If you are seeking auto insurance but have a low credit score or other conditions, it may be difficult to find affordable coverage. However, in contrast to most other insurers, CURE Auto Insurance places much more importance on a driving record than it does on other aspects. This results in lower premiums for safe drivers with poor credit histories or anything else that may make them unattractive to most insurance companies. Therefore, to assist you in making a choice, we conduct reviews of it and its coverage, discounts, and other interesting aspects. This insurance might be the appropriate choice for you.
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Company’s Overview: Website

CURE Auto Insurance is a company that was founded in the 1980s as a nonprofit organization. Genuinely, its name stands for “Citizens United Reciprocal Exchange.” Importantly, it was established to give favorable insurance prices to drivers who may not be the most desirable to other insurance companies. This was the primary motivation for the company’s founding. This is because some people have a job that requires them to drive a lot, but they do not own a home, or their credit score is not very high.
Therefore, to help these people, CURE bases the cost of its premiums primarily on a motorist’s driving record. As a result, safe drivers are rewarded with affordable rates even if they do not match the standard requirements for low insurance premiums. This is done to encourage safe driving.
However, you should remember that only drivers in the states of Pennsylvania and New Jersey can purchase insurance from this company.
CURE Auto Insurance Packages

Generally, CURE provides two different packages: Basic Car Insurance and Standard Car Insurance. Let’s have a look at the offering by this auto insurance below.
Basic Car Insurance
The Basic Car Insurance package includes coverage for a maximum of the following:
- $10,000 in additional coverage for medical expenses
- Coverage of $15,000 for PIP expenses
- Coverage for property damage totaling $5,000
- Drivers can also purchase up to $10,000 more in bodily injury liability coverage and personal injury protection for themselves and their passengers.
Standard Car Insurance
Standard Car Insurance, as opposed to Basic Car Insurance, does not come with a predetermined selection of coverage options. Instead, drivers have the freedom to choose and choose from a variety of common insurance alternatives, including comprehensive insurance, collision coverage, personal injury protection, and liability coverage. Moreover, towing and labor coverage, as well as extended transportation coverage, are two of the non-standard auto insurance policy add-ons.
CURE Auto Insurance Coverages

Normally, CURE provides the many forms of coverage offered as follows.
Medical payments (MedPay)
You and your passengers will be reimbursed for medical expenses incurred as a result of an auto accident, regardless of who was at fault.
Liability (BI/PD)
If you cause harm to another person or their property, your premiums will be paid for by this coverage. It includes responsibility for both injuries to people and damage to property.
Collision
In the event of an accident involving your vehicle, this will pay for repairs or replacements.
Comprehensive
This protects you from paying for repairs to your car that are not the result of an accident. Theft, vandalism, natural disasters, civil unrest, and other causes of damage are all compensated for by comprehensive insurance.
Personal injury protection (PIP)
You will not have to worry about paying for medical care or other costs associated with your injury because this will be covered.
Uninsured/Underinsured Motorist (UM/UIM)
This defends you in the event of an accident with a driver who does not carry adequate insurance and cannot pay your damages.
CURE Auto Insurance Customer Service

CURE is a relatively tiny insurance provider that is only accessible to customers in two states. Therefore, AM Best and J.D. Power do not grade it since it is small when compared to their other companies.
Besides, the Better Business Bureau reported that there had been 18 resolved complaints against CURE Auto Insurance in the previous three years. Many of the comments on the website mention the length of the procedure is relatively slow, and the ability to reach customers’ problems is relatively inefficient. Therefore, even though CURE has many benefits, there might be some drawbacks to it.
Cost

The nationally representative average for the cost of CURE is $1,427 per year. The total cost of auto insurance varies from state to state and is determined by a number of criteria as follows.
- Age 30 to 49 (married couple) – $2,541
- Age 25 (female, unmarried) – $612
- Age 30 (male, unmarried) – $1,545
- Age 65+ (senior couple, married) – $1,384
Discount

Genuinely, CURE Auto Insurance prices are only more affordable for a group of drivers. However, it offers the following discounts to reduce your rate the following:
Loyal Customer: If you have been a CURE member for two years, this discount may be available to you.
Parking Discount: You are eligible for this additional discount if you park in a driveway or parking garage as opposed to an area exposed to the elements.
Multi-Vehicle: By insuring multiple vehicles, you may be eligible for a discount on collision coverage. If you have maintained a spotless driving record for the past three years, you may be eligible for a large discount.
Pros
- Insurance premiums are based solely on driving records, not credit scores, education, or occupation.
- It provides roadside aid protection.
Cons
- It is only available in Pennsylvania and New Jersey.
- It has no online claims processing.
- Its customer service is quite poor.
Is Cure Auto Insurance a Worth Insurance to Get?

If you are especially looking for auto insurance companies that do not check credit scores, you will find that your options are limited. This is because credit is a common rating component in the majority of states. However, if you have a terrible credit history, CURE is a good fit for your requirements.
Conclusion
In short, CURE Auto Insurance is an excellent option for you to consider if you have a bad credit score or if your employment precludes you from receiving auto insurance. People who have never been in an accident while driving are likewise good ones for this option. However, one disadvantage of purchasing auto insurance from CURE is that the company will only insure drivers who live in the states of New Jersey or Pennsylvania.
Importantly, on their website, you can find additional details regarding the coverage that their auto insurance provides. You have to use this review of CURE Auto Insurance as a guide, but make sure to compare quotes before making a choice.
FAQs
Cure Auto Insurance is a regional insurance provider with offices in Pennsylvania, New Jersey, and Maryland. It provides a variety of insurance products, including as auto, house, and renters insurance.
Cure Auto Insurance is a reliable firm that has been in operation for more than 30 years. A.M. Best has assigned it an A- rating, showing its financial stability and capacity to pay claims.
You can cancel your Cure Auto Insurance insurance by calling their customer service line or sending a written letter. Remember that canceling your insurance may result in costs or penalties, so carefully read the terms and conditions of your policy.
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