Cure Auto Insurance: Reviews, Ratings, Pros And Cons (2022)

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Advertiser Disclosure

If you’re looking for auto insurance and have a poor credit score or other factors that make it hard to get reasonable insurance rates, CURE Auto Insurance could be right for you. In this article, we’ll take a look at CURE Auto Insurance reviews, coverage, discounts, and more, to help you decide.

Unlike other insurers, CURE Auto Insurance places much higher importance on a clean driving record than other aspects, leading to lower rates for safe drivers with unfortunate credit histories or anything else that may make them unappealing to most insurance companies.

To help you with your search for car insurance, we’ve reviewed and compared the best car insurance companies in the insurance industry based on factors like financial strength, reputation, customer satisfaction, pricing, and coverage options. We will evaluate CURE on these factors below to see how it matches up to top auto insurers.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates.

 

In this article:

CURE Auto Insurance Overview

CURE stands for Citizens United Reciprocal Exchange and is a nonprofit company started in the 1980s. According to the Better Business Bureau (BBB), CURE Auto Insurance has been offering car insurance since 1990. The company only provides insurance to drivers in Pennsylvania and New Jersey.

CURE Auto Insurance was founded with the express purpose of providing favorable insurance rates to drivers who may not be the most appealing to other insurance companies. This could be due to an occupation that requires driving often, not being a homeowner, or having a low credit scpre. To counteract this, CURE bases the cost of its premiums primarily on a motorist’s driving record, thus rewarding safe drivers with reasonable rates even if they don’t meet the traditional criteria for low insurance premiums.

CURE Auto Insurance Costs and Discounts

Our research shows that the average driver pays around $1,732 per year for a comprehensive car insurance plan. With CURE Auto Insurance, it’s difficult to determine exactly how much an insurance package might cost because there are several factors that can affect your rate, such as:

  • Age
  • Location
  • Credit history
  • Deductible you choose
  • Driving history and habits
  • The car that you drive
  • Recent insurance claims (rates rise an average of 31 percent after a car accident claim)

We compiled data from several providers to show you the cheapest car insurance providers by state below. Our cost estimates are based on a 35-year-old married driver with a clean driving record and good credit history. 

 

CURE Auto Insurance Discounts

Our research shows that CURE auto insurance rates are only cheaper for some people. However, CURE offers a few discounts to help lower your rate, including:

  • Multi-vehicle: By insuring more than one car, you may be eligible for a collision coverage discount.
  • Good driving history: You might qualify for a significant discount if you’ve maintained a clean driving record for the past three years.
  • Loyal customer: If you’ve been a CURE policyholder for two years, you could be eligible for this discount.
  • Parking discount: If you park in a driveway or parking garage rather than an area exposed to the elements, you can qualify for this additional discount.

CURE Auto Insurance Coverage

CURE offers standard auto insurance coverages in two packages. Let’s take a look at the types of auto insurance coverage:

  • Liability (BI/PD): This insurance policy covers you against damages to other people and their property. It is made up of bodily injury liability and property damage liability.
  • Collision: This covers the cost of damages to your car in the case that you get into a collision with another car or an object.
  • Comprehensive: This covers you against any other damages to your vehicle that aren’t due to a collision. Comprehensive insurance covers damages due to theft, vandalism, natural disasters, civil disturbances, and more.
  • Medical payments (MedPay): This covers the costs of vehicle-related medical treatments for both yourself and your passengers, regardless of whether you or another driver is at fault in an accident. 
  • Personal injury protection (PIP): This covers medical treatment and other injury-related losses such as lost wages from days you were unable to work.
  • Uninsured/Underinsured Motorist (UM/UIM): This protects you in the case that you get into an accident with a motorist who doesn’t have sufficient insurance and consequently can’t cover your expenses.

CURE Auto Insurance offers two car insurance policy packages: Basic Car Insurance and Standard Car Insurance. Let’s take a look at each.

CURE Basic Car Insurance

The Basic Car Insurance package from CURE provides up to:

  • $10,000 in extended MedPay coverage
  • $15,000 in PIP coverage
  • $5,000 in property damage coverage

Motorists can also opt to take out up to an additional $10,000 in bodily injury liability coverage and personal injury protection.

CURE Standard Car Insurance

Unlike the Basic Car Insurance package, Standard Car Insurance doesn’t come with a set offering. Instead, motorists can pick and choose from standard insurance options like comprehensive insurance, collision coverage, PIP, and liability coverage.

CURE Auto Insurance also offers some non-standard auto insurance policy add-ons like towing and labor coverage and extended transportation coverage.

CURE Auto Insurance Reviews

CURE Auto Insurance is currently no rated by the BBB. There are only two CURE Auto Insurance reviews from customers on the BBB, but there have been about 5 customer complaints filed in the past 3 years. CURE Auto Insurance has 3.7 out of 5.0 stars on Google Reviews with over 1,200 customer reviews. There are a few negative CURE Auto Insurance reviews regarding poor experiences with insurance claims and customer service, but the owner of CURE has responded to deal with each complaint. 

Let’s take a look at some CURE Auto Insurance reviews from customers:

Positive CURE Auto Insurance Reviews

“CURE is hands-down the most affordable insurance. It blows even other companies’ best rates out of the water! Luckily, I haven’t needed to use them for an accident, but I did have one claim against me when a strong wind blew my car door into someone else’s. CURE covered it, didn’t raise my premium, and my only involvement was just one phone call from them to confirm the details.” 

– Lindsey via Google Reviews