UPDATED: Jan 12, 2023

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UPDATED: Jan 12, 2023Fact Checked

The Bottom Line

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.

The company name is an acronym that stands for Citizens United Reciprocal Exchange. With CURE, you will pay for auto insurance based on your driving record and other factors. However, CURE does not charge any policyholder based on their credit score or education level. 

Is CURE a good car insurance company?

CURE has an A+ rating with the Better Business Bureau, but the company does have its share of customer complaints. Most CURE auto insurance reviews state that the company takes too long regarding claims investigations and payouts. 

Still, CURE customers are likely to renew their policies, and many CURE policyholders are satisfied with their auto insurance coverage. Some customers’ satisfaction may come from the company’s auto insurance rates. 

 

Is Citizens United Reciprocal Exchange (CURE) a Good Choice?

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. 

Citizens United Reciprocal Exchange (CURE) Rates

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.

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Citizens United Reciprocal Exchange (CURE) Discounts Available

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.

Citizens United Reciprocal Exchange (CURE) 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.

Citizens United Reciprocal Exchange (CURE) vs. Competitors

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
CompaniesMonthly Rates with a Clean Driving RecordMonthly Rates w/ One Speeding ViolationMonthly Rates w/ One AccidentMonthly 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.

Fortunately, CURE does not factor in a person’s credit score or education level when determining auto insurance rates. This could help you pay less with CURE than other car insurance companies.

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.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker