- Prices without credit score, education, or occupation — unusual, and its whole appeal
- New Jersey-based reciprocal exchange (member-owned); writes NJ, PA, and Michigan
- Raised NJ auto rates ~6% for 2026 on ~45,600 policyholders (approved NJ DOBI filing)
- Best for drivers penalized by thin credit, a non-traditional job, or no college degree
- Its low book-average premium reflects a minimum-limits coverage mix — compare full coverage before assuming it's cheapest
CURE (Citizens United Reciprocal Exchange) is built around one idea: your credit, education, and occupation shouldn't set your car-insurance price. Most insurers lean heavily on credit-based insurance scores; CURE doesn't use them at all. For a driver with a clean record but thin credit, a blue-collar job, or no college degree — the profiles those factors quietly surcharge — CURE can be dramatically cheaper than a national carrier.
It's a reciprocal exchange (member-owned rather than shareholder-owned), based in New Jersey and writing in NJ, Pennsylvania, and Michigan. That focus is a feature: CURE knows its three markets deeply, but it isn't an option outside them.
What the filings show
New Jersey regulators approved a CURE rate increase of about 6% for 2026, across roughly 45,600 policyholders. That runs with New Jersey's broader 2026 pattern — most mid-size NJ auto writers raised, while the two giants (NJM and State Farm) held flat and GEICO cut. A CURE increase doesn't undo its structural advantage for credit-penalized drivers, but it does make comparing worthwhile.
Who CURE is right for
CURE is strongest for good drivers who get penalized for things unrelated to driving — a low or thin credit file, a service or trade occupation, or no bachelor's degree. For those drivers it is frequently the cheapest legitimate option in NJ/PA/MI. It's a weaker fit for drivers with excellent credit and a white-collar profile, who often do better at a credit-using national carrier.
One caveat on the "cheapest" label: CURE's low book-average premium partly reflects a minimum-limits coverage mix, not just a cheap full-coverage price. If you need full coverage on a financed car, compare CURE against the national carriers for your exact profile — don't assume the headline is your number.
CURE’s recent rate filings
The actual rate changes CURE filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, CURE filed 2 auto rate changes across 2 states, averaging +2.9%. Each row links to the filing in our rate-filings ledger.
| Product | State | Change | Effective | SERFF filing |
|---|---|---|---|---|
| Auto | MI | −0.3% | Jul 2026 | #CURE-134852791 ↗ |
| Auto | NJ | +6.0% | Nov 2025 | #CURE-134400950 ↗ |
Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.