CURE Auto Insurance Review [2025]
CURE Auto Insurance offers a distinct approach to determining rates, focusing on factors like driving record rather than credit score or education level, making it an appealing choice for those seeking fair and personalized coverage, albeit limited to Pennsylvania, Michigan, and New Jersey.
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Table of Contents
Table of Contents
Professor of Nutrition & Kinesiology
Melissa Morris has a BS and MS in exercise science and a doctorate in educational leadership. She is an ACSM certified exercise physiologist and an ISSN certified sports nutritionist. She teaches nutrition and applied kinesiology at the University of Tampa. She has been featured on Yahoo, HuffPost, Eat This, Bulletproof, Vitacost, LIVESTRONG, Toast Fried, The Trusty Spotter, Best Comp...
Melissa Morris
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Eric Stauffer
Updated April 2024
CURE only offers car insurance coverage in Pennsylvania, Michigan, and New Jersey. The company offers reasonable rates if you have a clean driving record, and customers will not pay more if they have bad credit or a lower level of education.
Unfortunately, CURE’s lack of availability throughout the U.S. means it’s not an option for most drivers. As you search for auto insurance in your state, you should find and compare auto insurance rates from multiple companies. Comparing rates will help you purchase the coverage you want at a price that works for you.
What You Should Know About CURE Auto Insurance
Believe it or not, most car insurance companies consider your credit score when determining your auto insurance rates. Therefore, if you have bad credit, you will likely pay more for coverage because you pose more of a risk of filing a claim.
Fortunately, CURE auto insurance does not increase a person’s rates just because of a low credit score. CURE does not consider a person’s credit score or education level when determining auto insurance rates.
Instead, CURE car insurance rates are based almost solely on a person’s driving record. So, if you have a clean driving record, you will pay less for coverage with CURE than you may with some other companies in your area.
Unfortunately, CURE only offers car insurance coverage in Pennsylvania, Michigan, and New Jersey. Still, you may be able to find cheap auto insurance with other providers if you shop online and compare quotes from multiple companies. Comparing quotes can help you find the coverage you need at a price that works with your budget.
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CURE Auto Insurance Coverage Options
CURE offers the standard auto insurance coverage you may expect from any car insurance provider, including:
- Property damage liability
- Bodily injury liability
- Collision insurance
- Comprehensive insurance
- Uninsured/underinsured motorist coverage
- Personal injury protection (PIP)
- Medical Payments (MedPay)
- Roadside assistance
You can purchase minimum and full coverage insurance with CURE. Unfortunately, CURE does not offer many add-on coverage options for its customers. So, if you want to customize your car insurance, CURE may not be your best company.
While CURE allows its policyholders to choose their coverage levels, the company offers a specific car insurance package to its customers in New Jersey. Learn more about standard vs. non-standard auto insurance.
CURE Auto Insurance Rates Breakdown
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| Driver Profile | Cure Auto | National Average |
|---|---|---|
| Clean Record | $221 | $119 |
| 1+ Ticket | $267 | $147 |
| 1+ Accident | $342 | $173 |
| DUI | $442 | $209 |
| Poor Credit | $380 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
The average cost of a CURE car insurance policy is around $1,732 annually or $144 per month. Still, the amount you will pay for your CURE car insurance policy depends on factors like your driving record, age, location, car make and model, and coverage type.
The company’s availability is quite limiting, so you’ll need to speak with a company representative if you live in a state where CURE auto insurance is sold. Once you determine your car insurance rates, you can ask about any discounts or additional ways to save on coverage. Learn why your auto insurance may be high.
CURE Auto Insurance Discounts Available
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| Discounts | Cure Auto |
|---|---|
| Anti Theft | 13% |
| Good Student | 14% |
| Low Mileage | 11% |
| Paperless | 10% |
| Safe Driver | 13% |
| Senior Driver | 12% |
CURE offers a few discounts to its policyholders, including the following:
- Anti-theft device discount
- Defensive driving course discount
- Loss-free discount
- Bundle discount
- Safe parking discount
Some of CURE’s discounts can help customers save up to 25% on coverage, but the company has several stipulations when offering discounts to its customers. If you qualify for a discount with CURE, you can speak with a company representative to learn how much you could save on your coverage. Find affordable auto and home insurance bundles.
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How CURE Auto Insurance Ranks Among Providers
CURE auto insurance rates may be cheaper than other insurance companies if you have a clean driving record.
Average Monthly Full Coverage Auto Insurance Rates of the Top 10 Auto Insurance Companies
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Allstate | $318 | $374 | $416 | $522 |
| American Family | $224 | $252 | $310 | $361 |
| Farmers | $288 | $340 | $377 | $393 |
| Geico | $179 | $220 | $266 | $406 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
| Nationwide | $229 | $259 | $283 | $379 |
| Progressive | $283 | $334 | $398 | $331 |
| State Farm | $235 | $266 | $283 | $303 |
| Travelers | $287 | $355 | $357 | $478 |
| USAA | $161 | $183 | $210 | $292 |
| Average | $260 | $306 | $342 | $410 |
Oddly enough, CURE charges higher rates for married couples than Geico and Progressive if they are in their mid-30s and more than Geico, Progressive, and Allstate if they are over 65.
Still, rates with CURE may be lower than with other insurance companies if you are in your mid-30s and have a clean driving record. Unfortunately, CURE charges more if you are in a car accident and need to file a claim. So, if you’re ever at fault in an accident, you may need to search for another auto insurance company. Find out how long an accident can stay on your record.
Frequently Asked Questions
Is CURE auto insurance cheap?
CURE’s rates may be cheap, but it depends on a few factors. For example, CURE will consider your driving record when curating your rates. So, if you have accidents or tickets on your driving record, you will pay more for car insurance with the company.
Does CURE offer customizable coverage?
CURE offers the standard car insurance coverages you may expect from any company. Unfortunately, CURE does not offer many add-on coverages for customers to customize their insurance coverage. Still, the company does offer roadside assistance if that’s something you’re looking for.
How can I make an auto insurance claim with CURE?
To file a claim with CURE, you must call the company and speak with a representative. You can call 800-229-9151 and ask to speak with customer service to file a claim on your auto insurance policy.
What coverage options does CURE offer?
CURE offers standard auto insurance coverage options including property damage liability, bodily injury liability, collision insurance, comprehensive insurance, uninsured/underinsured motorist coverage, personal injury protection (PIP), medical payments (MedPay), and roadside assistance.
Can I customize my coverage with CURE?
While CURE allows policyholders to choose their coverage levels, they do not offer many add-on coverage options. If you want more customization, you may need to consider other insurance companies.
What discounts does CURE offer?
CURE offers discounts such as anti-theft device discount, defensive driving course discount, loss-free discount, bundle discount, and safe parking discount. The specific savings for each discount can be discussed with a company representative.
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