Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Jul 28, 2021

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Key Takeaways

  • Policyholders may be eligible for a family legacy discount if they have family members using the same insurance company.
  • Customers enrolled in a family legacy program report a 7.5% average yearly savings on car insurance costs.
  • At least eight major insurers offer family legacy discounts.

Owning a car costs more than the sticker price at the dealership. For many drivers, the cost of insurance is the highest ongoing expense associated with owning a car. The good news is that a family legacy discount and other car insurance discounts can save you big money.

Family legacy discounts benefit customers who insure their cars with the same company as family members. On average, customers save 7.5% off their annual premium by taking advantage of their car insurer’s family legacy program

When you’re ready to see how much you can save on car insurance, enter your ZIP code above to receive free quotes from top insurers.

What is a family legacy car insurance discount?

A family legacy discount is a program offered by some car insurance companies that reward long-time customers. To qualify, a customer must have family members who have held an insurance policy with the company for a certain number of years or across multiple generations. 

Each car insurance company with a family legacy discount has special eligibility requirements. 

Some insurers may require that you have one or more family members holding a policy with the company. Others may require that previous generations of your family were policyholders to qualify.

Insurers may have additional qualifications for family legacy discounts such as having family members who served honorably in the military. 

Children who use the same car insurance as their parents may be eligible for a family legacy discount. Their children may also qualify for the legacy program once they begin driving. 

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What companies offer a family legacy car insurance discount?

We found eight national car insurance companies currently offering a family legacy discount program. You may also be able to find similar discount programs from local insurers in your area. 

The major car insurance companies in the following table have family legacy discounts that save customers 7.5% yearly on average. 

National Car Insurance Companies Offering Family Legacy Discounts and Customer Service Phone Numbers
Insurance CompanyCustomer Service Phone Number
American Family car insurance800-692-6326
Amica car insurance800-242-6422
Country Financial car insurance866-268-6879
Farmers car insurance888-327-6335
GEICO car insurance800-207-7847
MetLife car insurance800-422-4272
Progressive car insurance888-671-4405
USAA car insurance800-531-8722
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Contact customer service or your local agent If you’re a policyholder with one of the above companies and think you may qualify for a family legacy discount on car insurance.

What are some other ways to save money on car insurance?

Family legacy discounts are an excellent way to save on car insurance expenses, but they’re not the only available car insurance discounts you should always ask about

You can price insurance before you buy a car. Insurance costs vary depending on the make, model, and age of the car you’re looking to purchase. Insurance for a brand new Ford Mustang will likely cost more than a pre-owned Toyota Sienna minivan. 

Factors like your vehicle’s safety features and its risk of car theft also influence the price of your car insurance. You can save money in the long run by comparing insurance costs before you go to the dealership. 

You may consider choosing a car insurance policy with a high deductible to lower your premium. While this method saves you money upfront, be aware that you’ll be responsible for more out-of-pocket costs should you file a claim.

Many insurers offer discounts if you purchase multiple types of insurance such as car and homeowners insurance. This practice is commonly called bundling. Contact your insurance company to see if you’re eligible for a bundling discount. 

You could qualify for a low mileage discount if you don’t drive 7,500 to 15,000 or fewer miles in a year. The availability and requirements of low mileage discounts vary by insurer. 

Your car insurance company may offer additional discounts including:

  • Safe driving discounts
  • Customer loyalty discounts
  • Military discounts
  • Defensive driving class discounts
  • Drivers education class discounts
  • Good student discounts

Comparing price quotes from different insurers is always a good idea before you buy car insurance.

What’s the difference between family legacy discounts and The GM Family Legacy Program?

Although they share similar names, family legacy discounts offered by car insurance companies are not the same as The GM Family Legacy Program from automaker General Motors (GM).

The GM Family Legacy Program provides eligible children of deceased GM employees a discount on the purchase or lease of new vehicles manufactured by GM. The discounts apply to Chevrolet, Buick, GMC, and Cadillac. 

If you’re the child of a GM employee who has passed away, you may qualify for the GM Family Legacy Program in one of several ways:

  • You are the child of a deceased GM retiree without a surviving spouse
  • You are the child of a deceased GM retire who declined surviving spouse benefits
  • You are the child of a deceased GM retiree’s spouse who was receiving health care or pension benefits from GM

How much is the GM legacy discount? The program allows participants to purchase or lease eligible vehicles at up to 20% off the MSRP. This is also the standard GM employee discount. 

Customers can combine The GM Family Legacy Program with other discount offers to save even more money. 

Customers who are eligible to participate in The GM Family Legacy Program should register at the GM Family First website

Current or former employees looking to take advantage of the GM employee discount need to obtain a GM family first authorization number from the GM Family First website. 

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Family Legacy Discount Programs on Car Insurance: The Bottom Line

Taking advantage of your insurance company’s family legacy discount is just one of many ways you can save on car insurance. These programs provide discounts to policyholders whose family members also used the same insurer. 

If you qualify for a legacy program discount, you could save an average of 7.5% off your annual car insurance premium. You may also see significant savings by comparing car insurance quotes.

Enter your ZIP code below to see free instant car insurance quotes in your area.