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TruStage insurance review 2025

Updated Apr 03, 2025
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At a glance

3.0
Rating: 3 stars out of 5
Bankrate Score
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Life

Rating: 3 stars out of 5

3.0

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Bankrate's take

With home and auto policies underwritten by Liberty Mutual and life policies primarily underwritten by CMFG, TruStage insurance offers an accessible solution for credit union members who want to handle their banking and insurance needs in one place. However, it’s not clear if there are benefits specific to being both a credit union member and insurance policyholder.

  • Auto and home insurance underwritten by Liberty Mutual
  • Life insurance available without a medical exam
  • Hurricane home coverage available in some states
  • Credit union members may be eligible for savings

New

What’s new with TruStage?
  • In September 2023, TruStage began offering Payment Guard, a unique insurance product designed to protect digital lenders and borrowers from covered losses. The product earned a 2024 Model Insurer Award from global research and advisory firm Celent.
  • CUNA Mutual Group announced in May 2022 that it would rebrand. The rebrand went live in early 2023 with the company adopting the name TruStage, a CUNA Mutual Group subsidiary.

TruStage car insurance review

TruStage auto insurance is offered primarily through Liberty Mutual, though some policies may be underwritten by other carriers in certain regions. Liberty Mutual has a 3.8 Bankrate Score for car insurance along with an A (Superior) financial strength score from AM Best.

In addition to standard car insurance coverage types like liability, collision, comprehensive, personal injury protection and uninsured/underinsured motorist coverage, TruStage customers may have the option to purchase add-ons such as roadside assistance or Liberty Mutual’s Better Car Replacement. For older cars that have been declared a total loss, this endorsement funds a replacement vehicle one model year newer with 15,000 fewer miles than the previous vehicle.

Liberty Mutual also offers special savings for teachers and a Lifetime Repair Guarantee for drivers who own their vehicle and have repairs completed at a Guaranteed Repair Network facility. TruStage customers may be eligible for these benefits depending on their profile and location. In addition, TruStage offers discounted rates to credit union members, though not all applicants qualify based on state regulations and individual profile factors.

Pros and cons of TruStage car insurance

Purchasing auto insurance through TruStage could come with certain benefits, but there are also drawbacks based on Liberty Mutual’s performance in third-party reviews.

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Pros

  • Lifetime Repair Guarantee available for owned vehicles repaired at a Liberty Mutual network facility
  • 24/7 claims assistance available
  • Many add-on endorsement options available for building a personalized auto insurance policy
  • Savings available for being a credit union member
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Cons

  • Not underwritten by TruStage; offered primarily through Liberty Mutual but sometimes through other carriers
  • Liberty Mutual ranked below average in most regions in the 2023 J.D. Power Auto Insurance study
  • Liberty Mutual scored below average in the 2023 J.D. Power U.S. Auto Claims Satisfaction study
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TruStage car insurance cost

Although TruStage and Liberty Mutual average car insurance rates aren’t available, looking at national rates may give you a point of comparison when looking at quotes. The national average cost of car insurance is $2,314 per year for full coverage, which includes comprehensive and collision coverage. Drivers with minimum coverage pay a national average of $644 per year. Be aware that your exact insurance premium depends on several rating factors, such as your location, driving history, age, gender and more.

To find the best car insurance company for you, request quotes from a number of insurance providers and compare the cost of your desired coverage level from each insurer.

To get a quote from TruStage, you’ll need to enter your ZIP code online or call 1-855-483-2149. Keep in mind that when you call, you will be put in contact with an agent from Liberty Mutual to finalize your quote.

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TruStage home insurance review

As with auto insurance, TruStage offers home insurance primarily through Liberty Mutual via the TruStage Auto & Home Insurance Program. Liberty Mutual has a lower Bankrate Score for home insurance at just 3.3 out of 5.0, but it offers standard coverage types like dwelling, other structures, personal property, liability and additional living expenses.

