CURE Auto Insurance Review for 2025 (See Ratings & Cost Here!)
Cure auto insurance review reveals how the company offers competitive rates with a focus on driver history, not credit or income. For example, a 45-year-old male can expect a minimum coverage rate of $69. Discover if Cure is right for you by getting a Cure auto insurance quote today.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 21, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Mar 21, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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This Cure auto insurance review covers CURE, which stands for Citizens United Reciprocal Exchange, and its offerings in NJ, PA, and MI. CURE stands out for its low rates, including the cheapest car insurance for safe drivers, such as a 45-year-old male paying $69 for minimum coverage in NJ.
While CURE offers affordable rates, especially for those with clean driving records, it doesn’t provide coverage options in all states and might not suit high-risk drivers. If you’re a responsible driver, CURE could be a great fit. Be sure to compare multiple CURE auto insurance quotes to find the best policy that matches your needs.
- Cure auto insurance review shows affordable rates starting at $69
- Cure offers roadside assistance for policyholders in NJ, PA, and MI
- Cure’s biggest discounts are for safe drivers with clean driving records
Cure Auto Insurance Criteria and Ratings
Cure auto insurance serves New Jersey and Pennsylvania, offering Cure car insurance quotes for drivers, especially those with challenging credit or backgrounds. With an overall rating of 2.8, it provides affordable options.
Cure Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score Rating | 2.8 |
| Business Reviews | 3.0 |
| Claim Processing | 1.8 |
| Company Reputation | 3.0 |
| Coverage Availability | 1.5 |
| Coverage Value | 2.9 |
| Customer Satisfaction | 1.3 |
| Digital Experience | 2.5 |
| Discounts Available | 2.0 |
| Insurance Cost | 3.9 |
| Plan Personalization | 2.5 |
| Policy Options | 3.1 |
| Savings Potential | 3.2 |
Cure offers both full coverage and Basic policies. The full coverage option provides protection, including liability, collision, and comprehensive coverage. The Basic policy is cheaper but offers limited benefits.
As a not-for-profit, Cure focuses on customers’ needs and community impact. It sponsors the Pay It Forward Scholarship Award and educates students on vehicle safety. Consider everything you need to know about esurance too.
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Cure Auto Insurance Coverage
Cure auto insurance charges tiered premiums dependent upon age, sex, and the level of protection. Its lowest protection tiers are at a base of $69 for a male of age 45 through $314 for a 16-year-old male. Its minimal coverage affords liability and injury coverage, which is simple but solid protection.
Cure Auto Insurance Monthly Rates by Age, Gender, & Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $267 | $489 |
| 16-Year-Old Male | $314 | $528 |
| 18-Year-Old Female | $241 | $422 |
| 18-Year-Old Male | $289 | $479 |
| 25-Year-Old Female | $133 | $217 |
| 25-Year-Old Male | $157 | $243 |
| 30-Year-Old Female | $111 | $198 |
| 30-Year-Old Male | $127 | $215 |
| 45-Year-Old Female | $94 | $177 |
| 45-Year-Old Male | $69 | $143 |
| 60-Year-Old Female | $82 | $165 |
| 60-Year-Old Male | $93 | $172 |
| 65-Year-Old Female | $87 | $159 |
| 65-Year-Old Male | $99 | $183 |
At higher tiers or full coverage tiers with extended coverage protection, premium amounts rise. The cost ranges from $143 for a 45-year-old male to $528 for a 16-year-old male. Full coverage includes additional protections like collision, comprehensive, and uninsured motorist coverage.
When considering Cure car insurance, it’s important to know the available coverage options. Personal Injury Protection (PIP) offers medical coverage and lost wages, no matter who’s at fault. Liability protects against bodily injury and property damage, while Collision and Comprehensive cover your vehicle in various scenarios.
Cure car insurance also includes Uninsured and Underinsured Motorist Coverage, which protects you if an uninsured driver causes an accident. Although Umbrella Insurance is not offered at the moment, it’s recommended that you check for updates when finalizing your policy. If interested, check out an in-depth review of ObamaCare for insights on healthcare options.
Cure Auto Insurance Reviews and Ratings
Cure insurance reviews are mixed, with the company being rated 790/1,000 by J.D. Power, which shows good customer satisfaction. A.M. Best rates Cure a “B” for good financial strength, which implies that it is financially sound and can pay claims.
