Trustage Auto Insurance Discount for Credit Union Members

TruStage offers a car insurance discount to credit union members through Liberty Mutual. The discount isn't big enough to make up for Liberty Mutual's expensive rates unless you qualify for other discounts, too.


Editor's Rating

TruStage is primarily a life insurance company. It doesn't sell auto or property insurance directly. Instead, TruStage refers customers shopping for car, home, condo and renters insurance to Liberty Mutual.

The biggest benefit of buying auto insurance through TruStage is that credit union members may receive a discount of around 5%. You may need to call a Liberty Mutual agent to get the discount.

If you aren't a member of a credit union, there's no benefit to getting insurance through TruStage. But even if you qualify for a discount through TruStage, you can probably find a better rate elsewhere.

Good for
  • Lots of discounts
  • Unique coverage options
  • In-person offices
Bad for
  • Cheap rates
  • Long claims process

Alternatives to TruStage auto insurance

TruStage auto insurance quotes

Drivers who get a quote from TruStage are automatically redirected to Liberty Mutual.

Quotes from Liberty Mutual tend to be more expensive than average.

A full coverage policy from Liberty Mutual costs an average of $157 per month before any discounts.

The TruStage credit union discount is typically 5%. That's a savings of around $7 per month on full coverage insurance. But even after applying the discount, Liberty Mutual is 70% more expensive than Progressive.

TruStage car insurance quotes vs. competitors

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There's no downside to using TruStage to get an auto insurance quote from Liberty Mutual. But you should always compare quotes from multiple insurance companies.

Factors like where you live and your driving history have a much bigger impact on your insurance rates than the credit union discount.

Minimum coverage

Full coverage

Monthly rate
Geico logo
Travelers logo
Progressive logo
Liberty Mutual logo
Liberty Mutual$67

Liberty Mutual rates include a 5% discount. That's the typical discount offered to TruStage customers who belong to a credit union.

Minimum coverage

Monthly rate
Geico logo
Travelers logo
Progressive logo
Liberty Mutual logo
Liberty Mutual$67

Liberty Mutual rates include a 5% discount. That's the typical discount offered to TruStage customers who belong to a credit union.

Full coverage

Monthly rate
Geico logo
Progressive logo
Travelers logo
Liberty Mutual logo
Liberty Mutual$150

Liberty Mutual rates include a 5% discount. That's the typical discount offered to TruStage customers who belong to a credit union.

TruStage auto insurance coverage

TruStage doesn't provide auto insurance coverage directly. It refers consumers to Liberty Mutual.

Liberty Mutual offers the basic coverage you'd expect from car insurance, like liability coverage if you hit another car and comprehensive coverage if your vehicle is stolen. It also offers lots of extra coverage options for drivers who need more protection.

Accident forgiveness

Accident forgiveness can keep your rates from going up if you cause an accident.

Better car replacement

Better car replacement coverage will pay to replace your car with a newer model if it's totaled.

Gap coverage

Gap coverage will pay the difference between the value of your car and your loan or lease amount if it's totaled.

Lifetime guarantee replacement

Lifetime guarantee replacement coverage guarantees any repairs made by a Liberty Mutual preferred repair shop for as long as you own your car.

Mexico car insurance

Mexico car insurance can protect you and your car if you drive across the border.

New car replacement

New car replacement coverage will replace your new car with a brand new model if it's totaled within the first year.

Original parts replacement

Original parts replacement coverage guarantees your car will be repaired using original manufacturer parts or the best parts available.

Rental reimbursement

Rental car reimbursement will cover the cost of a rental car if your vehicle is in the shop after a covered accident.

Roadside assistance

Roadside assistance will help pay for towing, a tire change and other emergency services if your car breaks down on the side of the road.

Teacher coverage

Teacher's car insurance will pay to repair damage from vandalism and waive your collision deductible while you're driving on school business. It also expands your personal property protection to cover items that are damaged in an accident or stolen from your car.

TruStage discounts

The only Liberty Mutual discount that's unique to TruStage is the credit union discount.

