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CURE insurance review 2023

Updated Jan 20, 2023
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At a glance

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Bottom Line

Policyholders with lower credit scores may consider CURE as their company of choice, since CURE does not factor credit score, occupation or education level as insurance rating factors.

Pros
  • Does not use credit, occupation or education level as rating factors

  • Offers a few discounts

Cons
  • Only available in three states

  • No third-party ratings

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CURE car insurance

CURE car insurance offers standard car insurance options including bodily injury liability, property damage liability, comprehensive, collision and personal injury protection (PIP). The company offers a couple optional endorsements, including roadside assistance and extended transportation coverage. However, CURE policies are generally more basic than most competitors.

CURE car insurance is only available in New Jersey, Pennsylvania and Michigan.

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Quick facts
Auto Insurance
The average American pays $148/month for full coverage auto insurance
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Rates can vary by over $2,600 per year between companies
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Across the U.S., rates can vary as much as 242%
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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.

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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. We’ve compiled some pros and cons of CURE auto insurance to consider.

PROS

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    Credit is not used to rate policies

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    Does not use occupation or education level as rating factors

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    Offers roadside assistance

CONS

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    Only offers auto insurance

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    Limited discounts and coverage options

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    Only available in three states

CURE car insurance cost

Auto insurance premiums are based on individual rating factors such as the make and model of your vehicle, your driving record, claims history and the amount of coverage you purchase, so the actual cost of your policy will differ for every driver. CURE’s policies may be appealing to drivers with poor credit scores, as CURE does not use credit as a rating factor, which could aid in the overall cost of a policy.

CURE car insurance discounts

Although CURE car insurance is a back-to-basics provider, the company does offer a few competitive discounts. You may want to check with an insurance provider to ensure that each of these discounts is available in your state and double check that you’re eligible.

CURE car tools and benefits

CURE does not list any other vehicle-related services other than car insurance and car insurance endorsements on its website.

CURE customer satisfaction

Many insurance companies receive third-party ratings or scores, which can help when determining how well they perform in certain areas. Some trustworthy sources of these ratings include J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

J.D. Power ratings are designed to show the level of claims satisfaction and overall customer satisfaction certain companies generate. AM Best provides financial strength ratings, which represent the historical ability of a company to meet their financial obligations. The NAIC generates a complaint index score that reports how many complaints have been filed against a company with the NAIC, and helps consumers see whether customers are generally satisfied with insurance companies. A score of 1 is used as the baseline — or average — where a score less than one indicates fewer complaints tha average, and a score more than one indicates more complaints than average.

CURE auto claims

CURE is not rated in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study and does not have an AM Best rating. The company does have a higher-than-average complaint score, with an overall NAIC complaint score of 1.31.

How to file a claim with CURE

CURE asks customers to file claims over the phone. If you need to file a claim, start with the following steps.

  1. Call 800-229-9151.
  2. Provide the location, date, time, and description of the accident.
  3. Report the name of the driver if a driver was involved in the accident.
  4. CURE may ask for details including contact information of involved drivers, vehicle locations and police report details.
  5. Wait one to two business days to hear from your claims representative.

CURE availability

CURE car insurance is available in:

  • New Jersey
  • Pennsylvania
  • Michigan

Other CURE perks worth considering

CURE auto insurance does not offer any financial products other than auto insurance. The carrier doesn’t offer a mobile app either, which may be a let down for tech-savvy shoppers. However, the company does offer a referral program, which allows policyholders to earn rewards for bringing friends and family to CURE.

CURE corporate sustainability

CURE doesn’t advertise any charitable causes on its website, but the company states that it is dedicated to: standing up for common sense and being the voice for drivers who have been discriminated against for factors like education, occupation and credit score.

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.

CURE vs. State Farm

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, easy to use policy tools and competitive premiums. If you’re looking for a nationally known, reliable provider, you may want to consider State Farm.

Learn more: State Farm Insurance review

CURE vs. Lemonade

If you’re looking for a company with a mobile app and an easy to use online platform, you may want to look into Lemonade, an all-digital insurance provider. Lemonade is also available in more states than CURE, and is working to expand its coverage across the U.S.

Learn more: Lemonade Insurance review

CURE vs. USAA

USAA offers insurance exclusively to U.S. military members, veterans, and qualifying family members. If you’re looking for a low-cost company tailored to military needs, you may want to consider USAA.

Learn more: USAA Insurance review

Is CURE a good insurance company?

Bankrate’s CURE insurance review determined that it may be a good insurance company for those looking for a company that doesn’t factor in credit scores, occupation, or education level when calculating insurance premiums. However, the company only offers auto insurance, so you may want to look elsewhere if you’re looking for a company that offers additional product lines. CURE offers basic auto insurance options with several discounts. If you believe in the company’s mission of reducing discrimination in auto insurance, you may also want to consider CURE.

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