away.
- Every 6 months the price goes up and it is very difficult to contact an agent
- Worst insurance company ever. Nothing but a racket. 12.00 installment fee. 14.95 to pay your bill. If you need a tow. You pay they will reimburse you 125.00 no matter the tow is more. You get roadside assistance according to the policy. Not true. This company engaged in theft by deception. Your rates only increase. No tickets. No accidents. No claims. The rates just go up. Scam artists. Everyone should walk away.
- Don’t get this insurance they will cancel your policy before 30 days after the due date … there billing department is very unprofessional and has a very unprofessional attitude! I advise everyone not to get this! Also they take extra money out of ur account and never return ur funds back but will issue u another bill on top of your bill ! Never again
- Need as many people with bad claims experiences with Cure Auto Insurance. The law firm is ready to evaluate the case and you can get something for the SCAM you got into with CURE.
- Cure is a scam!!! I repeat cure insurance is a scam. I recently was involved in a hit and run with my car in December 2024. Gave them police reports and everything. Instead of them looking into accident they looked for a reason to void my policy saying my legal wife wasn’t added as a driver when I had the car when the accident happened!!! They said my insurance was cancelled in May 2024 but kept taking my money every month until January 2025.TRUST ME DO NOT USE CURE FOR INSURANCE!!! BIG SCAM.
- Absolutely horrible and rude customer service when calling in. They keep changing my due date and the payment amount! Definitely feels like a scam.
- Low cost insurance, but their customer service is horrible once they sign you up. If you ask to speak with a supervisor, they put you on a call back list, and I’ve done this twice. I have yet to have one call me back. This company, in my opinion, is Good for no fault not so much for full coverage. Plus their payment fee for online through website or over the phone is 14.95. That’s ridiculous!!! Save yourself some money am mail your payments in at least two weeks in advance.
- Worst experience ever! Do not purchase! once my 6 months are up I will be going elsewhere! I had to get my policy re-instated & purchased it yesterday for coverage to begin today. Because I had a balance preciously & did not pay it the same day I purchased a new policy I do not have coverage until the following day. The customer service is rude as well as the supervisors and they do not care about providing excellent customer service.
- A driver who has Cure Insurance ran into my home damaging the foundation and the garage. The garage door is damaged and I cant get to my car. It’s been 30 days, and Cure hasn’t even sent an adjuster out. Luckily I had cash on hand to fix the bricks and replace the basement windows that was totalled damaged, or I would probably have all the rodents in my house. They have video footage, and a police report of the incident, yet still giving me the run around.
- “CURE”” is an unreliable insurance company, and I strongly advise against insuring your vehicle with them. I have personally been wronged by Cure, and if you’ve had a similar experience where they misled you, please reach out to me. Let’s join forces and hire a lawyer to take legal action against them. They are refusing to pay for my totaled car, a claim I should have received four months ago, and are now trying to shift the blame
- Hideous customer service! Rates are beautiful but please don’t have an accident. I was in an accident in May (not my fault) and it’s almost September and no one can tell me why my claim has not been settled – they won’t answer the phone, they reroute you to voicemail or they just won’t return your call. I regret leaving my former insurance company. I advise anyone, who is thinking about starting up with this company, to think again.
- Absolutely terrible customer service and Absolutely terrible insurance company. A complete joke and waste of time…. I promise spending more money is better then using them…. they will ruin your life!! The checks they send bounce and then won’t communicate with anyone about why. Your payments will somehow not be posted then they will double charge you and then add on a late fee and then say you’re the one at fault. They threaten to cancel the policy once you bring it up and the CS hangs up the phone after transferring you to 300 different people
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