CURE Auto Insurance isn’t like most major insurers. While national brands often rely on credit scores, education level, income, and ZIP codes to calculate risk, CURE (Citizens United Reciprocal Exchange) takes a different path. They focus primarily on how safely you drive — not where you live or how much money you make.
That philosophy has made CURE an increasingly popular choice for people who’ve struggled to find affordable auto insurance due to non-driving-related factors. But unlike typical insurers, CURE has specific eligibility requirements, and not every driver is guaranteed acceptance.
So how do you qualify for CURE Auto Insurance? In this article, we’ll explore the requirements, application process, and tips for positioning yourself as an ideal candidate.
Why CURE Is Different from Other Insurance Providers
CURE doesn’t believe that your financial background should dictate your insurance rate. Instead, they put the emphasis on your driving record and behavior. That means:
- No credit score checks
- No rate increases for not having a college degree
- No job title-based premiums
- Less focus on geographic risk factors
Instead, CURE uses a system that values fairness: if you drive safely, you should pay less — regardless of your income or background.
This model opens the door for many drivers who might be turned away or overpriced by traditional insurers. But it also means CURE uses stricter screening based on driving habits, because they rely almost entirely on your performance on the road.
Where Is CURE Auto Insurance Available?
As of now, CURE provides auto insurance in only a few U.S. states:
- New Jersey
- Pennsylvania
- Michigan
You must be a permanent resident of one of these states to apply. If you live outside these states, you’ll have to wait until CURE expands its coverage area.
Within those states, CURE’s policies are often targeted toward urban drivers, younger adults, and people with limited or no credit history — especially those with a clean driving record.
Basic Eligibility Requirements
To qualify for CURE auto insurance, you must meet several baseline criteria:
1. You must have a valid driver’s license
Applicants must hold a valid U.S. driver’s license. International driver’s licenses are not accepted, and your license must not be suspended or revoked at the time of application.
2. You must reside in a covered state
CURE currently only writes policies in NJ, PA, and MI. Proof of residency (such as a utility bill or lease agreement) is usually required.
3. Your vehicle must be for personal use
CURE only insures vehicles used for personal driving — not for rideshare (Uber/Lyft), delivery, or other commercial activity. If you use your car for business purposes, you’ll need to look elsewhere.
4. You must have a safe driving history
This is the most important factor. CURE primarily reviews:
- Number of accidents (at-fault and not-at-fault)
- Traffic violations (speeding tickets, reckless driving, DUI)
- Suspensions or license points in the past 3 to 5 years
While one minor incident may not disqualify you, multiple violations or a serious recent infraction (like a DUI) may make you ineligible or increase your premium significantly.
How Your Driving History Affects Qualification
Unlike traditional insurers who weigh your credit score and education just as heavily as your road performance, CURE makes your driving history the foundation of their underwriting process.
That means if you want to qualify — and especially if you want the best rate — you’ll need to demonstrate:
- At least 3 years of clean driving experience (no major violations)
- No more than 1–2 minor traffic infractions in the past 36 months
- No at-fault accidents resulting in injury or large claims
- No DUI/DWI, reckless driving, or license suspension within the last 5 years
If you meet those criteria, your application will likely be accepted — and your premium could be far more affordable than it would be through traditional carriers.
How to Apply for CURE Auto Insurance
The application process for CURE is relatively straightforward — and can be completed either online or by phone, depending on your preference. However, because CURE uses a deeper review of driving history, their underwriting process may be more detailed than what you’re used to with major insurers.
Here’s how the process typically unfolds:
Step 1: Get a Quote Online or Over the Phone
Visit cure.com and click on the “Get a Quote” button. You’ll need to provide:
- Your full name and address
- Your driver’s license number
- Vehicle details (make, model, VIN if available)
- Number of drivers and their license info
- An estimate of your annual mileage
- Your current insurance status and provider
Alternatively, you can call their customer service or work through a licensed CURE agent in your state.
Step 2: Review Your Driving Record
During the application, CURE will pull your Motor Vehicle Report (MVR) to verify your driving history. This is a crucial part of the review — as all pricing and eligibility decisions hinge on your performance behind the wheel.
If you’re unsure what’s on your record, it may be worth pulling a copy yourself before applying. Many state DMVs allow drivers to order their own report online.
Step 3: Submit Required Documents
You may be asked to provide:
- Proof of residency (e.g., lease, utility bill, or driver’s license with current address)
- Proof of vehicle ownership or registration
- Proof of prior insurance (if applicable)
- Odometer reading or annual mileage verification
- Any SR-22 documentation, if required by the state
Once your application and documents are reviewed, CURE will confirm your eligibility and present a final quote.
