Trustage Auto Insurance Review [2023]
TruStage is a life insurance company that refers clients to Liberty Mutual and Esurance for their auto insurance needs. Still, you may find that rates with Esurance and Liberty Mutual are lower than rates with other car insurance companies in your area.
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UPDATED: Jan 30, 2023
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The Bottom Line
TruStage is a life insurance company that does not offer car insurance coverage. Instead, the company recommends purchasing a car insurance policy with either Esurance or Liberty Mutual.
Esurance and Liberty Mutual have standard car insurance coverage options and offer add-ons if you want to customize your policy. However, rates with both companies are often higher than those of companies like Geico and State Farm. In addition, Esurance and Liberty Mutual customers are sometimes unsatisfied with their policies or customer service experiences.
Purchasing a policy via TruStage with Esurance or Liberty Mutual could help you save money, especially if you’re a credit union member. Still, it’s important to find and compare quotes before you make a final decision on coverage to ensure you don’t pay too much for what you want.
TruStage is a life insurance company with over 50 years of experience in the industry. In addition, because TruStage has partnerships with many credit unions worldwide, TruStage policyholders may receive discounts for purchasing coverage with the company or its affiliates — like Esurance and Liberty Mutual — via a TruStage representative.
Though there are no TruStage auto insurance reviews, the company is well-known. It has positive reviews and ratings, suggesting customers are satisfied with their policies and appreciate TruStage’s approach to life insurance coverage.
TruStage insurance agency reviews suggest that life insurance customers can file claims over the phone, in person, on the company website, and via its mobile app. The average response time for a filed claim is three to five business days.
Is Trustage Insurance a Good Choice?
TruStage is a life insurance company and does not provide car insurance coverage. However, the company refers its life insurance clients to Esurance and Liberty Mutual for their auto insurance needs. So if you’re looking for car insurance coverage, you may consider Esurance or Liberty Mutual as your car insurance company.
Depending on your coverage with TruStage, you may get a discount on car insurance coverage with Esurance or Liberty Mutual. Additionally, many individuals receive discounts on auto insurance coverage if they are credit union members.
As you shop for auto insurance, it’s important to know what coverage you’re looking for. Once you know the types of coverage you need, you can find companies that might work for you and compare quotes to see which offers the coverage you want for the best price.
Comparing car insurance quotes is a great way to ensure you get proper auto insurance coverage without overpaying. While you cannot compare TruStage car insurance quotes, you could start by comparing quotes from Esurance and Liberty Mutual.
Does TruStage have good ratings?
If you purchase car insurance via TruStage, you will only interact with the company once or twice. After that, you’ll primarily deal with either Esurance or Liberty Mutual for your car insurance needs. While TruStage has an A (Excellent) financial strength rating with A.M. Best, the company’s ratings won’t matter much if you’re looking for car insurance.
TruStage has a B rating with the Better Business Bureau (BBB) and has 4.7 out of five stars with Trustpilot and over 5,000 customer reviews. TruStage customers are happy with their products and services, and many state that TruStage’s customer service department is helpful.
Do Esurance and Liberty Mutual have good ratings and reviews?
Esurance and Liberty Mutual both have positive ratings with A.M. Best. Esurance has an A+ (Superior) financial strength rating, while Liberty Mutual has an A (Excellent) financial strength rating with A.M. Best. In addition, both companies have positive outlooks for future endeavors.
When it comes to customer reviews, Esurance and Liberty Mutual both receive average feedback. Neither company has great reviews concerning customer service or claims handling, but neither has overly negative reviews. Esurance received a three out of five-star review with J.D. Power for customer service rankings. Liberty Mutual scored slightly lower, with two out of five stars.
According to the National Association of Insurance Commissioners (NAIC), Esurance and Liberty Mutual each receive a higher-than-average number of customer complaints concerning customer service and claims handling.
While customers are not blown away by Esurance and Liberty Mutual, each company’s financial strength rating should be encouraging to anyone considering purchasing a car insurance policy. If you’re interested in learning more about Esurance and Liberty Mutual, you can research each company and read reviews from current and former customers.
Trustage Insurance Rates
Your driving record is one of the most important factors in determining car insurance rates. If you have a clean record, you can expect to pay less for coverage than someone with an accident or speeding ticket on their driving record.
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Geico | $179 | $220 | $266 | $406 |
| American Family | $224 | $252 | $310 | $361 |
| Nationwide | $229 | $259 | $283 | $379 |
| State Farm | $235 | $266 | $283 | $303 |
| Progressive | $283 | $334 | $398 | $331 |
| Travelers | $287 | $355 | $357 | $478 |
| Farmers | $288 | $340 | $377 | $393 |
| Allstate | $318 | $374 | $416 | $522 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
As you can see, a speeding ticket can increase your car insurance rates by $400 or more annually. If you have an at-fault accident on your driving record, you could pay over $2,500 annually or $208 monthly for vehicle coverage.
