TruStage Car Insurance Review & Ratings (2023)

TruStage does not write its own car insurance — it partners with Liberty Mutual and Esurance, now Allstate. While both companies have good reviews, Allstate and Liberty Mutual tend to have higher rates.

UPDATED: Jan 10, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jan 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Jan 10, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2023Fact Checked

The Bottom Line

TruStage has been a trusted name in life insurance for over 50 years. Although it’s better known for its term and whole life insurance plans, TruStage also offers a variety of insurance options.

One of those alternative options is car insurance. Although TruStage advertises car insurance on its website, it doesn’t actually sell policies. Instead, TruStage partners with Esurance, now Allstate, and Liberty Mutual for car insurance. Depending on your ZIP code, TruStage will direct you to one of its partners.

TruStage promises you’ll be in good hands regardless of which company you choose. However, you should always compare car insurance quotes from as many companies as possible. Allstate and Liberty Mutual usually have higher rates than other companies, so you might overpay with Trustage if you don’t compare your options.

TruStage has a solid partnership with Esurance, now Allstate, and Liberty Mutual to provide customers with reliable car insurance. Although rates can be high, Liberty Mutual and Allstate offer a variety of valuable coverages that might make the extra price worth it.

Before signing up with TruStage, research other options. You’ll likely save more money with another company if you don’t already have TruStage life insurance. So, compare quotes to avoid overpaying for coverage. Start with our free comparison tool below.

Is TruStage a Good Choice?

Although TruStage is a trusted name in life insurance, buying a car policy is a little more complicated. Rather than write its own policies, TruStage sends customers to either Allstate or Liberty Mutual car insurance.

The good news for TruStage customers is that both Liberty Mutual and Esurance are excellent car insurance options. After you express interest in car insurance with TruStage, you’ll work exclusively with Esurance or Liberty Mutual representatives.

It’s important to note that Esurance’s parent company — Allstate auto insurance — phased out the brand as part of its Transformative Growth Plan. It will continue to work with existing Esurance customers, but new customers will work with Allstate.

Allstate has strong financial ratings and ranks in the top five for customer satisfaction in J.D. Power’s annual survey.

TruStage Car Insurance Ratings

TruStage obviously recommends them, but how do Esurance and Liberty Mutual ratings look? A good place to start is with A.M. Best, which rates companies on their financial strength. The better score a company has, the more likely it will be able to pay any future claims you might have.

Esurance has a superior rating of A+ from A.M. Best, while Liberty Mutual has an excellent A. Whichever company you buy insurance from, you can rest assured that your claims will be paid.

Another third-party rating company that offers valuable insight is the National Association of Insurance Commissioners (NAIC) rates companies on the number of complaints they receive compared to their size. A 1.0 is the national average — anything higher means a company gets more complaints.

Esurance has a slightly higher NAIC rating at 2.94 than Liberty Mutual’s 2.22. Although this means both companies get double the complaints than the national average, they’re not the worst ratings for major names in insurance.

Finally, the Better Business Bureau (BBB) rates companies on their ability to resolve customer issues. Liberty Mutual and Esurance both have an A+, but they also have several thousand customer complaints on the site.

As for customer reviews, most drivers say they’re satisfied with how fast the claims process is. The most common complaint is slow customer service responses.

TruStage Rates

Although TruStage redirects customers to Esurance and Liberty Mutual, they have different average rates. You will be unable to get Esurance quotes since Allstate phased out the company. However, you can look at Allstate’s average rates to get a general idea.

Consider the rates below to see how much you might pay for Trustage auto insurance:

Average Monthly Car Insurance Rates by Driving History for Allstate and Liberty Mutual
CompanyAverage Annual Rates With Clean RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
Allstate$318.33$415.64$521.73$373.63
Liberty Mutual$398.86$517.07$634.46$475.11
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Liberty Mutual and Allstate both have rates higher than the national average, with Liberty Mutual being slightly more expensive. However, you might see lower rates depending on your unique factors.

