Which insurance provider is right for you? Compare the pros & cons, plans, and quotes from AAA and Donegal Mutual.
On March 4, 1902, nine automobile clubs formed the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.
Donegal Insurance Group has had a long story that began in Marietta, Pennsylvania, where some farmers banded together to provide mutual protection for their property and farms. In 1889, Donegal and Conoy Mutual Fire Insurance Company issued their first insurance policy to a local farmer for dwelling coverage. The company offered very few insurance products and serviced a small area. In the 1920, the company grew and adopted the tagline “Adjustments Made and Losses Paid Before the Sun Sets.” It was during the 1930s that the first catastrophe reinsurance coverage was purchased. By 1949, the company changed its name to Donegal Mutual Insurance company and had written $600,000 worth of premiums. In the 1950s, Donegal Mutual began offering automobile insurance and began writing homeowners policies in 1952. In 1961, the company was writing over $3 million a year's worth of policies. By 2005, the Donegal Insurance Group had written $423 million in written premiums and had assets of $872 million. They were operating in 18 states and had close to 1,700 independent agents. In 2017, the company merged with the Mountain States Mutual Casualty Company to market commercial products as the Mountain States Insurance Group in Colorado, New Mexico, Texas, and Utah.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto Club Group Overview and Donegal Mutual Insurance Co Overview.
Below is a list of the average rates that drivers typically pay with Auto Club Group and Donegal Mutual Insurance Co. On average, Auto Club Group charges approximately $242.13 per month while Donegal Mutual Insurance Co comes in at around $241.58 per month. For Auto Club Group, the cheapest state average is Wisconsin at $172.30 per month and the most expensive is Nebraska at $315.52 per month. For Donegal Mutual Insurance Co, the cheapest state average is Virginia at $183.31 per month and the most expensive is Maryland at $371.87 per month.
|State||Auto Club Group||Donegal Mutual Insurance Co|
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto Club Group and Donegal Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Auto Club Group||Donegal Mutual Insurance Co|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto Club Group charges $255.33 per month and Donegal Mutual Insurance Co charges $268.98 per month for customers who own their home.
|Own/Rent||Auto Club Group||Donegal Mutual Insurance Co|
Both AAA and Donegal Mutual insurance has a long history in the automobile insurance industries which spans to more than 100+ years. Each has the financial strength and received an "A" ratings from Standard & Poor's (S&P) which is respected as a financial rating service and one of the top independent agencies in the insurance industries. Start here to get detailed information about the carriers to make a smart switch.
|NAIC Complaint Index||4.09%|
|NAIC Complaint Ratio||0.53|
Donegal Mutual Insurance offers Auto Insurance in most states in the U.S., except Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota. Whereas Auto Club sells in all 50 states including the Districts of Columbia, but the plans are only limited to AAA members.
|Boat & Watercraft||✔||✔|
|Business Owners Policy Insurance||✔||✔|
|Collector Car Insurance||✔|
|Commercial Auto Insurance||✔||✔|
|Commercial Excess Liability||✔||✔|
|Commercial Garage Insurance||✔|
|Commercial Group Programs||✔|
|Commercial Loss Control Services||✔|
|Commercial Package Insurance||✔||✔|
|Commercial Premium Audit Services||✔|
|Contractor’s Errors & Omissions||✔||✔|
|Dwelling Fire Insurance||✔||✔|
|Employment Practices Liability||✔||✔|
|Liquor Liability Insurance||✔|
|Mexico Auto Insurance||✔|
|Personal Excess Liability Insurance||✔||✔|
|Workers’ Compensation Insurance||✔||✔|
AAA and Donegal Mutual gives a variety of ways to save monthly on automobile insurance premiums. There are many standard ones, like Multiple-Policy discounts where you may bundle home and auto insurance for a cheaper rate. Also, it is important to know that some eligibility criteria, availability, or amount of these discounts may vary by state to state basis.
|Good Driver Discount||Carpool Discount|
|Good Student Discount||Driver’s Education Course Discount|
|Loyalty Discount||Extra Edge Discounts for Superior Drivers|
|Multi-policy Discount||First Accident Forgiveness Program|
|Multi-vehicle Discount||Good Student Discount|
|Verified Mileage Discount||High Chargeable Accident Thresholds Discount|
|Home and Auto Bundle Discount|
|Safety Features Discount|
The Auto Club App allows users to access Auto Club services, including membership, insurance, travel, and roadside assistance. It also shows members the Cheapest Gas and Branch Offices.
The Donegal Mobile App is available from both the App Store and Google Play. Donegal Insurance App allows users to quickly make a payment or view information for your policy, including ID cards, documents, coverages, and forms.
|AAA Mobile App|
|iOS||4.6||6.4K user reviews|
|Android||4.3||4,061 user reviews|
|Donegal Mutual Mobile App|
|iOS||1.3||17 user reviews|
|Android||2.4||41 user reviews|
|AAA Contact Info|
|Address||1225 Freeport Pkwy, Coppell, TX 75019, US|
|Donegal Mutual Contact Info|
|Address||1195 River Rd, Marietta, PA 17547|
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Answer a few questions and let Penny find the best rates in your area.