Beyond basic coverage, Liberty Mutual may offer certain endorsements, such as hurricane damage protection, water backup coverage and inflation guards. However, these products may not be available to every homeowner based on location and state regulations, so you may want to check with a Liberty Mutual agent before signing up for coverage.

Pros and cons of TruStage homeowners insurance

Along with reading TruStage insurance reviews, comparing home insurance companies is an important part of the shopping process, especially if you’re looking for the best home insurance. Here’s a quick rundown of the potential benefits and drawbacks of TruStage home insurance:

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Pros

  • Hurricane add-on coverage available in some states
  • 24/7 customer support for insurance questions
  • May earn savings by being a credit union member
Red circle with an X inside

Cons

  • Not underwritten by TruStage
  • Limited endorsements
  • Second-lowest customer satisfaction score in the 2023 J.D. Power U.S. Home Insurance Study
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TruStage home insurance cost

Like its auto insurance, Liberty Mutual’s average home insurance rates are not available. However, knowing the national average cost of home insurance could be a helpful benchmark when shopping. Premium data from Quadrant Information Services show that, on average, home insurance costs $2,151 per year for $300,000 in dwelling coverage.

When shopping for home insurance through TruStage, keep in mind that property insurance rates can vary based on your home’s age, condition and location, among other factors. Use the national average as a benchmark and compare quotes from multiple providers in order to find the rate that best fits your budget.

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TruStage life insurance review

Finding the best life insurance companies can be difficult, but TruStage life insurance may be worth a look. As with its homeowners and auto insurance policies, TruStage does not underwrite and issue its own life insurance. In partnership with CMFG Life Insurance Company, another affiliate of CUNA Mutual Group, those seeking coverage could apply for different types of life insurance through TruStage, including:

  • Term life insurance: Term life insurance provides short-term coverage for periods of 10, 15, 20 or 30 years. It pays out a death benefit and your monthly premium remains the same throughout the entire term.
  • Whole life insurance: Whole life insurance is designed to provide coverage for your entire life as long as you pay your premiums. It builds cash value, provides a tax-free death benefit and the premium remains the same.
  • Guaranteed issue life insurance: This type of product offers coverage for your entire life, and you are not required to get a medical exam or answer health-related questions in order to get a policy. Though benefits are limited during the first two years of the policy.

There are benefits and downsides to getting life insurance through TruStage. TruStage advertises life insurance with no medical exams, which could be a major advantage for some customers. You can request quotes online or through the mobile app, and coverage can start right after you submit your first payment. If you find that you no longer want the policy, you can cancel it within the first 30 days for a full refund. However, compared to life insurance policies from other carriers, TruStage life insurance may not be a good option for those wanting more than $300,000 in coverage.

Pros and cons of TruStage life insurance

Shopping for life insurance quotes can help you understand what options are available to you and which carriers offer what. Consider these pros and cons of TruStage life insurance to help you compare its life insurance products with other carriers:

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Pros

  • Medical exams not required
  • Coverage starts after first premium payment
  • Full refunds available after 30 days
Red circle with an X inside

Cons

  • Not underwritten by TruStage directly
  • Types of life insurance may be more limited compared to other carriers
  • Term life coverage caps out at $300,000

Compare life insurance providers quickly and easily

See which provider is right for you.

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Compare TruStage with other insurers

No insurance company is the best fit for every consumer. Depending on your needs for auto, home or life insurance, you may find that another company is the right insurer for you. If you’re considering life, home or car insurance from TruStage, take time to compare it with other insurance providers.

