CURE Auto Insurance (Citizens United Reciprocal Exchange) is a not-for-profit auto insurance company
founded in 1990 and based in Princeton, New Jersey. CURE operates on a fundamentally different philosophy
than most insurers: your premium should be based on how you drive, not who you are. CURE does not use
credit scores, occupation, education level, or homeownership status to determine your rate.
Smart Insurance proudly partners with CURE to offer New Jersey and Pennsylvania drivers a fair, transparent,
and affordable auto insurance option. If you've been paying more because of your credit score or job title
rather than your actual driving record, CURE may be the right choice for you.
Transparent, driver-focused auto insurance for NJ and PA residents
CURE offers bodily injury liability and property damage liability coverage to protect you financially when you are at fault in an accident. Coverage meets and exceeds New Jersey and Pennsylvania state minimum requirements.
CURE's Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for you and your passengers after an accident, regardless of fault — a required coverage in New Jersey's no-fault insurance system.
CURE's collision coverage pays to repair or replace your vehicle after an accident with another vehicle or object. Choose your deductible level to balance your monthly premium with your out-of-pocket costs in a claim.
CURE's comprehensive coverage protects your vehicle from non-collision damage including theft, fire, vandalism, weather events, and animal contact. Essential for protecting the investment value of your vehicle.
CURE's uninsured and underinsured motorist coverage protects you when the at-fault driver doesn't carry adequate insurance. This coverage handles medical bills, lost wages, and other costs after such accidents.
CURE offers optional roadside assistance coverage that provides help when you need it most — towing, flat tire changes, jump starts, fuel delivery, and lockout services — keeping you moving no matter what happens.
A different kind of insurer built on fairness and equality
CURE is one of the very few auto insurers that does not use your credit score, education, or occupation to set your premium — only your driving record matters.
As a reciprocal exchange, CURE returns excess earnings to policyholders rather than corporate shareholders — your interests come first.
By eliminating non-driving factors from pricing, CURE often delivers significantly lower premiums for good drivers who have been penalized by their socioeconomic status elsewhere.
CURE was founded with a social mission to provide affordable auto insurance to low and moderate income drivers who are often priced out of standard markets.
Smart Insurance helps NJ and PA drivers access CURE's unique driver-based pricing model. Contact us today to see how much you could save by switching to CURE Auto Insurance.