I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Written by Chris Huntley
Founder of Huntley Wealth & Insurance Services Chris Huntley

Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Mar 20, 2022

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Here's the Scoop

  • CURE Auto Insurance is a nonprofit company offering car insurance policies in three states
  • Car insurance rates from CURE are solely based on driving-related factors
  • CURE stands for Citizens United Reciprocal Exchange

The Citizens United Reciprocal Exchange, better known as CURE Auto Insurance, is a nonprofit company. It sells car insurance policies in Michigan, New Jersey, and Pennsylvania. The formula that CURE uses to calculate auto insurance rates distinguishes it from other companies in the industry.

CURE does not use what it considers to be discriminatory factors when determining rates. As a result, your credit score, occupation, and income level do not impact your CURE car insurance costs. Instead, the company primarily bases rates on your driving record.

In this CURE auto insurance review, learn how to request a quote, read about the claims process, and compare customer and financial evaluations to help you determine if this company can offer you cheap car insurance.

What is CURE Auto Insurance?

CURE Auto Insurance uses a not-for-profit model to offer responsible drivers affordable auto insurance rates. This company believes that everyone deserves fair rates solely based on relevant driving factors. Part of its mission is also to educate the public regarding this process.

CURE car insurance rates are never based on what the company considers discriminatory factors, like your credit score, education level, or income and occupation.

Currently, CURE only operates in Michigan, New Jersey, and Pennsylvania.

Safe drivers living in these states may receive competitive rates from CURE. However, high-risk drivers — or people with poor driving records — will likely receive higher than average quotes from this company.

Regarding coverage options, CURE offers liability insurance and collision and comprehensive coverage. Plus, personal injury protection (PIP) insurance and uninsured or underinsured motorist protection are also available.

Optional policy add-ons from CURE include rental car reimbursement. As a customer benefit, all CURE policies also include roadside assistance services.

To access CURE roadside assistance at any time of day, call 1-866-522-1991.

However, there is no CURE mobile app available for customers to use. Instead, there’s a user portal on the company website that allows you to sign in and create a log-in based on the state in which you reside.

In the portal, you can pay your bill, make policy changes, and view your policy documents. You can also pay your bill through the mail, by phone, or via a third-party payment option available on the company website. If you elect to pay online, a service fee applies.

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How do you request quotes from CURE Auto Insurance?

Interested customers can request CURE auto insurance quotes on the company website or over the phone. You can call the CURE insurance phone number at 1-800-535-2873.

If you utilize CURE’s online quote form, you must provide a valid email address and ZIP code.

The company also requests that you provide driver’s licenses and the complete driving record and accident history for all drivers on your policy, including the vehicle identification number for all cars that you want to insure. However, your quoted rate is subject to change based on information obtained by driving records and historical claims reports.

Even if you submitted your original quote application online, you must call the CURE Auto Insurance phone number to finalize your purchase.

What are the average CURE auto insurance rates?

Unfortunately, average rates from CURE are not publicly available at this time. But if you request a quote, compare it to the average cost of coverage in the state where you reside.

The table below reveals the average annual auto insurance expenditures in the three states where CURE operates, with data from the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State

StateAverage Annual Auto Insurance Expenditures
Michigan$1,495.94
New Jersey$1,395.53
Pennsylvania$992.33
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While many factors impact your auto insurance rates, like your age and ZIP code, CURE heavily weighs your driving record and claims history.

So safe drivers and people who haven’t filed many claims in the past should consider adding this company to their comparison shopping list. However, people with poor driving records may be denied coverage.

Regardless of your driving record, it’s always wise to compare quotes online from multiple companies to secure your best rates.

How do you file auto insurance claims with CURE?

To file CURE car insurance claims, you can call the 24-hour claims department phone number at 1-800-535-2873.

The claims representative assigned to your case can help answer all of your questions and walk you through the entire process.

But, for glass or windshield replacement claims, CURE partners with Safelite Auto Glass. If you invest in comprehensive coverage and experience windshield damage, you may file a claim by calling Safelite Auto Glass directly at 877-664-8931. When asked for a claim number, provide them with your policy number and the date of loss.

Safelite bills CURE automatically if the cost of the windshield damage exceeds your deductible.

Unfortunately, some CURE customers negatively rate the claims department. Some drivers mention that claims take a long time to process and close. Keep this in mind while considering CURE as your auto insurance company.

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Does CURE offer any auto insurance discounts?

CURE does not advertise any car insurance discounts on the company website. However, this does not necessarily indicate that no rate reductions are available. Some online customer reviews mention various discounts, so it’s worth asking a customer service representative about available savings opportunities if you purchase a CURE auto insurance policy.

Standard car insurance discounts to look for include safe driver, multi-car, paperless, and group or membership discounts. You might earn rate reductions based on anti-theft devices or other safety technology installed either in or on your vehicle.

But understand that discount availability and savings amounts typically vary by state.

What are the CURE Auto Insurance ratings and reviews?

Analyzing an insurance company’s financial ratings and customer reviews allows you to determine how efficient and reliable the company is before committing to an actual policy.

At this time, CURE has not been evaluated by A.M. Best, so we cannot comment on its financial outlook. However, it is registered as an admitted carrier in New Jersey.

How do real customers feel about their experience using CURE?

Fortunately, this company has a decent complaint index ratio, according to the National Association of Insurance Commissioners (NAIC). The median is always set to 1.00, and CURE earned a 2.11, indicating that the company received twice as many customer complaints as the median.

Many online CURE auto insurance reviews from real customers are positive. People primarily mention kind and thoughtful customer service interactions and appreciate the affordable rates.

Most negative reviews for CURE typically mention a slow claims process.

Remember, inexpensive rates aren’t the only benefit to seek in a good car insurance policy. Keep these CURE customer reviews in mind while shopping for your best coverage.

What is the history of CURE Auto Insurance?

Headquartered in Princeton, CURE Auto Insurance was established in 1990 as a non-profit in response to the struggling auto insurance market in New Jersey throughout the 1980s.

Since the beginning, CURE’s mission has been to create fairer underwriting practices utilizing only relevant driving factors.

According to the current President and COO of CURE, Eric Poe, drivers in New Jersey paid the highest rates for car insurance at the time. But due to low profitability and legislative restraints, many companies were reluctant to write new policies.

So Dr. Lena Chang and Jame Sheeran, a former Insurance Commissioner of New Jersey, established the Citizens United Reciprocal Exchange (CURE).

The company did not expand into Pennsylvania until 2008. In 2021, CURE began offering services in Michigan as well.

Eric Poe is credited as the catalyst for banning the use of education and occupation as income proxies in the auto insurance industry. He was instrumental in prohibiting the practices in both New York and Michigan.

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CURE Auto Insurance: The Bottom Line

If you live in New Jersey, Pennsylvania, or Michigan and have a clean driving record, consider requesting an auto insurance quote from CURE. Real customers highly rate this company, and it only uses driving-related factors to determine your rates.

However, you won’t have access to a convenient mobile app like some other best car insurance companies offer. Plus, some drivers are dissatisfied with the CURE claims department.

People with unfavorable driving records, or who’ve recently filed many claims, won’t receive competitive rates from CURE. You may even be denied coverage. So if you’re a high-risk driver, compare quotes from other auto insurance companies that cater more to drivers like you.