Tips to Improve Your Eligibility
If you’ve been denied by CURE in the past — or think you may be on the edge of qualifying — there are several steps you can take to strengthen your future application.
1. Let Time Work in Your Favor
Many minor violations “age off” your record after 36 months. If your denial was due to one or two older tickets, set a reminder to reapply after they clear. CURE rewards clean driving over time.
2. Avoid Filing Small Claims
If you’ve had a recent at-fault accident for a minor issue, it might be worth covering out of pocket next time. Frequent claims — even for small losses — can make you appear high-risk in CURE’s system.
3. Take a Defensive Driving Course
In some states, certified defensive driving courses not only reduce points on your license, but may also improve your eligibility. While CURE doesn’t advertise a specific discount for these, a better driving record always improves your standing.
4. Keep Consistent Coverage
Gaps in insurance history — even if you weren’t driving — can flag you as high-risk. If you’re between cars, consider buying non-owner insurance to maintain continuous coverage.
5. Keep Mileage Low
Drivers who average fewer miles annually are less likely to be involved in accidents. If your usage is primarily local, report an accurate (and modest) mileage estimate — under 7,500 miles per year is often considered low-risk.
What to Expect After Approval
If you qualify for CURE coverage, your policy will be customized based on:
- The type of vehicle
- Your chosen coverage limits
- Deductible preferences
- Whether you opt for full coverage (including collision/comprehensive) or liability-only
- Annual vs. monthly payment plans
Your ID cards and declarations page will typically be available within 24–48 hours after policy activation. CURE offers basic online account access, though their mobile tools are simpler than major national carriers.
State-by-State Qualification Differences
Although CURE applies the same basic principles in every market — focusing on driving behavior over financial metrics — each state has slightly different regulatory environments that can affect eligibility and coverage options.
Here’s how CURE operates across its three current states:
New Jersey
As CURE’s original and most established market, New Jersey has the broadest applicant base. However, because NJ is a no-fault state, drivers are required to carry Personal Injury Protection (PIP). CURE offers flexible PIP options that can help reduce premium costs.
Qualifying in NJ may be easier for long-term residents with a clean local MVR. Drivers with older violations or minor incidents may still be accepted, especially if they haven’t filed recent claims.
Pennsylvania
In PA, drivers can select limited tort or full tort coverage. Limited tort allows for lower premiums but restricts your ability to sue for pain and suffering after an accident unless injuries are severe.
CURE evaluates PA drivers using the same standards but places additional weight on recent claim-free years. They are particularly competitive in urban areas where traditional insurers penalize drivers for location-based risk factors.
Michigan
CURE’s entry into Michigan followed the state’s reform of its auto insurance laws in 2020. Because drivers now have the option to choose different PIP levels, CURE applicants can customize their policies to fit both needs and budget.
To qualify in Michigan, it’s especially important to select a coordinated PIP plan (where your health insurance pays first) if you want to keep costs low. This is one of the few states where the way you configure your benefits has a significant impact on eligibility and premium level.
What About SR-22 and High-Risk Situations?
CURE does offer SR-22 filings in some cases, which are required by the state if your license was suspended due to a serious offense (like DUI, driving without insurance, or repeat violations). If you need an SR-22:
- You’ll need to provide documentation of your requirement before binding the policy
- You must maintain continuous coverage during the filing period
- Any lapse could result in state penalties and CURE canceling your policy
However, qualifying with an SR-22 can be more difficult. While CURE accepts some high-risk drivers, they may decline applicants with a recent DUI or license suspension — especially if there’s more than one serious violation on record.
Maintaining Eligibility After Enrollment
Once you’re approved for CURE coverage, your responsibility doesn’t end there. Maintaining eligibility for renewals — and keeping your rate steady — depends on consistent, safe driving.
CURE periodically reviews policyholder records and may adjust your premium at renewal based on:
- New traffic tickets
- At-fault accidents
- Reported changes in usage (like increased annual mileage or vehicle modification)
To maintain eligibility:
- Drive cautiously and obey all traffic laws
- Avoid unnecessary claims
- Update your policy promptly if you move or change vehicles
- Keep a clean license — points matter more with CURE than with credit-focused insurers
Policyholders who stay claim-free and violation-free for multiple years may see gradual rate reductions and an increased chance of renewal with no surprises.
