Is Cure Auto Insurance Legit?

Is Cure Auto Insurance Legit?

The article discusses Cure Auto Insurance, an option for drivers in Michigan, New Jersey, and Pennsylvania.

Happen to have trouble finding affordable car insurance due to factors like a bad credit score.

It reviews Cure’s coverage options, discounts, and customer reviews.

Keep in mind that the article also includes a ranking of the best car insurance companies overall, considering factors like financial stability, reputation, and coverage options.

An image illustrating if Cure is Auto Insurance Legit
Is Cure Auto Insurance Legit
Source: (Freepik)

Is Cure Auto Insurance Good?

Cure Auto Insurance indicates it doesn’t use credit scores, occupation, or educational background as determining factors for customer auto insurance rates.

This means customers with poor credit may find low rates with the company.

However, Cure Auto Insurance only serves drivers in three states.

The company’s limited discount options mean many drivers will likely find more affordable and flexible coverage elsewhere.

Below, you’ll find some of the benefits and drawbacks of Cure Auto Insurance that our team noted during our research:

Pros Cons
Lower rates for drivers with poor credit Only available in three states
Strong BBB rating No usage-based insurance coverage listed
Mobile app available Mixed customer reviews

Cure Auto Insurance Coverage

Cure Auto Insurance offers a full range of standard car insurance coverage options.

This includes:

  • Liability: This covers injuries and property damage you cause to others in an accident.
  • Collision: This pays to repair your car if you hit another vehicle or object.
  • Comprehensive: This covers damage to your car caused by anything other than a collision, such as theft, vandalism, or natural disasters.
  • Medical Payments: This covers medical bills for you and your passengers after an accident, regardless of who is at fault.
  • Personal Injury Protection (PIP): This helps cover medical expenses and lost wages if you are injured in an accident.
  • Uninsured/Underinsured Motorist: This protects you financially if the person who caused the accident has no insurance (uninsured) or not enough insurance (underinsured) to cover your damages.

Cure Auto Insurance Cost

This section discusses the average cost of Cure Auto Insurance, but it doesn’t provide specific figures.

It highlights that the national average for full-coverage car insurance is $1,968 per year.

Then mentions Cure Auto’s availability only in three states, implying they will focus on average rates in those specific states next.

State Monthly Average Yearly Average
New Jersey $198 $2,380
Michigan $282 $3,384
Pennsylvania $284 $3,402
An image illustration of Cure Auto Insurance Legit
Cure Auto Insurance Legit
Source: (Freepik)

Factors That Affect Cure Auto Insurance Rates

Cure Auto Insurance rates are influenced by several factors, making it hard to predict the exact cost.

Here’s a breakdown of some key influences:

  • Age: Young drivers (teens and early twenties) typically pay more.
  • Car: Newer, luxurious vehicles are more expensive to insure due to higher repair costs and theft risks.
  • Location: Living in a crowded area might increase your accident risk according to Cure Auto Insurance, leading to higher rates.
  • Driving Record: A history of traffic violations or DUIs will result in higher premiums.
  • Deductible: Choosing a higher deductible lowers your monthly payment but requires you to pay more out-of-pocket if you need to file a claim.
  • Accident History: Recent at-fault accidents within the past few years will likely increase your rates.


Cure Auto Insurance is a legitimate company licensed in Michigan, New Jersey, and Pennsylvania.

They cater to drivers who might have difficulty getting affordable insurance due to poor credit history or other factors.

They focus on your driving record more than other criteria. However, Cure Auto has some drawbacks to consider.

Their availability is limited geographically and they might not offer the most competitive rates overall.

Customer reviews are also mixed.

So, Cure Auto could be a good option for high-risk drivers in those states, but it’s wise to compare rates and coverage options from other insurers before making a decision.


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