TruStage Auto Insurance Review

Key Points:

• TruStage connects interested drivers with partner company Liberty Mutual.
• If you have a credit union membership, you can access special auto coverage discounts through TruStage.
• TruStage is a subsidiary of a financial company founded in 1935.

If you search for TruStage auto insurance reviews, you’ll soon discover that the company doesn’t actually offer its own car insurance. TruStage is a life insurance company that offers discounts to credit union members. However, it is able to provide auto insurance coverage via its partnership with Liberty Mutual.

TruStage advertises significant car insurance savings for its customers. In this guide, we’ll put that promise to the test, taking a look into TruStage auto insurance coverage options, pricing, customer satisfaction ratings, and more.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. When you’re ready to start comparing free, personalized insurance quotes from the best auto insurance providers in your area, use our tool above.

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Trustage Auto Insurance Overview

TruStage Insurance is a subsidiary of CUNA Mutual Group, a financial company that has been in business since 1935. Its  policies are underwritten by CMFG Life Insurance Company. TruStage is primarily a life insurance company, but it added auto insurance to its roster of coverage offerings. 

However, TruStage auto insurance doesn’t come directly from the provider. Instead, TruStage acts as a sort of insurance broker, connecting interested motorists to its partner company, Liberty Mutual. One of the main draws of choosing TruStage auto insurance is its discounts for credit union members.

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TruStage Car Insurance Coverage Options

TruStage doesn’t offer any auto insurance policies on its own. Instead, the TruStage Auto & Home Insurance Program provides coverage through Liberty Mutual.

Liberty Mutual provides standard coverage and a few additional options that stand out among other insurers. The standard types of auto insurance include:

• Bodily injury and property liability coverage (BI/PD): This covers damage you cause to other people and their property. In the event of an accident, liability auto insurance will cover the car repairs, medical expenses, and legal fees.
• Collision coverage: This covers the cost of damages to your own vehicle in the case that you get into a collision with another car or an object. 
• Comprehensive coverage: This protects you from any other damages to your vehicle that aren’t due to a collision, including theft, vandalism, natural disasters, civil disturbances, and more.
• Medical payments coverage (MedPay): This covers the costs of vehicle-related medical treatments for both yourself and your passengers, regardless of whether you or another driver is at fault in an accident. Unfortunately, this type of insurance is not available in all states.
• Personal injury protection (PIP): This covers medical treatment and other injury-related losses such as lost wages from days you were unable to work.
• Uninsured/underinsured motorist coverage (UI/UIM): This protects you in the case that you get into an accident with someone who doesn’t have enough insurance and consequently can’t cover your expenses.

Additional Coverage Options

Additionally, Liberty Mutual offers the following specific coverages:

• Loan/lease guaranteed asset protection (GAP) insurance
• Towing and labor coverage
• Rental car reimbursement
• New car replacement coverage
• Accident forgiveness insurance

Specialty Coverage Options

Liberty Mutual auto insurance also provides several unique policies:

• Mexico car insurance: Covers you if you’re driving to Mexico
• Teacher’s car insurance: Protects teachers from damage that may occur on school grounds
• Original parts replacement: Covers the cost of original manufacturer parts if your vehicle needs repairs
• Liberty Mutual Deductible Fund: Gradually lowers and eventually eliminates your collision deductible
• Lifetime repair guarantee: Guarantees repairs on your car made by an approved repair facility
• Better car replacement: If your car is totaled, you can replace it with a car that’s one model year newer and has 15,000 fewer miles on it

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TruStage Auto Insurance Cost And Discounts

TruStage auto insurance policies are offered through Liberty Mutual and follow the partner company’s pricing. Get a quote from TruStage to see what you might pay based on your driver profile. 

To provide you with a better sense of typical insurance premium costs, we’ve compiled a table below showing average full-coverage cost estimates from other leading car insurance providers. The data is based on the profile of a 30-year-old driver with a clean driving record and a good credit score.

TruStage Auto Insurance Discounts

A perk of getting auto insurance through TruStage is that you may get a discount for being a credit union member. In addition, the Liberty Mutual insurance company also offers a few discounts, such as:

• New driver discount of 30 percent
• Multiple vehicle discount
• Good student discount
• Home and auto insurance bundle discount for homeowners

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TruStage Auto Insurance Reviews

TruStage has an A+ rating from the Better Business Bureau (BBB), which means it’s responsive to customer complaints. On Trustpilot, the company has a rating of 4.8 out of 5.0 stars and over 8,000 reviews. Customers are generally happy with the service they’ve received, which is promising that any issues with TruStage auto insurance will be resolved by the company quickly.

TruStage Reviews

Customers tend to praise TruStage for its knowledgeable, friendly staff and superior customer service. However, although in the minority, some TruStage policyholders are unhappy with TruStage auto insurance through Liberty Mutual, and mention issues with pricing.

