CURE Auto Insurance isn’t your typical provider. Known for its people-first approach to pricing, CURE (Citizens United Reciprocal Exchange) has built a reputation for fairness, particularly for drivers who might not get a great deal with traditional insurers. Why? Because CURE doesn’t use factors like credit scores, education level, or job title when calculating your rate. Instead, they focus on what truly matters for car insurance — your driving record.
But while CURE’s pricing model is unique, it’s not identical across the board. The cost of coverage can vary depending on which state you live in, due to both regulatory differences and local driving risk.
As of 2025, CURE operates in three U.S. states:
- New Jersey
- Pennsylvania
- Michigan
In each of these, CURE’s pricing strategies reflect a mix of state-specific regulations, market competition, and how the company assesses local driving conditions. In this article, we’ll break down how CURE’s auto insurance rates differ by state — and where drivers can save the most.
Why CURE’s Pricing Is Different From Most Insurers
Before diving into the state-by-state breakdown, it’s important to understand CURE’s approach to underwriting. Unlike most auto insurers, CURE does not use credit history, zip code, income level, or education as primary pricing factors.
Instead, they assess your:
- Driving history (accidents, tickets, DUI/DWI)
- License status and driving experience
- Annual mileage
- Type of vehicle
- Claims history
This can be particularly beneficial in states where socioeconomic disparities impact access to affordable insurance. For example, in urban areas where credit scores tend to be lower, drivers may pay more under traditional models — even if they have a clean driving record.
CURE aims to level the playing field. And that leads to significant savings for many drivers who might otherwise be unfairly rated.
CURE Rates in New Jersey
New Jersey is where CURE began and still serves as the company’s flagship state. It’s also one of the most expensive states for auto insurance overall — with average premiums often exceeding $1,700 per year from traditional carriers.
CURE’s pricing model in New Jersey appeals to:
- Young drivers without a credit history
- Urban drivers in cities like Newark or Trenton
- Low-mileage drivers who don’t commute far
- Drivers with clean MVRs (motor vehicle records)
Rates can range from $900 to $1,400 annually for a basic liability policy with CURE, depending on age and vehicle. That’s often 20% to 30% cheaper than the statewide average, particularly for drivers who are penalized elsewhere due to non-driving factors.
Additionally, New Jersey’s no-fault laws and mandatory Personal Injury Protection (PIP) make premiums more complex. CURE simplifies this by offering tiered options, making it easier for customers to customize their PIP levels without hidden fees or upsells.
CURE Rates in Pennsylvania
Pennsylvania offers a more mixed pricing landscape. While rural drivers often pay less, urban centers like Philadelphia can see high premiums from traditional insurers — especially if your neighborhood is considered “high risk.”
CURE has positioned itself in Pennsylvania as an affordable alternative to larger providers. Average rates tend to fall in the $850 to $1,300 per year range for drivers with clean records and no major violations.
Notably, Pennsylvania drivers with:
- Spotty credit histories
- No college degree
- Frequent ZIP-code-based pricing discrimination
… may find substantial savings through CURE. Since the company avoids pricing based on these demographics, it has become popular among working-class drivers and younger families.
While CURE does not always offer the absolute lowest base premium in PA, many drivers report lower total out-of-pocket expenses over time due to fewer rate hikes and less punitive pricing after minor incidents.
CURE Rates in Michigan
CURE entered the Michigan market more recently, and it quickly found a niche with drivers who had long been paying among the highest auto insurance premiums in the country. For decades, Michigan’s mandatory no-fault insurance rules and unlimited Personal Injury Protection (PIP) requirements made it a nightmare for affordability.
However, following the 2020 reforms to Michigan’s no-fault law — which gave drivers more flexibility in selecting PIP coverage levels — CURE saw an opportunity to introduce its fair-pricing model.
In Michigan, CURE’s rates often fall between $950 and $1,500 per year, depending on coverage level, driving history, and selected PIP tier. This is often several hundred dollars less than what drivers with similar profiles pay through traditional carriers.
CURE’s Michigan customers typically benefit the most if they:
- Have a clean driving history
- Choose limited or coordinated PIP options
- Do not want their credit score, job title, or ZIP code to affect their premium
- Were previously considered high-risk due to non-driving factors
The company’s entrance into the Michigan market has been particularly helpful for Detroit-area drivers, many of whom had been hit hard by high rates due to geographic pricing and outdated rating systems.
Where Do the Biggest Savings Happen?