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TruStage Discounts Available

Most car insurance companies offer discounts to help their customers save money. When you get your coverage from Liberty Mutual or Allstate, you’ll have access to the following discounts:

  • Online quotes. Allstate and Liberty Mutual will give you a small discount if you start your quote online.
  • Bundling. Both Liberty Mutual and Allstate will reward you for buying more than one policy along with your car insurance.
  • Early signing. If you get a Liberty Mutual quote before your current policy ends, you’ll get a small discount.
  • Pay in full. You can choose to pay your insurance in monthly payments, but both companies give a discount if you pay for your entire six-month policy at once.
  • Multi-vehicle. Both companies will give you a discount if you insure multiple cars on the same policy.
  • Good driver. Allstate and Liberty Mutual will give you a discount if you remain claims, accident, and ticket-free. The amount of time you need to be claims-free depends on the company and your state.
  • Good student. Full-time students under 25 who maintain a GPA of 3.0 will earn a discount from Allstate and Liberty Mutual.
  • Responsible driver. Allstate rewards drivers who do not lapse on their coverage and avoid getting a cancellation notice for at least one year.
  • Safety features. If your car comes with safety features like anti-lock brakes or adaptive headlights will earn a discount from Liberty Mutual and Allstate.
  • Anti-theft devices. For drivers with a comprehensive policy, Allstate and Liberty Mutual will give you a discount if your car has anti-theft devices.
  • Military. Liberty Mutual is one of the few companies that offer a discount for U.S. military members. Active, reserve, and retired military members qualify for this discount.
  • Hybrid or electric car. Liberty Mutual offers a green vehicle car insurance discount.

Both Liberty Mutual and Allstate also offer usage-based insurance discounts for good drivers. Liberty Mutual RightTrack and Allstate Drivewise both use mobile apps to track driving behavior and calculate discounts.

Anyone can use Allstate Drivewise, even without an Allstate auto policy, but you’ll only earn a discount if you have Allstate car insurance. Only Liberty Mutual customers can use RightTrack. Compare Allstate Drivewise vs. Liberty Mutual RightTrack to learn more.

TruStage Coverage Options

Whether TruStage sends you to Esurance or Liberty Mutual, you’ll have a wealth of insurance options to choose from. Most insurance companies sell enough to cover both minimum and full coverage car insurance, including Liberty Mutual and Esurance.

The basic types of insurance you can buy from both companies are:

  • Liability. Most states require liability before you can drive, which pays for damages and injuries you cause to others. It does not protect your vehicle.
  • Collision insurance. Collision insurance covers your vehicle after an accident, no matter who is at fault. It also covers you if you hit a stationary object, like a mailbox.
  • Comprehensive insurance. Comprehensive insurance covers fire, floods, extreme weather, vandalism, and theft. Learn more about collision vs. comprehensive car insurance.
  • Uninsured/underinsured motorist insurance. This coverage protects you against drivers with inadequate insurance and hit-and-runs.
  • Medical payments/personal injury protection. Depending on your state, you can add medical payments or personal injury protection to your policy to help pay medical bills.

Your state insurance laws will determine which types and limits of each car insurance policy you must carry to drive legally. While collision and comprehensive auto insurance aren’t required by law, the terms of your auto loan or vehicle lease might require you to have it.

TruStage Car Insurance Add-Ons

Most insurance companies offer add-ons you can purchase to increase the value of your policy. Some companies offer very few, while others have extensive lists.

For example, Liberty Mutual offers a wide variety of add-ons:

  • Accident forgiveness. Liberty Mutual will forgive your first at-fault accident or traffic incident if you’ve been claims-free for at least five years.
  • New car replacement. Rather than paying for its depreciated value, Liberty Mutual will replace your car with a new one if you total it in its first model year or before you’ve driven 15,000 miles.
  • Better car replacement. As an upgrade to new car replacement, Liberty Mutual will replace a car of any age with a vehicle one year newer.
  • Deductible fund. If you add a deductible fund to your policy, Liberty Mutual will contribute $70 annually to a fund you can use for your future deductibles.
  • Gap insurance. If you total a car when you own more on your loan than the vehicle is worth, gap insurance will pay off the rest of your loan.
  • Original parts replacement. This add-on ensures that Liberty Mutual will pay for original manufacturer parts, rather than aftermarket parts, to repair your car.

Allstate’s list of add-ons isn’t as long, but it offers competitive coverage options, including:

  • Rideshare insurance. Covers the gaps that basic insurance from rideshare companies don’t cover.
  • Roadside assistance. Pays for tows, tire changes, jump-starts, and other roadside services.
  • Personal umbrella insurance. Extends the limits of your auto insurance policy to cover unforeseen costs.
  • Rental reimbursement. Allstate will pay for a rental car or rideshare services for drivers with full coverage when their vehicle is in the shop for repairs after a covered event.

Esurance has fewer options but still offers a few valuable add-ons to its existing customers. You can buy the following add-ons from Esurance if you already have a policy:

  • Roadside assistance. If you’re stranded on the side of the road, you’ll get up to $75 for tire changes, towing, and locksmith services.
  • CarMatch rental. Esurance covers up to $3,000 or 45 days for a rental car if your vehicle is temporarily unavailable after a covered event.

