What’s a Family Legacy Discount? How Do I Get It?

If your family remains loyal to the same insurance provider, you could all earn a family legacy discount on your auto insurance policies. You can buy family legacy discount auto insurance from eight national insurance companies. Customers save 7.5% on average with affordable family legacy discount auto insurance.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 21, 2021

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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

What You Should Know

  • Eight national auto insurance companies offer a family legacy discount to drivers
  • Customers save 7.5% on their annual premiums on average with this discount
  • Age restrictions often apply to this discount

If your family remains loyal to the same auto insurance provider, you could earn a family legacy discount on your auto policy.

Below, learn how to compare auto insurance quotes and take advantage of customer loyalty discounts like the family legacy discount.

After comparing affordable family legacy discount auto insurance rates, remember to enter your ZIP code into our free tool above to receive quotes from the best companies near you.

What auto insurance companies offer a family legacy discount to drivers?

Currently, eight national auto insurance companies offer family legacy discounts to drivers.

Customers save 7.5% on their annual rates by earning this discount.

Take a look at a complete list below to verify if you already use a family legacy discount auto insurance company:

It’s possible local providers in your region also offer this savings opportunity to customers.

Many different factors influence your auto insurance rates, including your age, driving record, and coverage needs.

Therefore, to truly secure your lowest possible insurance costs, compare quotes online from multiple providers.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

What is a family legacy discount?

According to DataUSA, the average number of vehicles per household is two. So insurance companies want as much of that business from you and your family as possible.

Therefore, a family legacy discount is a way for an insurer to offer you rate reductions for your customer loyalty.

To qualify for this savings opportunity, you and your family members must all use the same participating insurance provider.

Usually, your entire family must use the same policy. But MetLife provides the discount even if your children leave your plan.

Age restrictions also often apply. For example, if you use Amica, only children under 30 qualify. With USAA, your children must be younger than 25.

Careful not to confuse family legacy discounts on your auto insurance policy with the GM family legacy discount, known as GM Family First.

Employees of GM and their families are eligible for various discounts and special pricing across a large number of brands.

This includes discounted vehicles created using the GM Family first build and price tool.

If you have one, use a GM Family First authorization number to log into your account and access more information.

Family Legacy Discount: The Bottom Line

If your family uses the same auto insurance company, it’s worth asking about a family legacy discount. You can even earn a rate reduction for your teen drivers.

Other auto insurance discounts that can help your family save include:

  • Safe driver discount
  • Good student discount
  • Multi-car discount
  • Multi-policy discount

Otherwise, shop around and compare rates online from different companies to find your lowest possible prices.

Now that you’ve learned where to buy family legacy discount auto insurance, secure your cheapest rates from the top providers near you by entering your ZIP code into our free rate tool below.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption