AAA vs. Donegal Mutual Insurance

Which insurance provider is right for you? Compare the pros & cons, plans, and quotes from AAA and Donegal Mutual.

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AAA vs. Donegal Mutual: What You Need to Know

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.

Auto Club Group vs. Donegal Mutual Insurance Co: How much are the Average Rates?

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Auto Club Group vs. Donegal Mutual Insurance Co: Rates by Number of Vehicle

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Auto Club Group vs. Donegal Mutual Insurance Co: Rates by Homeownership

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What Are AAA and Donegal Mutual Insurance's Ratings?

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. 

ComparisonAAADonegal Mutual
Year Founded19021889
A.M Best RatingA-A
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09%
NAIC Complaint Ratio0.53
S&P RatingA+A

AAA or Donegal Mutual: Insurance Products Offered

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.

InsuranceAAADonegal Mutual
Auto Insurance
Boat & Watercraft
Boat-owners Insurance
Business Owners Policy Insurance
Collector Car Insurance
Commercial Auto Insurance
Commercial Excess Liability
Commercial Garage Insurance
Commercial Group Programs
Commercial Insurance
Commercial Loss Control Services
Commercial Package Insurance
Commercial Premium Audit Services
Contractor’s Errors & Omissions
Dwelling Fire Insurance
Employment Practices Liability
Farm Insurance
Home Insurance
Life Insurance
Liquor Liability Insurance
Mexico Auto Insurance
Personal Excess Liability Insurance
Personal Umbrella
Renters Insurance
Small Business
Title Insurance
Travel Insurance
Workers’ Compensation Insurance

AAA or Donegal Mutual: Ways to Save

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.

AAADonegal Mutual
Good Driver DiscountCarpool Discount
Good Student DiscountDriver’s Education Course Discount
Loyalty DiscountExtra Edge Discounts for Superior Drivers
Multi-policy DiscountFirst Accident Forgiveness Program
Multi-vehicle DiscountGood Student Discount
Verified Mileage DiscountHigh Chargeable Accident Thresholds Discount
Home and Auto Bundle Discount
Multi-policy Discount
Safety Features Discount

Pros & Cons of AAA & Donegal Mutual

Pros

AAA
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

AAA
  • The annual fee for membership.
  • Membership required to buy car insurance.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

AAA or Donegal Mutual Mobile Apps Options

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     4.66.4K user reviews
Android     4.34,061 user reviews
Donegal Mutual Mobile App
iOS     1.317 user reviews
Android     2.441 user reviews

AAA & Donegal Mutual Contact Info

AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
Phone1-877-387-8378
Websitehttps://www.aaa.com/
Facebookhttps://www.facebook.com/AAAFanPage/
Youtubehttps://www.youtube.com/user/AAA
Twitterhttps://twitter.com/AAA4lyfe
Linkedinhttps://www.linkedin.com/company/aaa/
Donegal Mutual Contact Info
Address1195 River Rd, Marietta, PA 17547
Phone1-800-877-0600
Websitehttps://www.donegalgroup.com/home
Facebookhttps://www.facebook.com/DonegalGroup/
Twitterhttps://twitter.com/Donegal_Ins
Youtubehttps://www.youtube.com/channel
Linkedinhttps://www.linkedin.com/company/donegal-mutual-insurance-inc/about/

Methodology
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.

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