Cincinnati vs. Donegal Mutual Insurance

Which insurance carrier is right for you? Compare price, plans, and quotes from Cincinnati and Donegal Mutual.

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Cincinnati vs. Donegal Mutual: What You Need to Know

With an A+ rating from the BBB and A.M Best, Cincinnati Insurance Company has been serving its customers since 1950. The Cincinnati Insurance company was founded in 1950 by four independent agents, two of whom were brothers, John Jack Schiff and Robert Cleveland Schiff. The company operates in 13 states through nearly 1,000 selected independent agencies.

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's 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 Cincinnati Insurance Overview and Donegal Mutual Insurance Co Overview.

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

Below is a list of the average rates that drivers typically pay with Cincinnati Insurance and Donegal Mutual Insurance Co. On average, Cincinnati Insurance charges approximately $169.61 per month while Donegal Mutual Insurance Co comes in at around $293.59 per month. For Cincinnati Insurance, the cheapest state average is Indiana at $101.65 per month and the most expensive is Alabama at $350.40 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $165.87 per month and the most expensive is Michigan at $382.61 per month.

Cincinnati Insurance

Average Rate

$169.61
Donegal Mutual Insurance Co

Average Rate

$293.59
National

Average Rate

$119.70
State Cincinnati Insurance Donegal Mutual Insurance Co
Alabama $350.40 -
Delaware- $226.56
Illinois $183.82 -
Indiana $101.65 -
Iowa- $165.87
Kentucky $149.56 -
Maryland- $352.57
Michigan- $382.61
Ohio $132.46 -
Pennsylvania- $185.01
Tennessee $158.35 -
Virginia $154.83 $180.87

Cincinnati Insurance 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 Cincinnati Insurance and Donegal Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Cincinnati Insurance Donegal Mutual Insurance Co
1 Vehicle $158.14 $283.60
2 Vehicles $212.50 $331.13
3 Vehicles $374.88 $549.62

Cincinnati Insurance 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 Cincinnati Insurance charges $165.65 per month and Donegal Mutual Insurance Co charges $279.64 per month for customers who own their home.

Own/Rent Cincinnati Insurance Donegal Mutual Insurance Co
Own $165.65 $279.64
Rent $171.52 $300.82

What is Cincinnati and Donegal Mutual Insurance Rating?

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

ComparisonCincinnatiDonegal Mutual
Year Founded19501889
A.M. Best RatingA+A
BBB RatingA+A+
Financial StrengthExcellentExcellent
Moody's RatingA1
NAIC Complaint Index0.224.09
S&P RatingA+A

Cincinnati or Donegal Mutual: Insurance Products Offered

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

InsuranceCincinnatiDonegal Mutual
Auto Insurance
Commercial Insurance
Farm Insurance
Home Insurance
Life Insurance
RV Insurance
Umbrella Insurance

Cincinnati or Donegal Mutual: Ways To Save

Donegal Mutual offers a wide range of discounts to its policyholders, including Driver’s Education Course, Extra Edges for Superior Drivers, and First Accident Forgiveness Program discounts. Cincinnati also offers a few discounts that Donegal Mutual doesn’t including Safety Equipment (Auto, Home, Business), New Home, and Multi-car Policy discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Cincinnati insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CincinnatiDonegal Mutual
Good Claim History DiscountCarpool Discount
Good Student DiscountDriver’s Education Course Discount
Healthy Living Discount (Life Insurance)Extra Edge Discounts for Superior Drivers
High Deductible DiscountFirst Accident Forgiveness Program
Multi-car Policy DiscountGood Student Discount
Multi-policy DiscountHigh Chargeable Accident Thresholds Discount
New Home DiscountHome and Auto Bundle Discount
Safety Equipment Discount (Auto, Home, Business)Multi-policy Discount
Safety Features DiscountSafety Features Discount

Pros & Cons of Cincinnati & Donegal Mutual

Pros

Cincinnati
  • Cincinnati Insurance Company is dedicated to superior customer service.
  • Cincinnati has the highest ratings for financial strength.
  • For antique or collector car owners whose cars are less than 25 years old, Cincinnati Insurance is the best of very few options out there.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Cincinnati or Donegal Mutual Mobile Apps Options

The Cincinnati Insurance Mobile app is available for android and iPhones and iPads. This insurance tool is where you can manage payments, view auto policy information, download ID cards, submit glass claims, request roadside services and more.

Donegal Mutual does not currently have a mobile app.

Cincinnati Mobile App
iOS     4.65 user reviews
Android     3.111 user reviews
Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.

Cincinnati & Donegal Mutual Contact Info

Cincinnati Contact Info
Address600 S. Gilmore Road, Fairfield, OH 45014-5141
Phone(888) 242-8811
Websitehttps://www.cinfin.com/
Facebookhttps://www.facebook.com/CincinnatiInsurance/
Youtubehttps://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg
Linkedinhttps://www.linkedin.com/company/the-cincinnati-insurance-companies/
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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