Chubb vs. Donegal Mutual Insurance

Which insurance carrier is right for you? Compare cost, insights, and quotes from Chubb and Donegal Mutual.

Compare Car Insurance Rates in Your Area

Chubb vs. Donegal Mutual: What You Need to Know

In 1882, Thomas Caldecot Chubb and his son Percy, founded Chubb & Son in New York City selling with marine insurance. In 1901, Percy organized the Federal Insurance Company, writing marine insurance and expanded into fire two years later. The company acquired control of U.S Guarantee Company in 1921 and they opened their first branch outside the U.S in Montreal, Canada in 1928. In the year 1967, the company changed its name to Chubb Corporation and at the same time, they acquired the Pacific Indemnity Companies. In 1984 Chubb was listed on the New York Stock Exchange and their business expanded overseas by 1990. In 2012, after Superstorm Sandy, Chubb settled the highest number of claims in the company's history. Ace Limited and Chubb became one company and adopted the Chubb name by 2016. Today, Chubb is the world’s largest publicly traded P&C insurance company and the largest commercial insurer in the U.S, operating in 54 countries and provides property and casualty insurance to businesses and individuals, including personal products such as auto, home, travel, natural disasters, valuables, boats & yachts, cyber and life & health protection.

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 1920, the company had grown 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 195s, Donegal Mutual began offering automobile insurance and began writing homeowners policies in 1952. By 1961, the company was writing over $3 million a year worth of policies. In 1976, Donegal Mutual acquired Reading Mutual Insurance Company and Laurel State Mutual Insurance Company of Wyyomissing in Pennsylvania. That same year forward, the company began writing over $20 million annually. In 1980 premium writings reached approximately $30 million and expanded into another half dozen states. They also acquired the charter of Southern Mutual Insurance Company in Virginia, known today as Southern Insurance Company of Virginia. In 1986 Donegal Mutual formed a holding company, Donegal Group Inc and began offering common stock on the NASDAQ exchange as DGICA and DGICB. However, Donegal Mutual holds the majority-voting control of Donegal Group Inc. Atlantic States Insurance Company is a subsidiary of Donegal Group, offering workers’ compensation insurance as well as a preferred tier of personal lines automobile insurance and commercial products. In the 1990s Donegal Group acquired Delaware Atlantic Insurance Company and Pioneer Insurance Company, expanding the company’s presence in new regions. In 2001 and 2006 merged several subsidiaries. In 2002, Donegal Group acquired Le Mars Insurance Company, which gave Donegal Group access to four new Midwestern states. In 2004 Donegal Insurance Group acquired The Peninsula Insurance Company and Peninsula Indemnity Company. In 2004, they created an automated personal line quoting, underwriting and issuing system, which was released in 2005 and in 2006 they introduced WriteBiz, a commercial lines automated quoting, underwriting and issuing system. 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 2008, Donegal Insurance Group acquired Sheboygan Falls Insurance Company, a property and casualty insurer underwriting personal and commercial lines of insurance. In 2009, Donegal Mutual entered into an affiliation agreement with Southern Mutual Insurance Company, expanding into Georgia and South Carolina. In 2010, Donegal Group Inc. acquired Michigan Insurance Company, with more than $100 million in annual premiums. 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 Chubb Overview and Donegal Mutual Insurance Co Overview.

Chubb vs. Donegal Mutual Insurance Co: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Chubb and Donegal Mutual Insurance Co. On average, Chubb charges approximately $222.02 per month while Donegal Mutual Insurance Co comes in at around $289.01 per month. For Chubb, the cheapest state average is Washington at $119.11 per month and the most expensive is New York at $342.84 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $165.49 per month and the most expensive is Michigan at $374.24 per month.

