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Cure car insurance review

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This not-for-profit insurer skips credit checks and focuses on your driving history instead.

finder.com's rating: 2.5 / 5

★★★★★

  • Get a quote if you’re an excellent driver with a clean driving record.
  • Pick something else if you live outside New Jersey or Pennsylvania.
  • Drivers with poor credit can often access coverage.

optional

Roadside assistance

Depends on provider

New car protection

Accident forgiveness

Details

States served New Jersey, Pennsylvania
Roadside assistance Optional
Accident forgiveness No
New car protection Depends on provider
Pay schedule 12 months, monthly
Claims methods phone
Rideshare coverage No
SR-22 support No

Pros

  • Offers affordable car insurance that could save you over 50%
  • Education, occupation, and home ownership don't impact auto insurance rates
  • More than 30 years of experience

Cons

  • Customer complaints of poor customer service
  • No live chat
Anti-theft device discount No
Bundling discount No
Defensive driving discount No
Good student discount No
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No

Expert review

Katia Iervasi

Review by


Katia Iervasi is a staff writer who hails from Australia and now calls New York home. Her writing and analysis has been featured on sites like Forbes, Best Company and Financial Advisor around the world. Armed with a BA in Communication and a journalistic eye for detail, she navigates insurance and finance topics for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).

Expert review

Cure makes car insurance accessible to more people by skipping over credit scores, income and education. It rewards careful drivers with low rates and a string of discounts, but it’s only open to NJ and PA residents, and the payment fees can be steep.

What insurance coverage does Cure offer?

Like most insurers, Cure offers basic liability protection along with extras that can enhance the value of your policy. Your policy might cover:

  • Bodily injury and property damage. This takes care of the costs if you injure people or damage their property in an accident. It also contributes to your legal defense if you’re sued as a result. With Cure, this coverage is capped at $500,000 for bodily injury and $100,000 for property damage.
  • Uninsured and underinsured motorist. To stop you from being slapped with a bill for an accident that’s not your fault, this pays for the injuries or damage caused by someone who has little to no insurance. The coverage must be equal to or less than the amount you choose for bodily injury.
  • Personal injury protection (PIP). This covers a portion of the medical care, lost wages or replacement services in the event of an accident, regardless of who’s at fault. However, if you elect your health insurer as your primary carrier for auto-related accidents, Cure will reduce your PIP premium by 25%.
  • Collision. This covers the cost of repairing or replacing your car after a collision.
  • Comprehensive. Comprehensive coverage pays for damage to your car caused by events other than a collision: fire, vandalism, extreme weather or theft.

What extra benefits or add-ons does Cure offer?

The insurer has a handful of additional coverage options. These include:

  • Roadside assistance. Customers have access to 24/7 roadside assistance as part of their policies. Cure covers up to $125 per incident.
  • Extended medical expense benefits coverage. For $1 per car, Cure automatically offers up to $10,000 to cover medical expenses as a result of a car accident or incident.
  • Extended transportation expenses coverage. If you carry Other than Collision coverage, you can opt into this add-on, which pays for a rental car while your car is being repaired. There are two options: $15 per day to a maximum of $450, or up to $30 per day to a maximum of $900.

Did you know?

If you’re a policyholder who called — and paid for — a different roadside assistance provider on the scene, Cure may reimburse you. Send the itemized receipt along with your policy number and contact information to Driven Solutions Membership Services, PO Box 660460, Dallas TX 75266.

What discounts can I get with Cure?

As a not-for-profit, Cure is open about helping policyholders save on their insurance. You might be eligible for the following discounts:

  • Good driver discount. If your three-year driving record is free from major traffic violations, you may slash up to 35% off your premium.
  • Loyalty discount. If you have a pristine five-year record and have been a Cure customer for two years or more, you could save a further 5%.
  • Multivehicle collision discount. Insure multiple cars and you could score a 15% discount on your collision coverage.
  • Parking discount. You might earn a discount of 15% for off-street parking, or 50% for cars that are kept in a secure garage or parking facility.

Pros and cons of MIFB car insurance

Pros

  • No credit checks. To make car insurance accessible, Cure doesn’t consider credit scores, education or income when underwriting policies.
  • Focuses on driving history. The insurer rewards careful drivers with clean driving records with lower rates.
  • Next-day coverage. For eligible customers, policies can take force the next day.
  • Good rates for families with younger drivers. Cure doesn’t discriminate against families with drivers in the 17- to 30-year age bracket.
  • Round-the-clock claims. You can file a claim at any time

Cons

  • Limited to NJ and PA. Cure is licensed in only two states.
  • Only offers six-month terms. Since 2017, Cure has only sold six-month policies, so you won’t get the benefit of paying less for a 12-month plan.
  • No online claims. While the claims department is available 24/7, you’ll need to pick up the phone to make a claim.
  • Hefty payment fees. Cure charges a convenience fee between $14.95 and $17.95 to process credit or automatic payments, which is unusual compared to other insurers. These fees don’t apply to checks or money orders that are sent by mail.

Alternatives to Cure car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

How to apply for Cure car insurance

The quickest way to apply for coverage is online.

  1. Go to the Cure website.
  2. On the homepage, click Get a Quote.
  3. Enter your email address, age and ZIP code. Click Continue.
  4. Type your address, contact information and the expiration date of your current car insurance policy, if applicable. Click Next.
  5. Fill in the details about your driving record, cars and any nominated drivers.
  6. Follow the prompts to choose your coverage.

Prefer the phone? Call 800-535-2873, weekdays from 8 a.m. to 7 p.m. and Saturday from 9:30 a.m. to 4 p.m. ET.

What info do I need to apply?

To speed up the process, have these details handy:

  • Driver’s license number
  • Your driving history for the past three years
  • Names, ages and marital statuses of any nominated drivers
  • Year, make and model of your vehicle

How do I make a claim with Cure?

To report a claim, call 800-229-9151 with your policy number and information about the accident or incident. The claims representative will take down the details of your claim, including any damage or injuries caused, and talk you through the next steps.

Frequently asked questions about Cure car insurance

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