Esurance also offers gap insurance to protect you from an upside-down loan.

Although add-ons can improve your overall coverage, they can also significantly impact your rates. Make sure you only buy what you need to keep your rates low. Find out how much insurance coverage you need.

What other types of insurance does TruStage sell?

Although you can get help buying your car insurance from TruStage, it’s not what this company is known for. TruStage is primarily a life insurance company and sells everything from large permanent plans to small burial policies.

However, it sells more than life and car insurance. When you shop at TruStage, you can purchase the following types of insurance:

  • Renters
  • Homeowners
  • Condo
  • Term life insurance
  • Whole life insurance
  • Accidental death and dismemberment
  • Guaranteed acceptance life
  • Funeral

Like its car insurance, TruStage doesn’t underwrite its own homeowners, condo, or renters policies. Instead, it partners with Liberty Mutual for these policies.

TruStage vs. Competitors

When it comes to car insurance, TruStage has a lot of competition. The table below shows the average cost of car insurance in each state so you can get an idea of how a TruStage quote compares.

StatesAverage Monthly Liability RatesAverage Monthly Collision RatesAverage Monthly Comprehensive RatesAverage Monthly Full Coverage Rates
Alabama$39$30$14$83
Alaska$47$31$12$91
Arizona$50$26$17$92
Arkansas$37$30$18$85
California$47$38$8$93
Colorado$52$26$20$98
Connecticut$62$33$11$106
Delaware$71$28$11$110
District of Columbia$61$42$19$122
Florida$79$28$11$118
Georgia$60$32$14$106
Hawaii$39$28$9$76
Idaho$33$21$11$65
Illinois$41$28$11$80
Indiana$35$23$11$69
Iowa$28$20$17$65
Kansas$33$23$22$78
Kentucky$48$25$13$86
Louisiana$77$38$20$135
Maine$31$24$9$63
Maryland$58$33$13$104
Massachusetts$53$35$12$100
Michigan$74$38$13$126
Minnesota$40$21$17$78
Mississippi$42$30$19$91
Missouri$40$25$17$82
Montana$35$23$22$80
Nebraska$34$22$21$76
Nevada$68$28$10$106
New Hampshire$35$27$10$72
New Jersey$77$34$11$121
New Mexico$46$25$16$87
New York$73$36$15$124
North Carolina$31$27$11$69
North Dakota$25$22$21$68
Ohio$36$24$11$71
Oklahoma$41$28$21$90
Oregon$55$22$8$85
Pennsylvania$44$30$13$88
Rhode Island$71$38$11$121
South Carolina$53$25$16$94
South Dakota$27$19$25$72
Tennessee$38$28$13$79
Texas$51$35$20$106
Utah$47$24$10$81
Vermont$31$27$12$69
Virginia$39$25$12$76
Washington$55$25$9$89
West Virginia$43$29$18$89
Wisconsin$34$20$13$67
Wyoming$29$24$24$78
Countrywide$50$30$13$94
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Although Allstate and Liberty Mutual are solid companies, there are cheaper alternatives. For example, Geico, State Farm, and Progressive are among the cheapest car insurance companies in the U.S.

Compare TruStage Insurance Quotes Today

TruStage has a solid partnership with Esurance, now Allstate, and Liberty Mutual to provide customers with reliable car insurance. Although rates can be high, Liberty Mutual and Allstate offer a variety of valuable coverages that might make the extra price worth it.

Before signing up with TruStage, research other options. You’ll likely save more money with another company if you don’t already have TruStage life insurance. So, compare quotes to avoid overpaying for coverage. Start with our free comparison tool below.

Frequently Asked Questions

Is TruStage car insurance good?

TruStage doesn’t sell its own car insurance, instead relying on its partnerships with Liberty Mutual and Allstate. Liberty Mutual and Allstate have higher average rates, but their coverage options and potential discounts get positive reviews.

What is your best insurance option?

The only way to determine which insurance is best for you is to compare quotes with multiple companies. Insurers use unique factors to determine your rates, so you’ll find that some are cheaper than others.

What is TruStage’s whole life insurance?

Whole life insurance is a permanent plan that lasts your entire life as long as you pay your monthly bills. You can choose any beneficiary you’d like, and that person will receive a large cash benefit upon your death. They can use that payout to handle your funeral, end-of-life costs, household bills, and other expenses. Learn about whole life insurance quotes.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

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