CURE Auto Insurance has built its brand around fairness. With slogans that promote equality and rate transparency, it’s no wonder many people are drawn to the promise: “We don’t use credit score, education level, or occupation to price your policy.” That alone is enough to make the average driver stop and reconsider the usual lineup of national insurance companies.
But beneath the progressive marketing and simplified application process, CURE Auto Insurance has attracted its share of complaints — and not just from those rejected during underwriting. Like any insurance company, customer experiences vary. While some policyholders praise the fairness of the pricing model, others report serious issues when it comes to claims processing, billing clarity, and customer service responsiveness.
To really understand what’s happening behind the curtain, it’s important to examine the kinds of complaints drivers are voicing — and why they matter if you’re considering switching to CURE.
Claims Processing Delays
One of the most frequently raised issues from CURE policyholders involves the time it takes to process a claim. The company operates on a leaner infrastructure than large carriers like State Farm or GEICO, and that means fewer claims adjusters, limited tech automation, and longer investigation windows.
In several online reviews and forums, users have mentioned waiting weeks for a response after submitting damage photos and repair estimates. Some even say they had to call multiple times just to get a basic update.
One New Jersey driver shared how her fender-bender took nearly three months to settle. The other party accepted fault immediately, yet she still faced long silences from her claims representative. Her main frustration wasn’t the outcome — it was the lack of communication and the feeling of being “forgotten.”
For a company that thrives on being different from the corporate giants, this kind of customer service gap can be especially frustrating to users who expected a more personalized experience.
Customer Service and Accessibility
CURE is a smaller player in the insurance world, and while that often means more focused policies, it can also mean fewer people answering the phones.
Multiple policyholders across New Jersey, Pennsylvania, and Michigan have reported trouble reaching CURE during business hours. Some say they were left on hold for 30 to 60 minutes, while others received callbacks days later — if at all.
It’s not just about phone delays. The lack of a robust online customer portal is another sticking point for digital-first customers. CURE’s website and mobile tools are limited, especially compared to major competitors that offer mobile apps with instant claim status, virtual ID cards, and chat-based support.
A Pennsylvania-based driver described trying to update his address online but found he had to fax documentation instead. In 2025, many drivers expect frictionless digital service. When an insurer doesn’t offer it, it stands out — and not in a good way.
Billing Confusion and Late Fee Complaints
Another trend that pops up in CURE complaint threads is billing confusion. Some customers note that their due dates shifted unexpectedly, or that late fees were applied without clear warning.
One driver from Michigan reported that after making two months of on-time payments, a small remaining balance triggered a cancellation notice. When she called, she was told the amount had “carried over” due to a policy adjustment. But she never received a revised statement, and the language in the portal wasn’t clear.
This kind of issue often hits first-time insurance buyers or young drivers hardest — the very audience CURE tends to attract with its “fair pricing” model. And when a company appeals to those newer to insurance, transparency becomes even more important.
Another driver in Trenton, NJ described receiving a collections notice after mistakenly believing his monthly premium had been auto-paid. He assumed he’d enrolled in automatic payments during signup, but later found that ACH drafts required a separate form that wasn’t obvious in the onboarding process.
Policy Cancellations and Lack of Grace Periods
One of the more serious complaints about CURE centers around policy cancellations with little to no warning. Unlike some insurers who offer a built-in grace period or courtesy notice before suspending coverage, CURE has been called out for following cancellation rules to the letter.
This strictness isn’t illegal — it’s in the policy fine print — but for drivers who miss a payment due to a banking error or oversight, the consequences are steep.
In one account shared in a Michigan consumer forum, a driver missed a payment by just 48 hours due to a card expiration issue. The policy was canceled immediately. When they called customer service to rectify the situation, they were told they’d have to reapply for coverage from scratch, and that the lapse could now affect their record.
This is especially impactful for low-income or younger drivers who are more likely to experience payment disruption. For many, that lapse can later lead to higher premiums elsewhere or state penalties if caught driving uninsured — a situation that feels at odds with CURE’s mission of being accessible to those overlooked by traditional carriers.
Disputes Over Coverage Details
Because CURE focuses on low-frills, driver-based pricing, their policies don’t include many of the automatic extras customers might expect. For example:
- Roadside assistance is not included unless added separately
- Rental car reimbursement is not standard with full coverage
- Some repair shops are not within CURE’s preferred network, requiring policyholders to wait for approval
These limitations don’t make the policy bad — they simply reflect how CURE keeps premiums low. However, several complaints stem from misunderstandings about what’s actually covered.
