CURE insurance review 2025
Policyholders with lower credit in Michigan, New Jersey or Pennsylvania may want to get a quote from Citizens United Reciprocal Exchange, or CURE for short. CURE does not consider credit history, occupation or education level when setting insurance rates. CURE only offers auto policies, so it might not be the best fit for someone looking to handle all their insurance needs with one company.
-
AutoAvg. annual premium for full coverage N/AAvg. annual premium for min coverage N/A
Compare CURE with other insurers
If you’re still unsure whether CURE is the right company for you, it may be helpful to compare it to a few different carriers. Keep in mind that CURE is focused primarily on auto insurance and does not offer other insurance products, as many larger companies do.
|
Featured
Cure
Not scored
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
|
State Farm
4.4
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.5Coverage 4.2Support 4.6 |
Progressive
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.8Coverage 4.3Support 4.3 |
|---|---|---|
|
OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
|
||
|
Although its coverage offerings are fairly limited compared to national insurance companies, drivers with poor credit may be interested in a quote from CURE. On its website, CURE states that it does not consider a driver's education, occupation or credit when setting rates, in an effort to base its insurance prices on driving performance above all else. That said, the company drew a significantly higher volume of complaints compared to other companies of its size.
Read More
|
Over the years, State Farm has won Bankrate Awards for auto, home and life insurance thanks to the company’s highly rated customer service, accessible agents, digital tools and competitive premiums. Those who like to keep their financial business centralized may appreciate that State Farm also offers banking and investment services, unlike CURE, which only offers car insurance.
Read More
|
Progressive is known in the auto insurance industry for writing policies for high-risk drivers and offering competitive rates. In Michigan and Pennsylvania, Progressive car insurance rates are below the state average, according to Bankrate's analysis of average rates from Quadrant Information Services. However, Progressive's rates are slightly above average in New Jersey. Like State Farm, Progressive offers other insurance lines like home and life policies.
Read More
|
|
STANDOUT FEATURES
These features are some of the carrier’s most impressive
|
||
|
Only offers auto insurance
Roadside assistance included
High number of complaints with the NAIC
|
Offers home and life insurance
Network of local agents
Above-average auto satisfaction scores from J.D. Power
|
Highly rated digital tools
Long list of discounts
Below-average auto satisfaction scores from J.D. Power
|
|
AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
|
||
| No rates available | $2,676 |
$2,189 |
|
J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| Not Scored |
710/1000 |
672/1000 |
|
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
|
||
| No rates available |
$2,186 |
$2,711 |
|
J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
| Not Scored | 661/1000 |
697/1000 |
|
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
|
||
| Not Scored |
A++(Superior) |
A+(Superior) |
CURE car insurance review
CURE auto insurance, or the Citizens United Reciprocal Exchange, is a New Jersey-based auto insurer that calculates insurance rates in a different way than most companies. In setting premiums, CURE primarily considers non-economic factors like a policyholder’s driving record rather than their credit history, occupation or education level.
CURE offers basic car insurance coverage in Michigan, New Jersey and Pennsylvania. CURE’s car insurance coverage offerings are fairly limited, with standard options including bodily injury and property damage liability, comprehensive coverage, collision coverage and personal injury protection (PIP). A somewhat uncommon bonus, its policies come with roadside assistance, as well. Collision coverage is available at three different levels:
-
Broad collision, which applies a deductible only if you’re more than 50 percent at fault for an accident
-
Standard collision, which always has a deductible
-
Limited collision, which will only pay for damage to your vehicle if you were less than 50 percent at fault for an accident
Pros and cons of CURE car insurance
While researching CURE, you may find it helpful to note some pros and cons to aid in your decision.
Pros
- Credit, occupation and education not used to set price
- Limited roadside assistance coverage is included in all auto policies
- Online payments and claims available
Cons
- Limited discounts and coverage options
- Only available in three states
- High rate of customer complaints
CURE car insurance cost
CURE’s policies may be appealing to drivers with poor credit histories, as CURE does not use credit as a rating factor. CURE also doesn't consider occupation or education level when calculating premiums. However, CURE’s average rates aren’t available, so you’ll need to request a personalized quote from CURE to estimate your potential costs.
Compare average car insurance rates
Keep in mind that auto insurance premiums are based on individual rating factors such as the make and model of your vehicle, the state you live in, your driving record, your claims history and the coverage you purchase, so the actual cost of a CURE insurance policy will differ for every driver. Below, Bankrate's insurance team compiled the average cost of car insurance in the three states where CURE sells policies.
| State | Avg. cost of full coverage per month | Avg. cost of minimum coverage per month |
|---|---|---|
| Michigan | $270 | $75 |
| New Jersey | $252 | $110 |
| Pennsylvania | $199 | $43 |
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The Bankrate Promise
Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about CURE?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
What policyholders are saying about CURE
CURE has 50 reviews
Dive into community reviews below and see what others think about CURE.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