Remember that TruStage itself is a life insurance company, not an auto insurance company. Let’s take a look at Liberty Mutual’s customer reviews for a more accurate rate on TruStage’s auto coverage.

Liberty Mutual Auto Insurance Reviews

Liberty Mutual has an A- on the Better Business Bureau and a 1.1 out of 5-star customer rating with over 1,500 reviews. The provider also has 1.1 out of 5.0 stars on Trustpilot with just over 300 reviews. Happy customers mentioned that they saved money with their Liberty Mutual policies, while complaints cite problems with communication and cancellation. 

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TruStage Apps And Technology

Since TruStage auto insurance policies are serviced through Liberty Mutual, there is no TruStage car insurance app. Liberty Mutual does have a mobile app that allows customers to access insurance ID cards, file accident reports, and check claims. This app has a 4.6 out of 5.0-star rating on the Google Play store and a 4.8 on the App Store. 

Liberty Mutual also has two money-saving apps: ByMile™ and RightTrack^®. The ByMile mobile app tracks mileage data and can help low-mileage drivers find reduced rates. The RightTrack phone app works in conjunction with the Liberty Mutual RightTrack tag device to automatically record trips. Driving habits are captured and safe drivers are offered lower premium rates. Customers can save up to 30 percent through the RightTrack app.

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TruStage Auto Insurance: Our Take

TruStage is a reputable company that excels at providing great customer service for its life insurance policies. It may be worth getting a quote for TruStage auto insurance through Liberty Mutual if you’re a credit union member, but you may be able to find cheaper rates and better service with another insurer.

Use the tool below to start getting free quotes from Liberty Mutual and some of our other top providers.

TruStage Auto Insurance: Recommended Competitors

It’s always wise to get quotes from several insurance companies when making your decision. We’ve researched the top car insurance companies in the industry, and below, we’ve rounded up some great alternatives to TruStage auto insurance.

State Farm Auto Insurance

State Farm is the biggest auto insurance provider in the United States based on market share, according to the National Association of Insurance Commissioners (NAIC). We’ve given it favorable ratings due to its low premiums and satisfactory coverage. The company is financially strong and able to fulfill claims.

Reputation And Financial Strength

AM Best awarded State Farm an A++ financial strength rating, which is the highest rating possible. This indicates that State Farm has the financial capabilities to fulfill claims and that customers should have an easier time getting their claims fulfilled than with other insurance companies.

State Farm was founded in 1922 and has built a strong reputation as a trustworthy insurance provider over a century in business.

Coverage Options

State Farm offers standard coverage as well as a few optional add-ons such as sports car coverage, antique car coverage, and travel and rental insurance.

We were particularly pleased with State Farm’s travel and rental insurance, which not only reimburses motorists for the cost of a rental car but also covers the cost of lodging and food if the driver is stranded more than 50 miles from home.

Discounts And Rewards

State Farm auto insurance offers multiple discounts such as:

• Good student discount
• Discount for drivers under age 25 who complete a State Farm driving safety course
• Multiple vehicle discount
• Car and home insurance bundle discount

Unfortunately, State Farm doesn’t offer an accident forgiveness program, which you can get if you purchase TruStage auto insurance through Liberty Mutual.

Our Verdict

State Farm’s low insurance premiums, along with its strong reputation and financial standing, make it one of our top recommendations for auto insurance. Although accident forgiveness is not an option with State Farm, we believe its other good features make up for it.

Geico Auto Insurance

Geico has the third-largest market share of the U.S. insurance industry. The company has a strong focus on integrating technology into its products for added convenience, and its rates are quite reasonable, albeit slightly higher than State Farm’s.

Reputation and Financial Strength

Geico has also received an A++ rating from AM Best. It’s a generally well-regarded auto insurance company, largely due to its famous TV ads. However, customers seem to be satisfied with their policies, and the company has received fewer than the average number of complaints for a company of its size according to the NAIC. 

Coverage Options

Geico focuses on providing strong yet standard coverage. It offers standard insurance products, like  and a few other upgrades such as rental reimbursement.

Discounts And Rewards

Geico has a long roster of discounts and reward programs. These include the following and more:

• Senior discount
• Student discount
• Military personnel discount
• Vehicle safety features discounts
• Multi-vehicle discount

Our Verdict

Geico makes car insurance convenient–both procedurally and financially. Between its online accessibility, no-hassle filing and quotes processes, and its reasonable rates, Geico is a provider we highly recommend.

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TruStage Auto Insurance: FAQ

Here are some frequently asked questions about TruStage:

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How We Rate Auto Insurers

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:

• Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
• Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
• Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
• Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
• Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
• Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.

*Data accurate at time of publication.

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