CURE Auto Insurance Review: Affordable Coverage for Safe Drivers
No credit checks, affordable rates for responsible drivers in select states.
CURE Auto Insurance Review: Affordable Coverage Without Credit Checks
CURE Auto Insurance has carved out a unique niche in the competitive auto insurance market by refusing to use credit scores as a factor in determining rates. Unlike most insurance providers that rely on credit history, education level, occupation, and other non-driving factors, CURE focuses primarily on driving records to assess risk and set premiums. This approach appeals to responsible drivers who may have been penalized by traditional insurers due to factors beyond their control. However, potential customers should understand that CURE’s availability is limited to just three states, and the company faces challenges with customer satisfaction ratings and claims processing.
Best For: Drivers With No Credit Checks
CURE Auto Insurance positions itself as an alternative for drivers frustrated by discriminatory rating practices in the insurance industry. The company’s philosophy centers on the belief that income-based rating factors are inherently discriminatory and unfair to responsible drivers.
CURE differentiates itself by refusing to base insurance premiums on factors such as age, gender, education level, occupation, marital status, location, credit score, or vehicle make and model in the same way traditional insurers do. Instead, CURE emphasizes driving-related factors as the primary determinant of premiums. This approach opens opportunities for drivers with excellent driving records but lower credit scores who would typically face higher premiums from other insurers.
However, it’s important to note that CURE’s availability remains severely limited. The company only operates in Michigan, New Jersey, and Pennsylvania. Drivers in other states seeking similar no-credit-check policies should explore alternative affordable auto insurance providers available nationwide.
CURE Auto Insurance Pros and Cons
Advantages
CURE Auto Insurance offers several compelling benefits for qualified drivers:
- Credit isn’t a factor: CURE does not perform credit checks on potential customers and will insure drivers regardless of their credit scores. This eliminates a major barrier that many drivers face when shopping for insurance.
- Low premiums for those with good driving history: Because CURE bases its premium rates mostly on driving records, it can offer affordable premiums to drivers who demonstrate safe driving habits and have not been involved in prior accidents.
- Many discounts available: CURE provides various discounts including those for parking in secure locations, good driver discounts, good student discounts, and multi-car discounts.
Disadvantages
CURE Auto Insurance also has notable drawbacks that potential customers should consider:
- Only available in three states: CURE is only available in Michigan, New Jersey, and Pennsylvania, which significantly limits its accessibility to most drivers nationwide.
- Lacking many third-party reviews: There are not many third-party reviews of CURE Auto Insurance, which limits potential customers’ ability to research the company before purchasing. CURE does not receive customer satisfaction ratings from J.D. Power and has not received financial strength ratings from AM Best or S&P Global Ratings.
- The claims process can be slow: Multiple customer complaints on the Better Business Bureau website indicate that some CURE customers have experienced prolonged claims processes, requiring multiple rounds of communication with representatives over months to settle claims.
Detailed Analysis of CURE’s Advantages
Credit Isn’t a Factor
CURE Auto Insurance’s most notable characteristic is its refusal to perform credit checks on potential customers. This policy represents a fundamental departure from standard insurance industry practices. The company will insure drivers with a wide range of credit scores, recognizing that creditworthiness and driving ability are not inherently linked.
For drivers who have experienced financial difficulties but maintain clean driving records, CURE presents an attractive option. Those who have been stuck with high premiums from other insurers solely due to credit score considerations may find significant savings with CURE.
Low Premiums for Good Drivers
Because CURE Auto Insurance bases its premium rates primarily on driving records, it can offer affordable premiums to drivers who can demonstrate they are safe drivers with no prior accidents. The company looks primarily at driving history to determine rates; however, drivers with recent at-fault accidents on their record are likely to face higher premiums.
This structure rewards safe driving behavior and penalizes risky driving patterns, creating an insurance model that aligns with actual risk assessment. Drivers with poor driving records, multiple accidents, or traffic violations may want to consider alternative insurance providers.
Valuable Discounts
CURE offers multiple discount opportunities to reduce premiums further. These include good driver discounts for maintaining clean driving records, good student discounts for young drivers maintaining academic performance, and multi-car discounts for households with multiple vehicles insured through CURE.