Cure Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 790 / 1,000 Avg. Satisfaction |
 | Score: B Good Business Practices |
 | Score: 68/100 Mixed Customer Feedback |
 | Score: 1.20 Avg. Complaints |
 | Score: B Fair Financial Strength |
Consumer Reports rates it 68/100, showing some dissatisfaction, especially with the claims process. Some customers have experienced the process to be more complicated than marketed. Even with this, Cure receives a “B” for sound business practices, demonstrating an interest in overall customer service.
Cure Auto Insurance Customer Service Feedback
Customers tend to post good Cure insurance reviews, commending the company for fast response, good service, and low premiums. Most welcome safe driving rewards, which bring added value to cautious drivers. It is only available in New Jersey and Pennsylvania.
The process of filing a claim is quoted as a negative point, with some customers saying it’s more involved than originally anticipated. In spite of this, the customer service of the company is generally appreciated as friendly and helpful, with flexibility in the form of policy cancellations and 60-day refunds.
Cure Auto Insurance Fair Approach to Auto Coverage
Cure auto insurance was designed to provide a more equitable method of auto coverage, with the sole use of driving records for rate determination. This prevents discrimination commonly resulting from elements such as education or homeownership, which have no bearing on a driver’s safety on the road.
Cure Auto Insurance reviews highlight solid customer satisfaction, a fair approach to rate setting, and reliable financial strength, making it a strong choice for drivers in NJ, PA, and MI
Ty Stewart Licensed Insurance Agent
Cure has compelled the auto insurance market towards more fair practices, prioritizing safe drivers over arbitrary personal information. Those looking for a visual guide to auto insurance can learn a lot from Cure’s fair way of doing insurance.
Cure Auto Insurance Monthly Rates and Annual Premiums
Cure auto insurance adjusts monthly rates based on a driver’s record. Clean records start at $69 for minimum coverage and $125 for full coverage. A ticket or accident increases the cost, with a DUI causing the highest rates. Auto insurance rates vary significantly.
In order to comprehend Cure auto insurance costs, a comparison of monthly and yearly premiums is necessary. Most rely on a Cure auto insurance review to determine if the provider is worth it. Monthly premiums show short-term expenses and year-to-year premiums indicate long-term affordability.
Cure yearly premiums sit between $1,194 and $1,450, a stable figure over the years. To get personalized rates, potential customers often contact Cure auto customer service or visit the website for a Cure quote. Comparing rates helps make informed decisions.
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Savings and Discounts in Cure Auto Insurance
Cure auto insurance review shows the provider offers great discounts, including a good driver discount for drivers free of violations for three years. A 40% discount is available if drivers meet additional criteria, including a long policy history.
CURE Auto Insurance Discounts & Savings| Discount Name | Potential Savings |
|---|---|
| Good Driver Discount | 40% |
| Safe Parking Discount | 25% |
| Anti-Theft Device Discount | 25% |
| Loss-Free Discount | 20% |
| Homeowner Discount | 17% |
| Senior Citizen Discount | 15% |
| Multi-Car Discount | 10% |
| Good Student Discount | 10% |
| Prior Coverage Discount | 9% |
| Defensive Driving Course Discount | 5% |
If you have multiple vehicles, the 17 car insurance discounts you can’t miss include the Multi-Vehicle Discount for combining cars into one policy. Parking your car off the street can earn you a 15% discount or up to 50% for more secure options.
With Cure homeowners insurance, drivers can also enjoy savings on their home policies. Other discounts include savings for anti-theft devices, loss-free records, homeowners, students, and seniors, as well as the Prior Coverage Discount.
Cure Auto Insurance Pros and Cons
Cure Auto Insurance provides inexpensive and flexible protection with an emphasis on low cost for New Jersey, Pennsylvania, and Michigan motorists. You should consider this wisely before opting for Cure auto coverage based on your circumstances.
Pros
- Low Prices for Good Drivers: Cure car quote data shows that the company provides competitive premiums, especially for good drivers, making it a great option for those who want low-cost insurance.
- Fair Pricing Model: Cure insurance does not charge premiums based on credit score, education level, or other variables, making it more accessible and cheap for most drivers.
- Wide Range of Coverage: With comprehensive options like liability and uninsured motorist protection, Cure car insurance gives customers the flexibility to customize their coverage. Be sure to check how to compare auto insurance companies to ensure you’re getting the best value for your coverage.
Cons
- Limited Coverage Areas: NJ Cure insurance is only available in New Jersey, Pennsylvania, and Michigan, meaning drivers in other states won’t be able to benefit from Cure auto insurance.
- Mixed Customer Satisfaction: Based on Cure auto insurance reviews, some customers report dissatisfaction with the claims process, which can be frustrating when needing timely assistance.