Most eligible drivers can save around 5% with the TruStage credit union discount.

Liberty Mutual offers a lot of other discounts — more than most major insurance companies. You can save money if you:

  • Are an active-duty or reserve member of the military or a veteran
  • Buy multiple policies from Liberty Mutual, like home or renters insurance
  • Buy your policy online
  • Get a quote with Liberty Mutual before your current policy expires
  • Haven't filed a car insurance claim in five years or longer
  • Haven't received a ticket in five years or longer
  • Insure a child who goes to school in another city and leaves their car at home
  • Insure a student with good grades
  • Insure multiple cars on the same policy
  • Own your home
  • Pay your bill up front or in two installments
  • Sign up for automatic payments
  • Sign up to receive policy documents and bills via email
  • Sign up for Liberty Mutual's usage-based program

These discounts will typically make a much bigger impact on what you'll pay for car insurance than credit union discounts. It's worth it to check with several insurance companies to see if you can find a cheaper rate than what TruStage offers.

TruStage auto insurance reviews

Most people who buy car insurance through TruStage will only interact with the company once. Then, you'll be referred to Liberty Mutual. That means you'll be working with Liberty Mutual to make a claim or manage your policy after you've signed up.

If you're in an accident, it may take a long time for Liberty Mutual to investigate and pay out your claim.

Liberty Mutual has more customer complaints than other insurance companies of a similar size, according to the National Association of Insurance Commissioners (NAIC). Most complaints are about its long claims process. Drivers are also unhappy with the amount they receive from Liberty Mutual after an accident. That means you could be stuck paying more money for repairs after a crash.

On the plus side, Liberty Mutual is on strong financial footing. It received an A (excellent) financial stability score from AM Best. This means that consumers shouldn't worry about the company's ability to pay out claims after an accident.

Contact TruStage

Drivers who buy car insurance through TruStage need to contact Liberty Mutual with any questions about their quote or to file a claim.

  • Liberty Mutual sales department: 800-837-5254
  • Liberty Mutual customer service: 800-290-8711
  • Liberty Mutual claims: 800-225-2467

Liberty Mutual has in-person locations, meaning you can also work with an agent face-to-face. It also has a great online experience and app where you can easily file a claim and chat with agents.

Frequently asked questions

Is TruStage a reputable company?

Yes, TruStage is a reputable company. It partners with Liberty Mutual for car insurance, one of the largest car insurance companies in the country. Liberty Mutual has an excellent ability to pay out claims, according to AM Best. However, customers complain about a long claims process.

Is TruStage the same as Liberty Mutual?

No, TruStage is not the same as Liberty Mutual. TruStage is primarily a life insurance company. It doesn't sell car insurance, so it directs customers to Liberty Mutual for their car insurance needs. Liberty Mutual gives some TruStage customers a credit union discount of around 5%.

What are the pros and cons of TruStage insurance?

Drivers who get insurance through TruStage might benefit from a discount of around 5% on their Liberty Mutual car insurance policy. Liberty Mutual offers many other discounts, along with lots of coverage options to upgrade your car insurance policy.

However, car insurance quotes from Liberty Mutual tend to be more expensive than quotes from other major companies before any discounts are applied. The company doesn't have the best customer service, either. Customers complain about a long claims process and aren't always happy with the amount Liberty Mutual pays out after an accident.


To compare car insurance rates, we collected quotes across the 10 most populated cities in Massachusetts. Rates are for a 30-year-old single man with a good credit score and clean driving record who owns a 2015 Honda Civic EX.

Minimum coverage quotes include the car insurance limits legally required to drive in Massachusetts. Full coverage quotes have higher liability limits than the legal requirement, along with comprehensive and collision coverage.

Full coverage limits

  • Bodily injury liability: $50,000 per person and $100,000 per accident
  • Property damage liability: $25,000 per accident
  • Uninsured and underinsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
  • Uninsured and underinsured motorist property damage liability: $25,000 per accident
  • Personal injury protection: $8,000 with no deductible
  • Comprehensive and collision deductible: $500

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.