Additionally, CURE provides discounts for parking vehicles in secure locations, recognizing that secure parking reduces theft and damage risks. These varied discount options allow qualifying drivers to stack savings and achieve even more competitive rates.
Detailed Analysis of CURE’s Disadvantages
Limited Availability
The most significant drawback of CURE Auto Insurance is its limited geographic availability. To apply for CURE coverage, you must reside in Michigan, New Jersey, or Pennsylvania. This restriction eliminates the vast majority of drivers in the United States from accessing CURE’s no-credit-check policies and competitive rates.
For drivers in other states seeking comparable coverage, exploring other affordable auto insurance providers available nationwide becomes necessary.
Lacking Many Third-Party Reviews
There are relatively few third-party reviews of CURE Auto Insurance available online, which limits the extent to which potential customers can inform themselves before purchasing a plan. CURE does not receive customer satisfaction ratings from J.D. Power, the industry standard for measuring insurance customer satisfaction.
Furthermore, CURE has not received financial strength ratings from AM Best or S&P Global Ratings, which are critical indicators of an insurance company’s ability to pay claims. The Better Business Bureau does not give CURE an official rating, although customer reviews are available on the BBB website. This lack of third-party validation and industry recognition presents challenges for consumers trying to thoroughly vet the company.
Claims Process Can Be Slow
According to reviews on the Better Business Bureau website, some CURE customers have experienced significantly delayed claims processes. Customers report having to engage in multiple rounds of communication with representatives over the course of months in order to settle even straightforward claims.
Some policyholders have complained about poor claims management and delayed payouts. Other upset customers have written reviews indicating that getting approval for theft claims is particularly difficult. Many complaints allege that company representatives don’t always have the necessary information and paperwork to handle claims efficiently.
While CURE customers can file claims online, they ultimately have to speak with a representative on the phone to complete the process, which may contribute to delays and communication breakdowns.
CURE Auto Insurance Plans and Offerings
CURE Auto Insurance policies cater specifically to safe drivers and focus exclusively on auto insurance products. The company does not offer other types of insurance, such as life or home insurance.
One of CURE’s most popular offerings is emergency roadside assistance, which is included with all policies. CURE limits roadside assistance to two claims in a six-month period, with each claim covering up to $125 in assistance. After calling a toll-free number, a service provider will dispatch to assist you with issues such as flat tires, dead batteries, lockouts, and other roadside emergencies.
CURE also rewards customer referrals through its friends and family program, allowing policyholders to share savings and earn rewards by referring others to the company.
CURE Auto Insurance Financial Stability
It is difficult to assess CURE Auto Insurance’s financial stability based on available information. There is limited information available from third-party financial reviewers, and AM Best has not rated CURE. This lack of financial ratings from major rating agencies makes it challenging for consumers to evaluate whether CURE has the financial resources to pay claims reliably.
However, according to the National Association of Insurance Commissioners, CURE is licensed to sell insurance in Michigan, New Jersey, and Pennsylvania. This state licensure indicates that the company meets minimum regulatory requirements in those states, though it doesn’t provide comprehensive assurance about financial strength.
CURE Auto Insurance Customer Satisfaction
Because CURE is a small insurance company, it has not received a customer satisfaction rating from J.D. Power, the primary industry standard for measuring customer satisfaction in the auto insurance sector. CURE also does not have an official rating from the Better Business Bureau.
However, customer reviews on the BBB website paint a concerning picture. CURE Auto Insurance receives an average review score of approximately 1.05 out of 5 stars on the BBB, indicating widespread dissatisfaction among reviewers. This rating reflects the complaints regarding slow claims processing, poor customer service, and difficulties in claim resolution that numerous customers have reported.
It’s worth noting that consumer complaints against CURE Auto Insurance have increased significantly, with complaints jumping by nearly 50% from 2023 to 2024, suggesting deteriorating customer satisfaction trends.
