Family Legacy Car Insurance Discount

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer

UPDATED: Feb 9, 2021

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Key Takeaways

Six major national providers offer a family legacy car insurance discount to customers.
USAA provides the highest savings amount at 10 percent. However, the average amount you can save with a family legacy discount is 7.5 percent.
Each insurance provider has different qualification rules you must meet to earn this discount.

Family legacy car insurance discounts are available from six different major national providers. Read through our brief guide to discover what companies offer this discount, how you and your family can qualify, and finally secure cheap car insurance rates.

Compare family legacy car insurance discount rates from reputable providers near you by entering your ZIP code into our free quote tool above.

Table of Contents

What car insurance companies offer a family legacy discount?

Six national insurance companies offer a family legacy discount to customers. Take a look at the table below to see if your current provider made the list. If savings amounts are available, it’s included in the data.

Family Legacy Discount Offered by Company

Companies	Family Legacy Discount Offered
American Family	Yes
Amica	Yes - 5%
GEICO	Yes
MetLife	Yes
Progressive	Yes
USAA	Yes - 10%
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You can receive affordable family legacy car insurance discount rates from any of the companies listed above. However, USAA provides customers with the most savings at 10 percent.

Only military personnel are eligible to use USAA’s services. However, the other five companies are available to anyone.

Which car insurance company is cheapest for your family will depend on a variety of factors, like age, driving records, and where you all live. Be sure to compare quotes from each provider before you buy.

What is a family legacy car insurance discount?

According to DataUSA, the average number of vehicles owned per household is two. Your insurance company wants you to cover both vehicles under one policy to maximize business. The same logic is applied to your family.

A family legacy discount is, therefore, a way for insurance companies to incentivize members of a family to all use the same insurer. This includes adult-aged children who may have moved away from home.

As a reward for your customer loyalty, a small discount is applied to your policy.

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How can I qualify for a family legacy car insurance discount?

The qualification rules for family legacy discounts vary depending on what provider you use. For Amica, your children must all be under the age of 30 to receive the discount.

With USAA, children must be under the age of 25 and need to have been on the parent’s plan for at least three years. You must also maintain a clean driving record to remain eligible.

Progressive, on the other hand, actually rewards your children once they get their own plan by adding your good coverage history to their profiles. This can help your children earn cheaper than average rates.

How much can I save with a family legacy car insurance discount?

The average rate you can save with a family legacy discount is 7.5 percent. That savings will be applied to your policy for as long as you meet the guidelines and requirements as spelled out by your insurer.

If you are a child who ages out of eligibility, you will lose the discount.

You are now an expert on securing a family legacy car insurance discount. Help your family take advantage of these great savings opportunities today.

Enter your ZIP code into our free quote tool below and immediately compare family legacy discounts from reliable providers in your area to get the most affordable car insurance rates for you.

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