Why Trust Solvable
Solvable conducts independent research and data analysis. Our content is not influenced in any way by other companies, including the ones we write about and/or have a financial relationship with. Above all else, we strive to make the best data-driven recommendations for our readers. Read more about our process.
What to Know
Whether CURE is a good deal and whether it's a good insurer to file a claim with can have different answers. It's only available in three states.
CURE Auto Insurance
- Discounts
- 6
- Online Quotes
- Online Policy Purchase
Why We Like CURE
CURE suits clean-record drivers in New Jersey or Pennsylvania whose credit raises their prices elsewhere. The company says it relies primarily on driving history rather than credit reports. Its policies include 24/7 roadside assistance as standard.
Pros and Cons
Pros
- File claims online
Cons
- Sold in only 3 states
- Can't buy a policy online
Solvable's Take on CURE Car Insurance
CURE is worth a quote for clean-record drivers in New Jersey or Pennsylvania whose credit raises their prices elsewhere.
Michigan drivers should check the claims complaint record before price drives the decision. CURE doesn't sell gap insurance, doesn't offer online purchase, and isn't available outside Michigan, New Jersey and Pennsylvania.
CURE Car Insurance Review: The Short Verdict
| Feature | What CURE offers | What to know |
|---|---|---|
| States served | Michigan, New Jersey, Pennsylvania | Moving elsewhere means finding a new insurer |
| Roadside assistance | 24/7, included standard | Towing and labor coverage is also available |
| Gap insurance | Not offered | Financed or leased cars may need gap coverage from another source |
| Online quote and purchase | Quote online; no online purchase | Plan to finish by phone or with an agent |
| Online claim filing | Available | The complaint data concerns how claims are handled after filing |
If you have a loan on a newer car, the gap row is the first to address. Sort that out before you compare prices.
Where CURE Sells and What Its Policies Cover
CURE is available only in Michigan, New Jersey and Pennsylvania. Its policies include liability, collision and comprehensive coverage, plus personal injury protection, uninsured and underinsured motorist coverage, and standard 24/7 roadside assistance. It does not sell gap insurance, which covers the difference between what you owe on a car loan or lease and what the car is worth if it's totaled.
New Jersey CURE auto insurance
New Jersey and Pennsylvania drivers get two discounts that CURE lists only for those states: a defensive driving course discount and a multi-vehicle discount. Otherwise, the core coverage options are the same across all three states.
CURE auto insurance in Michigan
Based on our research, Michigan drivers don't get the two discounts mentioned above. Michigan also has the most detailed recent complaint data on CURE.
The Credit-Score Pitch: Who It Helps
CURE's central promise is that your driving record matters more than your credit. It claims not to use credit reports, occupation or education as a rate factor.
Many car insurance companies use credit-based scores in pricing where state law allows. If that factor is raising your quotes, an insurer that sets it aside can quote noticeably lower.
If you have good credit, you'll likely find better coverage elsewhere. The same goes for a driver with tickets or at-fault claims. An insurer that leans mainly on driving history may weigh those violations more heavily than one that spreads the weight across other factors.
None of this makes CURE cheaper for everyone with bad credit. What you pay still depends on your record, your car, your location and the coverage you choose.
CURE's Complaint Record
For Michigan drivers, complaint data should carry a lot of weight. It centers on why you buy insurance in the first place: getting paid after a loss.
According to Michigan's Department of Insurance and Financial Services (DIFS) and reported by a Michigan law firm, Michigan complaints against CURE rose almost 50%, from 150 in 2023 to 223 in 2024. In the same data, CURE had the second-highest complaint count among 82 large Michigan auto insurers in 2024, while ranking 16th by size.
The type of complaint matters too: 54% of CURE's 2024 Michigan complaints involved claims handling, 26% involved underwriting and 18% involved customer service. Underwriting complaints usually concern who gets accepted and what they pay. Claims complaints concern what happens after a crash.
CURE Car Insurance Discounts
CURE lists six discounts. Several reduce only one part of your premium, usually comprehensive, and two apply only to New Jersey and Pennsylvania. A percentage off one coverage line is not that percentage off your total bill.
- Anti-theft device
- Defensive driving course
- Loss-free/good driver
- Multi-vehicle/bundle
- Off-street/safe parking
- Secured garage storage
CURE Car Insurance Coverage
Here is what each core coverage does:
Liability
Liability pays for injuries and damage you cause to other people.
Collision
Collision pays to repair your car after a crash.
Comprehensive
Comprehensive pays for damage that doesn't come from a crash, such as theft, hail or a fallen tree.
Personal injury protection (PIP)
Personal injury protection (PIP) pays medical costs for you and your passengers regardless of who caused the accident.
Additional benefits
CURE also lists additional benefits such as extended medical expense coverage, towing and labor assistance, and extended transportation expense reimbursement.
Who CURE Fits and Who Should Keep Shopping
For a clean-record driver in New Jersey or Pennsylvania whose credit is raising prices elsewhere, CURE is worth a quote. For Michigan drivers, it depends on how much claims risk you can absorb. Drivers who need gap coverage or want to buy online should expect extra steps.
| Your situation | Worth a CURE quote? | Why | What to check first |
|---|---|---|---|
| Clean record, weak credit, NJ or PA | Yes | CURE says it underwrites mainly on driving history, not credit | Your state regulator's complaint information |
| Michigan driver | Cautiously | 54% of 2024 Michigan complaints involved claims handling | Current DIFS complaint ratios for CURE and alternatives |
| New car with a loan or lease | Only with a gap plan | CURE doesn't sell gap insurance | Gap coverage cost from your lender or another insurer |
| Want to buy entirely online | Probably not | Quotes are online; purchase is not | Whether a phone or agent purchase works for you |
| Lives outside MI, NJ, PA | No | CURE doesn't sell in other states | Quotes from insurers licensed where you live |
Frequently Asked Questions
Is CURE auto insurance good?
That depends on your state and your driving record. CURE auto insurance can be a solid fit for a clean-record driver in New Jersey or Pennsylvania whose credit score is pushing quotes higher elsewhere. For Michigan drivers, the calculus is different: complaints against CURE rose sharply in 2024, and more than half involved claims handling, so weigh that before you focus on price alone.
Does CURE car insurance check your credit?
CURE states that it does not use credit reports, occupation or education to underwrite policies, and relies mainly on driving history instead.
Is CURE auto insurance in Michigan a good choice?
Complaints against CURE auto insurance in Michigan increased by almost 50% from 2023 to 2024, and CURE had the second-highest complaint count among 82 large Michigan auto insurers that year despite ranking only 16th by size.
Is NJ CURE auto insurance different from Michigan coverage?
The core coverage is the same across states: liability, collision, comprehensive, PIP, and uninsured/underinsured motorist protection. The difference shows up in discounts. New Jersey CURE auto insurance customers (along with Pennsylvania) can access a defensive driving course discount and a multi-vehicle discount that aren't listed for Michigan policyholders in CURE's published terms.
Does CURE offer gap insurance?
No, CURE does not sell gap insurance. If you have a loan or lease on a newer car, you may owe more than an insurance payout covers if the car is totaled. In that case, you would need gap coverage from your lender or another source.