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Trustage

Trustage
Not scored

State Farm

State Farm
Rating: 4.2 stars out of 5
4.2
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Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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OVERVIEW
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State Farm may be a good option for customers seeking home, life and full coverage auto insurance from the same company, values customer service and prefers working with a local agent.
Read More
Allstate also offers car and home insurance, as well as life insurance underwritten by third parties and a wide variety of financial products for investment and retirement planning. The company has an extensive network of local agents for those who want to call or visit a local agency for any insurance needs.
Read More
STANDOUT FEATURES
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Numerous discounts offered
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Two safe driving programs
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Bankrate Award for life insuranc
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Strong mobile and online tools
Car Guide Icon
Teen driving training program
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Bankrate Award for home insuranc
AVG FULL COV. AUTO RATE
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$2,910 $3,303
J.D. POWER AUTO SCORE
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710/1000 691/1000
AVG HOME RATE
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$2,088 $2,206
J.D. POWER HOME SCORE
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661/1000 665/1000
AM BEST RATING
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A++(Superior) A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is TruStage a good insurance company?

TruStage is a legitimate company offering auto, home and life insurance policies underwritten by third parties like Liberty Mutual and CMFG Life Insurance. Because its products are geared towards credit union members, TruStage may offer advantages, including discounted prices, to customers who belong to a credit union. However, it’s still important to compare TruStage’s insurance offerings to other companies to see if those benefits are competitive compared to other offers.

What are real-life customers saying about TruStage?

TruStage includes customer reviews on their website, but to get a less filtered view of what real customers have to say, Bankrate’s insurance editorial team scoured forums, review sites and other venues for voices of real customers regarding their experience with TruStage. Overall, we found the feedback to be generally positive, with a few lukewarm comments from customers whose experience was mixed.

TrustPilot

TruStage solicits customer reviews through TrustPilot, making this the biggest repository of customer responses. While the vast majority of reviews we read were positive, some customers reported communication mix-ups or difficulty understanding their policy options.

TrustPilot User 1*
Oct 5, 2023
Quickest life insurance payout
"When my husband passed he had three different life insurance and trustage paid out the fastest. Very polite customer service."
TrustPilot User 2*
Jun 6, 2023
Pushy sales reps
"Trustage seems like a decent company, but it would be nice if the sales rep had discussed options before steering me into what he thought I needed."

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

TruStage tools and benefits

In addition to homeowners, auto and life insurance, TruStage also offers the following:

  • Condominium insurance: Condo owners are typically responsible only for the interior of their unit, which this type of policy takes into account.
  • Renters insurance: Renters may not need to insure the structure of the home they live in, but having insurance for your possessions, as well as loss of use and liability coverage, could offer peace of mind.
  • Accidental death and dismemberment insurance: This type of insurance is designed to pay a cash benefit in the event of accidental death or loss of a body part or function, such as a limb or eyesight. Some credit unions, such as Navy Federal, offer this coverage for free through TruStage.
  • Funeral insurance: Also known as burial insurance, this is a special type of whole life insurance specifically for funeral-related expenses.

Frequently asked questions about TruStage

Methodology

Bankrate Score

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

40% Ratings
 
40% Coverage
 
20% Accessibility
 
  • Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
  • Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
  • Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

What policyholders are saying about TruStage

CTA TruStage has 50 reviews

TruStage has 50 reviews

Dive into community reviews below and see what others think about TruStage.

4.1 Star Icon
50 ratings
80% of consumers
recommend this insurer
Score breakdown
5 stars
32%
4 stars
48%
3 stars
18%
2 stars
0%
1 star
2%
Score by category
Overall rating 4.1 / 5
Original cost 4.0 / 5
Coverage 4.2 / 5
Customer Support 4.1 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about TruStage.
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Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They offered a wide range of products
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I am with them because they are a trustworthy and genuine company who is willing to help. The only reason I may switch with them is if they switch up and become difficult
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
the cost and coverage
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They’ve been very reliable and I enjoy being with them
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
10/10 experience, everything went smoothly
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I got a better deal by bundling my policies.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their communication is always clear and professional.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They have great customer loyalty programs.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Their claims process is faster than my last insurer.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They always give clear answers to my questions.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Written by
R.E. Hawley
Senior writer, Insurance
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Edited by Editor II, Insurance