One policyholder from Allentown, PA said she assumed that comprehensive coverage included towing and a rental vehicle while hers was in the shop. After her car was broken into, she learned those services had to be selected manually — and since she hadn’t, she was stuck paying out of pocket.
The frustration in these cases usually comes down to communication. Many drivers are surprised to discover what’s not included, especially after being drawn in by an affordable quote and streamlined application.
The Double-Edged Sword of CURE’s Underwriting Model
Perhaps the most polarizing aspect of CURE’s auto insurance is the very thing that sets it apart — its non-traditional underwriting process.
On one hand, it’s a relief for drivers who:
- Don’t have strong credit
- Didn’t finish college
- Work jobs often penalized by insurers (gig workers, freelancers, delivery drivers)
These individuals are often quoted hundreds less per year compared to mainstream carriers. That’s CURE’s strength — they look at your driving record, not your bank account or your resume.
But this model also has an edge. Because CURE leans so heavily on driving history, a single speeding ticket, recent accident, or past lapse in coverage can trigger a sharp rate increase — or even a denial.
Some drivers have voiced frustration that their rates jumped suddenly after just one claim, or that they were dropped after what they believed was a minor at-fault incident. Others report being rejected during initial underwriting despite having a clean record — often for reasons not clearly communicated.
One Pennsylvania driver explained that her application was denied due to a three-year-old accident that didn’t involve a claim. She wasn’t even at fault. The adjuster later clarified that while her driving history was clean, CURE’s internal risk guidelines flagged her based on their own thresholds.
Online Reviews and Unfiltered Customer Stories
In the digital age, insurance companies aren’t just judged by their policy features — they’re judged by how they respond when people are frustrated. CURE is no exception. While it doesn’t dominate television ad time like GEICO or Progressive, it has developed a quiet but visible online presence — especially on platforms like Reddit, the Better Business Bureau, and consumer review sites like Trustpilot or Clearsurance.
What stands out is the tone of these conversations. Most reviewers don’t complain about high prices — quite the opposite. Many say CURE’s rates are some of the most affordable they’ve ever been quoted. Instead, the biggest friction points tend to be:
- Slow claims response times
- Difficulty reaching live support
- Confusion around billing practices
- Policy terminations that feel abrupt
One Reddit thread details a user’s experience after being rear-ended. Though the other driver admitted fault and CURE approved the claim, the lack of progress updates stretched for weeks. The reviewer noted, “It’s like they forgot about me unless I kept calling.”
That same thread, however, had others defending CURE, calling them fair but overwhelmed. One comment read, “Their premiums are great, but don’t expect white-glove service. You’re paying for basic, no-frills coverage.”
CURE’s Public Response and Communication Strategy
Unlike large insurers that have robust digital PR teams, CURE takes a quieter approach to customer communication. They rarely engage in social media threads, don’t respond publicly to every negative review, and focus instead on direct communication with policyholders via phone and email.
While this method might work for some, it’s a missed opportunity for others who want more transparency and proactive outreach — especially during high-stress situations like an unresolved claim or a policy lapse.
Their Better Business Bureau profile reflects this dynamic. While not flooded with negative reviews, the complaints that do exist follow familiar patterns: delayed settlements, difficulties with billing, or lack of follow-through after accidents.
Still, it’s worth noting that some customers post positive follow-ups after a rocky start. A common thread among those stories? Once the issue reached the right person at CURE, it was handled quickly and professionally. That suggests that the problem isn’t lack of care — it’s often a lack of capacity.
What Prospective Customers Should Take Away
If you’re considering switching to CURE, the takeaway from complaint patterns isn’t that the company is untrustworthy — it’s that they operate with limits. You may save $300–$500 per year compared to a traditional carrier, but that lower premium comes with trade-offs.
CURE’s structure seems best suited for:
- Drivers who value pricing fairness above digital convenience
- People with good driving records and simple insurance needs
- Policyholders who don’t require 24/7 mobile support or rapid claims cycles
If you’re someone who prefers texting with an agent, uploading documents through an app, or managing claims with a few taps on your phone — CURE may not offer the experience you’re used to. But if you’re more focused on getting coverage that doesn’t penalize you for your education or credit score, and you’re okay with old-school communication, CURE can still be a strong fit.
In short, the complaints around CURE don’t paint a picture of a broken company. They reveal a provider trying to do things differently, while still working through the same challenges that all small insurers face — limited manpower, growing customer expectations, and the constant pressure to keep premiums low.
