CURE Auto Insurance Review

Interested in finding out more about CURE auto insurance? Read our review to see if the company that offers insurance in New Jersey, Pennsylvania & Michigan is right for you!

CURE Auto Insurance Review
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Quick Info

  • Name: CURE Auto Insurance
  • Address: 214 Carnegie Center, Suite 101, Princeton, NJ 08540
  • Phone: 800-535-CURE (2873)
  • About: CURE stands for Citizens United Reciprocal Exchange.
  • CURE is a direct writer of auto insurance policies.

About CURE

CURE Auto Insurance is a non-profit auto insurance company that primarily serves New Jersey and Pennsylvania and claims to have serviced more than 1,000,000 drivers.

The company was founded in 1990 by a group of NJ Citizens who were dissatisfied with the cost of auto insurance in the state and formed their own company to help drivers find affordable rates based on how they drive.

CURE is known for offering affordable car insurance premiums to drivers with clean driving records. This means that those with below-average credit and exceptional driving records are likely to see lower rates with CURE than with other providers.

However, as always, there are other factors that come into play. Read on to see what I mean.

Is CURE A Legit Car Insurance Company?

Absolutely! Not only do they hold an A+ record at the Better Business Bureau, they've insured more than 1,000,000 drivers in the states they operate in.

While some have claimed that CURE has a long claims process and frustrating customer service, the reality is that one of the biggest knocks on this company is that they aren't in more locations!

That says a lot about a company when your primary complaint is that you don't live in the area they service.

While they're well known for offering lower rates based on how you drive, that doesn't mean they are the cheapest car insurance company out there. Far from it.

However, if you compare CURE to say a standard captive carrier like State Farm or Nationwide, chances are you'll find a lower rate if you have a great driving record. That being said, companies like GEICO & Progressive (non-standard insurers) are known for providing rock-bottom rates, so it's possible that you could find a lower rate with those companies; but we'd still hesitate to say CURE couldn't be competitive.

It's important that you compare car insurance rates at least every 6 months to make sure you're paying a fair price. No one wants to pay more than they have to for coverage!

CURE Coverage Types & Discounts

CURE Auto Insurance offers several types of coverage, including liability, collision, comprehensive, personal injury protection (PIP), and uninsured/underinsured motorist coverage.

The above are common coverages throughout the entire industry as liability is required by law, comprehensive & collision are extra (optional, but required if you have a lienholder on the vehicle), PIP is required in some states as is UI/UIM, though in many states they are optional (but recommended!) coverages.

Check your state requirements to see your minimum required coverage.

They also offer some pretty nice discounts, including:

  • Continuous insurance discount
  • Multi-car discount
  • Safe driver discount
  • Good student discount
  • Passive restraint discount
  • Anti-theft discount

Some additional coverage options offered by CURE include pet injury coverage, personal property coverage, emergency roadside assistance and a mileage discount. The mileage discount applies to policyholders who drive fewer than 7,500 miles per year, which is below the typical average of 12,000 miles per year (1,000 miles per month, or around 33 miles per day)

While all insurers use your location, age, sex &  driving history as the primary factor when determining insurance premiums, that's basically all CURE uses, unlike many insurers that soft pull credit scores and factor homeownership to set your insurance premium, CURE doesn't (neither does Root!) as both feel this amounts to income discrimination and prefers to evaluate your risk of getting into an accident over your current financial status.

That's what I would call fair. Judge me based on how I've driven, not how high my credit score is or whether I happen to own a home!

According to Value Penguin: When it comes to married couples, rates at CURE are generally more expensive compared to the state average and even more costly than some competitors such as Geico or Progressive. For instance, Geico is 60% cheaper than CURE for a 35-year-old married couple, while Progressive is 29% cheaper.

I'm not sure how valid this information still is, or will ever be considered the fluctuation of rates from quarter-to-quarter and the overall state of the car insurance market.

In terms of the basic coverage package, CURE offers the following coverage for New Jersey drivers:

  • $5,000 property damage coverage limit
  • $15,000 PIP medical expense coverage limit
  • $10,000 extended medical expense benefits coverage limit
  • The limitation on lawsuit threshold
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CURE Ratings

CURE has received high marks from several industry experts, including:

  • A 4.5-star rating from Clearsurance
  • A 4.1-star rating from WalletHub
  • A 3.9-star rating from MoneyGeek
  • A 3.8-star rating from Bankrate

CURE also maintain an A+ rating with the BBB, and JD Power awarded them "Highest Customer Satisfaction Among Auto Insurers in the Mid-Atlantic Region" award in 2018 and 2019.

Now, saying all of this, if you do even a cursory web search on CURE ratings, BBB or reviews you'll notice a lot of people hitting the comment section with 1-star ratings for customer service and other normal issues.

However, I take 1 star reviews with a grain of salt. You should really read them to evaluate whether you feel they're honest reviews or customers venting because they didn't like the outcome, the claims process, or customer service in general.

Not always are poor reviews the sole fault of a company.

Current Job Openings

Are you interested in working at CURE? If so they're hiring for all sorts of insurance-related, customer service & operations positions.