Citizens United Reciprocal Exchange (CURE) received approval on October 13 for New Jersey auto insurance rating changes that introduce a distribution channel factor, a payment history factor, a 10% per-term cap, and an optional credit-based discount.

“CURE is introducing a Channel Factor to reflect the disparate loss experience observed between the Agency and Direct distribution channels,” the filing memo states.

The credit-based discount uses TransUnion scores and applies only to Standard policies with consumer consent. Customers who do not consent or lack credit data receive a neutral factor of 1.0.

Submitted April 17, 2026, and revised September 8, the filing took nearly six months to gain approval. CURE requested effective dates of October 1 for new business and November 7 for renewals; the supplied details do not confirm the approved effective dates.