CURE Car Insurance Review for 2024 [Find Savings Here]

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

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 Criteria
Overall Score	2.8
Business Reviews	3.0
Claim Processing	1.8
Company Reputation	3.0
Coverage Availability	1.5
Coverage Value	2.9
Customer Satisfaction	2.5
Digital Experience	2.5
Discounts Available	2.0
Insurance Cost	3.7
Plan Personalization	2.5
Policy Options	3.1
Savings Potential	3.2

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.

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

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.

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

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 Company	Minimum Coverage	Full Coverage
	$61	$160
	$69	$143
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
	$22	$59

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.

CURE Auto Insurance continues to fight against discriminatory practices when determining insurance rates.#CUREAutoInsurance #DriveWellhttps://t.co/M0DKQHR65l

— CURE Auto Insurance (@CUREInsurance) March 12, 2020

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 Company	Clean Record	One Ticket	One Accident	One DUI
	$130	$150	$170	$190
	$120	$140	$160	$180
	$128	$148	$168	$188
	$110	$130	$150	$170
	$135	$155	$175	$195
	$118	$138	$158	$178
	$125	$145	$165	$185
	$115	$135	$155	$175
	$122	$142	$162	$182
	$105	$125	$145	$165

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 Name
Homeowner	17%
Safe Driver	15%
Senior Citizen	15%
Affinity	12%
Military	11%
Good Student	10%
Multi-Vehicle	10%
Renewal	10%
Welcome Back	10%
Prior Coverage	9%

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.

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 Options

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

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

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

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

Comment
byu/ConfusedNegi from discussion
inDetroit

A Reddit user talked about their experience with Cure Insurance, saying it is cheap, costing around $100 each month for one car with basic coverage only. But the user was unhappy and mentioned that basic coverage has limits, especially because there is no protection if they get into an accident.

The comment also shows annoyance about the high price of more complete options, making them want to move to a state where insurance might be cheaper. This review highlights how important it is to find a balance between cost and good coverage when picking an insurance company.

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.

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. Enter your ZIP code into our free comparison tool to find the lowest insurance prices in your area.