If you search for TruStage auto insurance reviews, you'll soon discover that the company does not 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. Check out our full Liberty Mutual insurance review for more information on this provider.

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 are 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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About TruStage Auto Insurance

TruStage Insurance is a subsidiary of CUNA Mutual Group, a financial company that has been in business since 1935. It is primarily a life insurance company, but it has recently 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.



TruStage Car Insurance Coverage Options

TruStage does not 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.

Additionally, Liberty Mutual offers the following special coverages:

Liberty Mutual auto insurance also provides several very unique policies:

  • Mexico car insurance: Covers you if you’re driving to Mexico
  • Teachers 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 



TruStage Cost And Discounts

TruStage auto insurance policies are offered through Liberty Mutual and follow the partner company's pricing. Based on our research the average annual premium from Liberty Mutual is in line with the national average for most auto insurers. 

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:

TruStage does not offer quotes itself, as it’s not a direct insurance provider. Instead, interested motorists can enter their credit union and zip code on the TruStage website, after which they’ll be redirected Liberty Mutual. From there, the quote process is similar to most other auto insurance providers: you’ll fill in information about yourself, your vehicle, and any other drivers on the plan, select the coverage you want, and then purchase a policy. 

When you're ready to start comparing the best car insurance quotes in your area, our free tool below.



TruStage Auto Insurance Reviews

TruStage has an A rating from the BBB but no customer reviews. On Trustpilot, the company has 4.8 out of 5.0 stars and over 4,000 reviews. Customers are generally very 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 Auto Insurance Reviews

Customers tend to praise TruStage for its knowledgeable staff and superior customer service. One Trustpilot reviewer wrote:

"Everything was very simple and easy ... [TruStage] is truly the best option for anyone who is searching for additional insurance without having to feel like [it's] a negotiation process."

- Kenneth Evans via Trustpilot

However, although in the minority, some TruStage policyholders are unhappy with TruStage auto insurance through Liberty Mutual. Here's one example:

"I received a letter in the mail from my credit union for TruStage [that said I] could possibly save $500 on auto insurance. So I got a quote, and it was $70 a month higher than my current policy and has a higher deductible. Was very disappointed.”

- Jennifer Sepanski via Trustpilot

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. 

Liberty Mutual Auto Insurance Reviews

Liberty Mutual has an A+ on the Better Business Bureau and a 1.13 out of 5-star customer rating with over 400 reviews. The provider also has 1.6 out of 5.0 stars on Trustpilot with 31 reviews. 

Here are a few examples of customer reviews.

"I have been with Liberty Mutual for four years. I originally switched for the new car replacement coverage, since my car was newer. From the begining with two cars and a house insured I saved $100 a month compared with [the provider] that I had previously." 

- Maria N. via BBB

"Impossible to cancel [the] policy. Can only call by phone. [Over] 60-minute wait time limit, but my call always drops before 20 minutes elapses. Offer a callback number or fix your sketchy business practices where I can't cancel an account."

- Justin K. via BBB



TruStage Apps And Technology

Again, TruStage auto insurance policies are serviced through Liberty Mutual, so 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.

Liberty Mutual also has two money-saving apps: ByMileTM and RightTrack®. The ByMile phone 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.



Our Take On TruStage Auto Insurance: 4.0 Stars

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. 

TruStage Auto Insurance Pros TruStage Auto Insurance Cons

Discounts for credit union members

Liberty Mutual has mixed customer satisfaction ratings

Unique insurance coverage options

Not a direct insurance provider

Multiple ways to file claims, including a mobile app

Credit union discounts don’t appear to be very substantial


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



Other Auto Insurance Providers To Consider

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 Insurance logo

State Farm Auto Insurance

State Farm is the No. 1 auto insurance provider in the United States based on market share, and we have 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 its near-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 does not offer an accident forgiveness program, which you can get if you purchase TruStage auto insurance through Liberty Mutual. 

Customer Satisfaction

State Farm has an A+ rating from the BBB. Customers are generally satisfied with their policies. State Farm has fewer than the median number of complaints for an insurance company its size. 

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. Learn more in our detailed review of State Farm auto insurance.



Geico Insurance logo

Geico Auto Insurance

After State Farm, Geico has the 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 is 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 median number of complaints for a company of its size. 

Coverage Options

Geico focuses on providing a strong yet standard insurance product. It offers standard insurance 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: 

Customer Satisfaction

Geico’s focus on technology has made it a very easy company to file claims with and get quotes from. Its app is highly rated, with a 4.8 out of 5.0 on Google Play, indicating that customers find it easy to use and helpful.

In addition to filing claims via phone calls, online, or through the app, customers can also meet with a local representative in person to discuss their claims. 

Our Verdict

Geico makes car insurance convenient – both procedurally and financially. Between its no-hassle filing and quotes processes and its reasonable rates, Geico has an insurance product that we highly recommend. Learn more in our review of Geico auto insurance.



FAQ: TruStage Auto Insurance

Is TruStage car insurance good?

TruStage does not offer car insurance itself. Instead, it refers interested drivers to its partner, Liberty Mutual, which then offers policies. TruStage’s main draw is its discounts for credit union members; however, it remains to be seen if these discounts are truly substantial.

What is TruStage Whole Life Insurance?

TruStage Whole Life Insurance is a life insurance policy that covers the insured’s funeral and other final expenses when they pass away, relieving their surviving family members of the financial burdens associated with death. The policy does not expire, and the rate is locked in as soon as you sign up.





In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.


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