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Family Plan 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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UPDATED: Feb 9, 2021

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Key Takeaways

  • With a family plan car insurance discount, you and your family can save an average of 18 percent on your policy.
  • At least 5 national insurance providers offer this discount to customers, however, the eligibility rules and requirements are different for each company.
  • Sometimes, a family plan discount just means your children and those living in your home are also receiving the benefits of your multi-car or multi-policy discount rates,

Some major insurance providers offer a family plan car insurance discount to customers. With this discount, everyone under your policy can receive the same benefits and savings.

Earning discounts is a great way to secure cheap car insurance rates. Read through our brief guide to learn how you can qualify for an affordable family plan car insurance discount, what companies offer this discount, and how much you can save.

Compare family car insurance rates for free right now by entering your ZIP code into our quote tool above.

What car insurance companies offer a family plan discount?

At least five major national insurance providers offer a family plan discount to customers. However, each company provides a different savings amount and uses different eligibility rules.

In the table below, see what companies offer this discount. If savings amounts are available, it’s included in the data.

Family Plan Discount Offered by Company
CompaniesFamily Plan Discount Offered
American FamilyYes
Country FinancialYes - 25%
FarmersYes
NationwideYes - 25%
The HartfordYes - 5%
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There are some great family plan discount car insurance rates you can receive. Companies like Nationwide and Country Financial take up to 25 percent off of your policy.

However, expect to save an average of 18 percent if you earn a family plan discount.

This discount is subject to state laws and regulations and may not be available where you live.

What is a family plan car insurance discount?

A family plan car insurance discount is a way for insurance companies to entice customers, earning more of your business.

This discount is similar to multi-car insurance discounts, which are earned by having more than one vehicle on your policy.

According to DataUSA, the average number of vehicles per household is two. Your provider would rather cover both of those vehicles then lose out to another company. The same logic is applied to family members.

Essentially, any members of your family who are named and insured under the same policy can potentially receive a percentage off of their premium, even if they do not live under the same roof.

If you have teenage drivers, this can be very beneficial. How much does car insurance cost for a 16-year-old on average? With no violations or accidents, it can still cost as much as $4,316 annually. A family plan discount will help lower those costs.

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

Qualifying for a family plan insurance discount varies by company because a family plan means something different to each provider. However, there are similarities.

With Country Financial, any children under the age of 25 living away from home can get the multi-policy or multi-car discount that you’ve earned as long as they also use the same provider.

That means with Country Financial there is a car insurance family plan age limit of 25.

Whatever discount you earn with Nationwide is provided to all family members under the same plan, with no age limit requirements. But they must live with you to qualify.

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

On average, a family plan discount earns you 18 percent off of your policy for the whole family. However, this percentage does not always stack with other high-return discounts, like multi-car or multi-policy.

For example, the family plan through Country Financial is just a way to provide your children with the multi-policy savings you’ve earned. It is not technically an additional amount taken out of your plan.

When in doubt, ask your agent for more information about discount rules and regulations.

You are now an expert on earning a family plan car insurance discount. Start easily looking for better rates for your family right away.

Enter your ZIP code into our free quote tool below and compare different family plan car insurance discount rates.

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