Unfortunately, age also impacts a person’s car insurance costs. If you are a teen driver or have one on your insurance policy, you may see substantial increases in your car insurance costs. The average cost of insuring a teen driver is $3,852 annually or $321 per month.
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Trustage Insurance Discounts Available
If you purchase a car insurance policy through TruStage, you may be entitled to certain discounts because you’re a credit union member. In addition, Liberty Mutual offers certain discount options as well. Some of the company’s most popular discounts include:
- New driver discount: Save up to 30% on teen or young adult car insurance rates if you add a new driver to your policy.
- Multiple vehicle discount: Save on your monthly or annual premiums if you insure more than one vehicle with Liberty Mutual.
- Good student discount: Students with a GPA of 3.5 or higher may enjoy up to 15% off their auto insurance rates.
- Bundling discount: You may save on your insurance rates if you bundle certain coverages, like home and auto, with Liberty Mutual.
Esurance likely offers discounts on coverage as well. You can speak with Esurance and Liberty Mutual representatives to see if you qualify for discounts and learn how much you could save on your monthly or annual premiums.
Trustage Insurance Coverage Options
TruStage does not offer car insurance coverage, but the company recommends Esurance and Liberty Mutual for customers’ auto insurance needs. Both companies offer standard coverages you would expect from an auto insurance company, like:
- Property damage liability
- Bodily injury liability
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist coverage
- Collision insurance
- Comprehensive insurance
You may only need liability coverage to drive legally on the road in your state. Some states also require PIP, MedPay, and/or uninsured/underinsured motorist coverage as well. The state minimum required insurance is a minimum coverage policy. Anyone looking for full coverage auto insurance will be adding collision and comprehensive coverage to their policy.
In addition to the coverage options listed above, Esurance and Liberty Mutual may offer additional options for car insurance, like:
- Roadside assistance
- Gap insurance
- New car replacement
- Rideshare coverage
- Rental car reimbursement
To learn which auto insurance companies offer the best roadside assistance or add-ons you know you want, research companies in your area. If you’re interested in learning more about add-on options with Esurance or Liberty Mutual, you can speak with a company representative. Coverage options may vary based on your location.
Trustage Insurance vs. Competitors
If you purchase car insurance with Liberty Mutual through TruStage, you may pay higher-than-average rates for your coverage. The average cost of a full coverage car insurance policy with Liberty Mutual is $2,768 annually or $231 per month.
Purchasing auto insurance with Esurance through TruStage may help you save on coverage. The average full coverage car insurance policy with Esurance costs around $2,077 annually or $173 monthly.
| Companies | Monthly Rates with a Clean Driving Record | Monthly Rates w/ One Speeding Violation | Monthly Rates w/ One Accident | Monthly Rates w/ One DUI Conviction |
|---|---|---|---|---|
| Allstate | $318 | $374 | $416 | $522 |
| American Family | $224 | $252 | $310 | $361 |
| Farmers | $288 | $340 | $377 | $393 |
| Geico | $179 | $220 | $266 | $406 |
| Liberty Mutual | $398 | $475 | $517 | $634 |
| Nationwide | $229 | $259 | $283 | $379 |
| Progressive | $283 | $334 | $398 | $331 |
| State Farm | $235 | $266 | $283 | $303 |
| Travelers | $287 | $355 | $357 | $478 |
| USAA | $161 | $183 | $210 | $292 |
| Average | $260 | $306 | $342 | $410 |
In terms of cost, Esurance and Liberty Mutual have higher coverage rates than Erie, Auto-Owners, State Farm, Geico, Progressive, Nationwide, Travelers, and Farmers on average. Liberty Mutual car insurance rates are also higher than rates with The Hartford.
Click to compare Geico vs. Travelers auto insurance.
Frequently Asked Questions
Is TruStage auto insurance good?
TruStage does not offer car insurance. Instead, the company recommends Esurance and Liberty Mutual coverage to its clients. Esurance and Liberty Mutual have mixed customer reviews, but both companies offer the coverage you might need, and each has a positive financial strength rating with A.M. Best.
What is TruStage whole life insurance?
A whole life insurance policy with TruStage offers death benefits to a policyholder’s beneficiaries when they pass away. In addition, whole life insurance with TruStage never expires as long as you continue to pay your premium, and rates should not increase during the length of your policy.
What’s my best option for auto insurance coverage?
You should compare quotes online to find the car insurance option that works best for you. Comparing quotes will help you save money and ensure you have the coverage you need for your peace of mind.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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