How to Sign Up for Cure Auto Insurance and File a Claim
Cure Auto Insurance offers a hassle-free, driver-centric way of obtaining coverage and submitting claims. Rates that are based on your driving history make it an affordable choice for safe drivers. For extra savings, be sure to explore 26 hacks to save more money on car insurance and get the best value while getting covered.
Below, we’ve outlined a simple step-by-step guide to help you sign up for Cure Auto Insurance and navigate their claims process with ease.
- Get a Quote: You can request a Cure Auto Insurance quote online or by calling their team. If you apply online, you’ll receive a quote and can proceed with signing up immediately.
- Provide Your Information: To complete your sign-up, you must submit basic details, including your name, address, Social Security number, and driver’s license number.
- Receive Your Final Rate: Cure reviews your driving history and profile details to finalize your rate. Since they base pricing on driving records, a clean history can help you secure a lower premium.
- Report an Accident: If you need to file a claim, call 800-229-9151 to be directly connected with a claims agent—no prompts are required. Agents are available 24/7 to assist you.
- Track Your Claim: After filing, you may need to provide details such as your policy number, accident date, and location. A police report may also be required. You can track your claim status by logging into your online account.
Signing up with the cure car insurance is simple, and managing your claims is just as easy. By focusing on your driving history, you can get a fair rate that’s based on your responsibility behind the wheel. If you need assistance, Cure customer service hours ensure you’re supported 24/7.
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Cure Auto Insurance Key Benefits Review
CURE App: The CURE app helps manage policies, view digital ID cards, and make payments. It also lets users file claims easily. If you want to provide insurance review, this app gives you real-time access.
CURE Roadside Assistance: CURE offers 24/7 roadside help for flat tires, dead batteries, and towing needs. Policyholders can call for immediate support, ensuring they’re never stranded in an emergency. Assistance is always available.
CURE Auto Insurance in NJ, PA, and MI: CURE offers fair-priced coverage in NJ, PA, and MI, focusing on driving records instead of credit or job status.
Employee Benefits: CURE provides free life and accident coverage for employees. They can also buy extra term life and AD&D insurance for added security, ensuring financial protection for themselves and their families.
Cure Auto Insurance Review: What You Need to Know
In this Cure auto insurance review, we look at how the company offers affordable coverage based on driving history, not credit scores. Many drivers find cure insurance quotes competitive, especially for basic coverage, making it an excellent choice for those with good driving records.
While affordable, some fully covered insurance reviews mention mixed experiences with customer service, especially claims. For those looking to lower costs, check out the 17 best tips to pay less for car insurance for valuable money-saving strategies. Start comparing total coverage auto insurance rates by entering your ZIP code here.
Frequently Asked Questions
What factors should I consider when choosing between Cure Auto Insurance and Geico?
Geico offers various discounts and a mobile app, while Cure provides lower premiums for drivers with clean records, especially in specific states. Read more in our everything you need to know about Geico.
How can I save on my CURE Auto Insurance?
Save with discounts for good driving, good students, multi-car policies, and more. Use our free comparison tool to see what auto insurance quotes look like in your area.
Does CURE provide roadside assistance?
Yes, CURE includes 24/7 roadside assistance for flat tires, dead batteries, and emergencies with all policies.
Are there any hidden fees with CURE Auto Insurance?
No, CURE boasts transparency and no hidden charges, with an emphasis on simple pricing.
Can I manage my policy online with CURE?
Yes, CURE offers online tools to manage your policy, make payments, and update information at any time.
How do Cure Auto Insurance’s rates compare to Allstate?
While Allstate offers more coverage options and discounts, Cure provides competitive pricing, especially for drivers with clean driving records. Look at our Allstate auto insurance review for expanded insights.
What types of drivers are eligible for coverage with CURE?
CURE provides coverage for a wide range of drivers, including those with spotless driving records, regardless of their occupation or credit score.
Does CURE Auto Insurance offer coverage for high-risk drivers?
Yes, CURE offers affordable coverage even for high-risk drivers, unlike some competitors who may raise rates due to your driving history.
How easy is it to get a quote from CURE?
CURE makes getting a quote quick and easy with an online system that provides next-day coverage once you apply. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Does Cure Auto Insurance cover exotic or luxury cars?
Cure may not offer specialized coverage for exotic or luxury cars, so it’s better to consider providers like Allstate or Geico for these types of vehicles. Explore our everything you need to know about luxury and exotic car insurance for more insights.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
