Legacy Auto Insurance Review

Updated November, 2020
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Legacy Auto Insurance works with independent agencies to bring you the most competitive coverage. Get personalized premiums for liability, collision, or comprehensive auto insurance. Legacy Auto Insurance is also known for having superior financial stability, with over $1.2 billion in assets. Get reliable, affordable auto coverage, today!

Legacy Auto Insurance overview

Legacy Insurance is located in Phoenix, Arizona. The company has over $1.2 Billion in assets and provides personal & commercial coverage in 20 U.S. states.  They have an A+ (Superior) rating from A.M. Best and are also members of the Ward’s Top 50 Benchmark Group for Property/Casualty Companies. 

Legacy Insurance specializes in connecting you with the best auto insurance policies from independent agencies. This allows you to get the most affordable premiums and a wide range of coverage options. 

You’re able to get the best value for your money, whether you’re looking for minimum coverage or full coverage. Legacy Auto Insurance doesn’t provide nationwide, but does serve in 20 U.S states.  

Pros

  • Customized auto insurance premiums: Get inexpensive coverage and deals that match your budget from independent insurance agents. 
  • Online Portal: You’re easily able to pay online through their portal and manage your auto policy.
  • 24-hour service: Representatives are available around the clock, making it easy for you to apply and get coverage. 
  • Great Claims Service: Claims get processed fast and effectively. It takes no time to have your issue resolved. 
  • Superior Financial Stability: By having over $1.2 Billion in assets Legacy Insurance gives you peace of mind knowing your coverage is reliable. 

Cons

  • Limited coverage area: Legacy Auto Insurance doesn’t provide coverage nationwide. You need to live in one of their 20 listed states to get an auto insurance policy.  

Coverage options

  • Collision Coverage: Damage caused to your car during an at-fault accident are covered.  
  • Comprehensive Coverage: Covers damage done to your car that isn’t caused by another vehicle. It includes fire, explosions, earthquakes, floods. 
  • Uninsured motorists coverage: If you’re involved in an accident with a hit-and-run driver, your auto repairs are covered. 
  • Property damage liability: Damages caused to someone else’s property during a collision are paid for. 
  • Bodily injury liability: You’re covered for injury that you cause to someone else. This is an essential service if you drive daily. 

Legacy Auto Insurance discounts

Legacy Insurance doesn’t have an available list of discounts on their website. Contact a representative online, or call (888) 793-7888 to get more information on which options you’re eligible for. 

Consider Legacy Auto Insurance, if…

Legacy Auto Insurance is a fantastic option for you If you live in one of the 20 listed states. Their personalized premiums help you to get the best value for your money. 

Legacy Auto Coverage is an especially good option for you if you’re looking for a company that has extraordinary financial stability, with over $1.2 Billion in assets. This allows you peace of mind if you’re looking for reliable coverage for expensive assets. 

Consider alternatives to Legacy Auto Insurance, if…

You need to consider another insurance provider if you don’t live in one of Legacy Insurance’s covered states. Unfortunately, due to the limited service area, not everyone is eligible for coverage.

You also need to consider another provider if you’re seeking high-risk coverage and SR-22 insurance. In this case, you’re typically only able to get coverage with a non-standard insurance company. 

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