While CURE’s pricing is competitive in all three states, the largest savings tend to occur in cases where drivers have been penalized by:
- Poor or limited credit
- Lack of college education
- Living in densely populated or low-income ZIP codes
- Being new drivers (especially over age 25)
These are the areas where traditional insurers inflate premiums, sometimes by hundreds of dollars annually — even if the driver has no tickets or claims.
CURE’s commitment to pure driving behavior pricing means those individuals can finally access coverage at rates that reflect how they drive — not how they score financially.
For example:
- A 30-year-old delivery driver with a clean record but no college degree and limited credit history may pay $300–$500 less annually with CURE than with mainstream carriers in Philadelphia or Newark.
- A 45-year-old woman in Detroit who drives under 5,000 miles a year and has no violations could see her premium cut by 25% or more after switching to CURE from a traditional provider using zip-code-heavy risk modeling.
What About Discounts?
While CURE doesn’t offer as many traditional “bundling” or loyalty discounts as larger insurers, it does offer a few practical and fair ways to lower your premium:
- Low-mileage discount – If you drive less than the average number of miles per year, you may qualify for reduced rates.
- Pay-in-full discount – Paying your premium upfront instead of monthly can bring additional savings.
- Clean driving discount – If you’ve gone several years without a claim or moving violation, your rate reflects it.
- Multi-car policy savings – CURE offers pricing benefits for insuring more than one vehicle on the same plan.
It’s also worth noting that CURE doesn’t penalize you for not qualifying for discounts based on job title or education — so even if you don’t receive a large “discount” line item, you’re often starting with a lower base rate to begin with.
How to Get the Best Quote with CURE
CURE makes it relatively simple to get a quote, but because they use a unique pricing model, there are a few things you can do to maximize your savings when applying.
Here’s what to prepare before starting the process:
- Your driver’s license number and those of all covered drivers
- A complete driving history for the past 3 to 5 years, including accidents, tickets, and license suspensions (if any)
- Vehicle details: year, make, model, mileage, and current condition
- Annual mileage estimates: Be as accurate as possible — low-mileage drivers often get better rates
- Prior insurance documentation, if you’re switching from another provider
- Payment preference: CURE may offer savings for full payment upfront instead of monthly billing
Quotes can be obtained directly through cure.com or through a licensed agent in your state. If you’re switching from another provider, don’t cancel your current policy until your new coverage is fully active.
What to Expect from CURE’s Underwriting Process
CURE’s process differs in one major way: they’re not looking at your credit report or using a scoring model tied to your education level or occupation. Instead, they go deeper into your actual driving behavior.
Here’s how that benefits you:
- No rate bumps due to poor credit
- No adjustments based on your job title or income
- No upcharges based on ZIP codes considered “high risk” by other insurers
That said, CURE is strict when it comes to traffic violations and past claims. Drivers with multiple accidents or tickets in the past 3–5 years may not get the lowest rates — even if they have good credit elsewhere. Clean records matter most.
Also, because CURE operates as a reciprocal exchange, you’re technically a “member,” not just a policyholder. That means rates are based on the shared risk pool of like-minded drivers — another reason they focus so closely on driving history over financial background.
Choosing the Right Coverage Level by State
Because each state has different minimum requirements and laws, choosing the right coverage with CURE depends heavily on where you live.
In New Jersey:
- You must carry PIP, liability, and uninsured motorist coverage
- Consider choosing standard policy options if you drive regularly or commute
- PIP customization is key — selecting coordinated or limited PIP options can reduce costs
In Pennsylvania:
- You can select limited tort or full tort coverage — limited tort is cheaper but limits your ability to sue after an accident
- Property damage limits and UM/UIM (uninsured/underinsured) are worth reviewing based on your driving habits
In Michigan:
- Choose your PIP tier wisely — from unlimited to capped options
- CURE’s pricing is more competitive when you select coordinated or lower-limit PIP
- Consider pairing with a health plan if your medical insurance is strong enough to offset lower PIP choices
Each state has its own legal landscape, so it’s worth discussing policy structure with a CURE agent familiar with your region’s requirements.
Final Tips Before You Buy
- Compare carefully — even if another provider quotes a slightly lower monthly premium, read the fine print. Many base-level policies come with higher deductibles or fewer benefits.
- Review your MVR (Motor Vehicle Report) before applying — some drivers are unaware of outdated violations that still affect their rates.
- Ask about documentation — CURE may request proof of past insurance, odometer photos, or verification of residence.
- Set a reminder to review annually — Just like any other insurance provider, CURE’s rates may change at renewal. If your driving record improves or your mileage drops, you could save more next year.