Chubb

Average Rate

$222.02
Donegal Mutual Insurance Co

Average Rate

$289.01
National

Average Rate

$120.11
State Chubb Donegal Mutual Insurance Co
Delaware- $217.79
Iowa- $165.49
Maryland- $347.33
Michigan $178.59 $374.24
New York $342.84 -
Pennsylvania $220.23 $184.56
Tennessee $141.31 -
Texas $191.05 -
Virginia $145.77 $180.62
Washington $119.11 -

Chubb vs. Donegal Mutual Insurance Co: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Chubb and Donegal Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Chubb Donegal Mutual Insurance Co
1 Vehicle $213.81 $279.14
2 Vehicles $255.16 $329.30
3 Vehicles $340.60 $549.62
4 Vehicles $387.06 $

Chubb vs. Donegal Mutual Insurance Co: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Chubb charges $195.48 per month and Donegal Mutual Insurance Co charges $276.90 per month for customers who own their home.

Own/Rent Chubb Donegal Mutual Insurance Co
Own $195.48 $276.90
Rent $233.02 $294.78

What is Chubb and Donegal Mutual Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Chubb and Donegal Mutual ranked among the industry ratings.

Comparison Chubb Donegal Mutual
Year Founded 1882 1889
Market Share 2.95%
A.M. Best A
BBB Rating A+
Financial Strength Excellent Excellent
Fitch Rating AA
Moody’s Rating Aa3
Moodys
NAIC Complaint Index 0.46 4.09
S&P Rating AA A

Chubb or Donegal Mutual: Insurance Products Offered

What coverage is available through Chubb and Donegal Mutual? Both insurance companies offer Auto, Commercial, Home, and RV Insurance. Additional products from Donegal Mutual insurance also includes Farm Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Chubb and Donegal Mutual Insurance Co Insurance page.

Insurance Chubb Donegal Mutual
Auto Insurance
Commercial Insurance
Farm Insurance
Home Insurance
RV Insurance

Chubb or Donegal Mutual: Ways To Save

Chubb offers a wide range of discounts to its policyholders, including Airbag, Anti-lock Braking System, and Anti-theft discounts. Donegal Mutual also offers a few discounts that Chubb doesn’t including Carpool and Extra Edge Discounts for Superior Drivers. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Chubb insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Chubb Donegal Mutual
Accident-Free Discount Carpool Discount
Airbag Discount Driver’s Education Course Discount
Anti-lock Braking System Discount Extra Edge Discounts for Superior Drivers
Anti-theft Discount First Accident Forgiveness Program
College Graduate Discount Good Student Discount
Defensive Driving Discount High Chargeable Accident Thresholds Discount
Good Student Discount Home and Auto Bundle Discount
Multi-Vehicle Discount Multi-policy Discount
Safety Features Discount

Pros & Cons of Chubb & Donegal Mutual

Pros

Chubb
  • Industry-leading claims and risk engineering services.
  • Efficiency in paying claims and solid reputation.
  • Multi-policy discounts and credits available.
  • High level of expertise.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Chubb
  • Higher than the average rates, since it’s a premier carrier.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Chubb or Donegal Mutual Mobile Apps Options

The Chubb Mobile app is available for android and iPhones and iPads. The app features fingerprint and facial login to a dashboard where you can manage payments, download ID cards, submit claims, check the agent information and more.

Donegal Mutual does not currently have a mobile app.

Chubb Mobile App
iOS      3.3 14 user reviews
Android      2.3 6 user reviews

Chubb & Donegal Mutual Contact Info

Chubb Contact Info
Address 15 Mountainview Rd, Warren, NJ 07059
Phone (908) 903-2000
Website https://www.chubb.com/us-en/
Facebook https://www.facebook.com/ChubbInsurance/
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/chubb/
Donegal Mutual Contact Info
Address 1195 River Rd, Marietta, PA 17547
Phone 1-800-877-0600
Website https://www.donegalgroup.com/home
Facebook https://www.facebook.com/DonegalGroup/
Twitter https://twitter.com/Donegal_Ins
Youtube https://www.youtube.com/channel
Linkedin https://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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.