Comparison Table: CURE vs. Industry Standards
| Factor | CURE Auto Insurance | Industry Standard |
|---|---|---|
| Credit Check Required | No | Yes (Most Insurers) |
| Rate Based On Driving Record | Primary Factor | One of Many Factors |
| Geographic Availability | MI, NJ, PA Only | Nationwide (Major Carriers) |
| J.D. Power Rating | Not Available | Available for Major Carriers |
| BBB Customer Rating | 1.05/5 Stars | 3.0-4.5/5 Stars (Typical) |
| Available Discounts | Multiple (Good Driver, Student, Multi-Car) | Similar Range |
| Roadside Assistance | Included (2 claims/6 months) | Optional Add-On |
Who Should Consider CURE Auto Insurance?
CURE Auto Insurance is best suited for specific customer profiles. Drivers who live in Michigan, New Jersey, or Pennsylvania with excellent driving records and clean accident histories stand to benefit most from CURE’s focus on driving-based premiums.
Additionally, drivers with lower credit scores who have been penalized by traditional insurers for non-driving-related factors should explore CURE as an alternative. Those who have been unemployed, have lower education levels, or work in lower-paying positions but maintain safe driving habits may find CURE’s approach refreshing and cost-effective.
Conversely, drivers with poor driving records, multiple accidents, or traffic violations should look elsewhere. Similarly, anyone outside Michigan, New Jersey, and Pennsylvania will need to explore alternative providers.
Summary and Key Takeaways
CURE Auto Insurance presents an interesting alternative in the auto insurance market, particularly for its refusal to use credit scores and other non-driving factors in rate determination. For Michigan, New Jersey, and Pennsylvania residents with excellent driving records, CURE could offer meaningful savings compared to traditional insurers that apply discriminatory non-driving rating factors.
However, the company’s limited availability, lack of third-party validation, very low customer satisfaction ratings, and reported slow claims processing present significant concerns. Potential customers should carefully weigh the benefits of lower premiums against the risks of poor claims service and limited support resources.
Due to its limited availability nationwide and challenges with customer satisfaction, CURE Auto Insurance is not for everyone. However, for the right customer in the right location with the right driving record, it may provide an attractive insurance solution that prioritizes fair rate-setting based on driving behavior rather than discriminatory factors.
Frequently Asked Questions
Q: Does CURE Auto Insurance perform credit checks?
A: No, CURE Auto Insurance does not perform credit checks and does not use credit scores as a factor in determining insurance rates. This is a core differentiator of the company’s business model.
Q: In which states is CURE Auto Insurance available?
A: CURE Auto Insurance is only available in Michigan, New Jersey, and Pennsylvania. The company does not operate in any other states.
Q: What factors does CURE use to determine insurance rates?
A: CURE bases its premium rates primarily on driving records and driving-related factors. Safe drivers with clean driving histories receive the most favorable rates.
Q: How is CURE’s customer satisfaction compared to other insurers?
A: CURE receives an average rating of approximately 1.05 out of 5 stars on the Better Business Bureau website, which is significantly lower than typical industry ratings and reflects customer complaints about slow claims processing and poor service.
Q: Is roadside assistance included with CURE policies?
A: Yes, emergency roadside assistance is included with all CURE Auto Insurance policies. Coverage is limited to two claims per six-month period, with each claim covering up to $125 in assistance.
Q: What discounts does CURE offer?
A: CURE offers several discounts including good driver discounts, good student discounts for young drivers, multi-car discounts for multiple vehicles, and discounts for parking vehicles in secure locations.
References
- CURE Auto Insurance Review — Money Magazine. 2025. https://money.com/cure-auto-insurance-review/
- CURE Auto Insurance: Drive Well, Save More — CURE Auto Insurance. 2025. https://www.cure.com
- Why Cure Auto Insurance Is Facing A Wave Of Consumer Complaints — Michigan Auto Law. 2025-06-16. https://www.michiganautolaw.com/blog/2025/06/16/why-cure-auto-insurance-is-facing-a-wave-of-consumer-complaints/
- National Association of Insurance Commissioners (NAIC) Insurance Licensing — NAIC. 2025. https://www.naic.org
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