CURE Car Insurance Review for 2024 [See if They’re a Good Fit]

Read our CURE car insurance review to find out why this provider stands out for its simple policies and customer-centric approach.

CURE has the best car insurance in Pennsylvania, New Jersey, and Michigan, where it offers flexible options and robust support to local drivers who need basic coverage at an affordable price. But it’s only available in those three states.

CURE Car Insurance Rating

Keep reading to explore the pros and cons of choosing CURE car insurance, including unique programs tailored for high-risk drivers.

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Comparing CURE Car Insurance Rates vs. The Competition

Younger drivers typically face higher car insurance costs, and CURE charges teens and young drivers much more than older drivers.

CURE Car Insurance Monthly Rates by Age, Gender & Coverage Level

For example, 16-year-old males have the highest monthly rates, starting at $314 for minimum coverage and $528 for full coverage. In contrast, 45-year-old males enjoy much lower rates, with minimum coverage at just $69/month and full coverage at $143/month.

While it provides affordable options for many age and gender groups, comparing CURE car insurance rates with those of top competitors ensures drivers make the most cost-effective choice.

Where can you get cheap full coverage car insurance? This table shows how CURE is more affordable than some of the best car insurance companies.

CURE Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 60 Female	Age: 60 Male
	$448	$519	$168	$176	$162	$160	$150	$154
	$240	$275	$105	$110	$90	$93	$85	$88
	$220	$254	$90	$87	$80	$80	$73	74
	$626	$626	$174	$200	$171	$174	$148	$159
	$522	$626	$174	$200	$171	174	$148	$159
	$591	$662	$131	$136	$112	105	$92	$95
	$229	$284	$94	$103	$86	$86	$76	$76
	$530	$740	$99	$108	$98	99	$89	$90

CURE car insurance rates vary based on age and gender, offering competitive pricing that can stand out against top competitors. Analyzing these rates helps drivers understand where they might find the best value for their specific profile.

Comparing CURE Car Insurance Rates by Driving Record

Cure Auto Insurance focuses on providing affordable car insurance to all types of drivers, no matter their driving or credit history, making it a competitive choice if it’s available in your area. Many factors affect car insurance rates, and CURE Auto Insurance adjusts its monthly rates significantly based on an individual’s driving record.

The following table illustrates how past incidents such as accidents, DUIs, or tickets can impact both minimum and full coverage costs, compared to rates for those with clean records.

However, car insurance companies judge driving records differently. CURE Insurance offers varying monthly rates influenced by driving records, so it’s crucial to compare it with other providers.

CURE Car Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$160	$225	$270	$188
	$117	$176	$194	$136
	$160	$167	$170	$200
	$139	$198	$193	$173
	$80	$132	$216	$106
	$174	$234	$313	$212
	$115	$161	$237	$137
	$105	$186	$140	$140
	$86	$102	$112	$96
	$99	$139	$206	$134

CURE not only has cheaper car insurance rates for high-risk drivers after a speeding ticket or DUI, but it also won’t increase rates as high as other companies after one incident.

Unlocking Savings With CURE Car Insurance Discounts

CURE Auto Insurance offers a range of discounts designed to reduce the cost of car insurance for eligible drivers. The most popular discounts reward safe driving and policy bundling.

CURE Car Insurance Discounts

Multi-policy bundle discounts are one of the simplest ways to save on car insurance, rewarding you for keeping multiple policies with CURE. This shows loyalty to your insurer, which often leads to even more savings when it’s time to renew.

By leveraging CURE’s discounts, policyholders can significantly reduce their insurance costs while maintaining comprehensive coverage.

Exploring CURE Car Insurance Coverage Options

CURE car insurance offers a variety of coverage options, including basic liability and uninsured motorist protection. What does car insurance cover? This table explains the types of insurance CURE offers and when drivers might need it:

CURE Car Insurance Coverage Options

Choosing the right coverage with CURE means selecting a plan that aligns perfectly with your personal and financial requirements.

With flexible coverage options and 24/7 roadside assistance, CURE caters to a wide range of insurance needs. Unfortunately, it lacks some popular add-ons you often see with larger providers.

Understanding CURE Insurance Ratings & Reviews

CURE customer service reviews and insurance ratings reflect a mix of customer satisfaction and coverage reliability. It does not operate like a typical for-profit insurance company but as a cooperative business where policyholders pool their premiums. This is why it doesn’t have an A.M. Best rating.

CURE Insurance Business Ratings & Consumer Reviews

Agency
	Score: 790 / 1,000 Avg. Satisfaction
	Score: B Fair Business Practices
	Score: B Fair Financial Strength
	Score: 1.20 More Complaints Than Avg.
	Score: 68/100 Mixed Customer Feedback

It also receives five times more customer complaints, although experiences vary by state. Local Reddit users report positive experiences with premiums and customer service agents, with a few negative claims reviews. While customer reviews are generally positive, especially regarding premiums and service, its claims process could be riskier due to its unique business structure.

The comments reflect overall positive feedback for CURE Auto Insurance, with users praising its affordable rates and excellent customer service. However, one user hinted at potential concerns regarding privacy practices, sparking curiosity from others.

Read More Reviews: Best Car Insurance in New Jersey

CURE Insurance Pros and Cons

Always consider the pros and cons of each company before buying car insurance. Here’s a quick look at the key benefits of CURE Auto Insurance to help guide your decision:

• Competitive Rates: CURE is cheaper than most of its competitors, especially for drivers with speeding tickets or DUIs.
• SR-22 Insurance: CURE files SR-22 car insurance for higher-risk drivers who need it.
• No Credit Checks: CURE doesn’t use credit scores for determining rates.

Despite its strengths, one of the biggest drawbacks is that CURE is only available in three states. If you don’t live or drive in Michigan, New Jersey, or Pennsylvania, CURE car insurance is not available to you.

These are more risks to look out for when comparing CURE against other local car insurance companies in your area:

• No Online Quotes: CURE requires phone or in-person contact for quotes, which can be inconvenient for some.
• No A.M. Best Rating: This raises concerns about financial stability
• Mixed Reviews: Customer experiences vary widely across the three states.

When evaluating CURE Auto Insurance Company, it’s important to weigh both the advantages and potential drawbacks to determine if it’s the right fit for your needs.

Choosing CURE Auto Insurance Company

While available only in Michigan, New Jersey, and Pennsylvania, CURE offers competitive pricing. It stands out for its focus on affordability and straightforward policies, particularly for drivers seeking basic coverage without using credit scores.

However, younger drivers may face higher premiums, and the cooperative structure may present some risks when it comes to filing a car insurance claim after an accident.

Overall, CURE provides a solid option for drivers looking for no-frills, budget-friendly coverage, but comparing rates with other providers is essential to ensure the best value for your individual needs.

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