Country vs. Donegal Mutual Insurance

Which insurance carrier is right for you? Compare pros & cons, rates, and quotes from Country and Donegal Mutual.

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Country vs. Donegal Mutual: What You Need to Know

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto, and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker-dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance, and 529 College Savings Plans. In 1997, based on their principle of putting people first, the client service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “The Best Provider of Financial Security in America.” Country Life Insurance Company®, Country Mutual Insurance Company®, and its respective subsidiaries are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch, and crop insurance, and retirement planning, education funding, annuities, and planning services.

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 Wyomissing 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 Country Overview and Donegal Mutual Insurance Co Overview.

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

Below is a list of the average rates that drivers typically pay with Country and Donegal Mutual Insurance Co. On average, Country charges approximately $145.33 per month while Donegal Mutual Insurance Co comes in at around $265.30 per month. For Country, the cheapest state average is Illinois at $102.32 per month and the most expensive is Minnesota at $193.84 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $165.58 per month and the most expensive is Michigan at $351.58 per month.

Country

Average Rate

$145.33
Donegal Mutual Insurance Co

Average Rate

$265.30
National

Average Rate

$117.62
State Country Donegal Mutual Insurance Co
Alabama $110.86 -
Arizona $154.90 -
Delaware- $227.79
Georgia $165.20 -
Illinois $102.32 -
Iowa- $165.58
Maryland- $324.70
Michigan- $351.58
Minnesota $193.84 -
Nevada $180.47 -
Oregon $104.04 -
Pennsylvania- $168.68
Virginia- $177.58

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

Number of Vehicles Country Donegal Mutual Insurance Co
1 Vehicle $133.17 $254.92
2 Vehicles $188.29 $302.07

Country 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 Country charges $138.06 per month and Donegal Mutual Insurance Co charges $254.42 per month for customers who own their home.

Own/Rent Country Donegal Mutual Insurance Co
Own $138.06 $254.42
Rent $149.67 $272.62

What is Country and Donegal Mutual Insurance Rating?

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

ComparisonCountryDonegal Mutual
Year Founded19251889
Market Share0.49%
A.M. Best RatingA+ (Superior)A
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index0.224.09
S&P RatingA

Country or Donegal Mutual: Insurance Products Offered

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

InsuranceCountryDonegal Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance

Country 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. Country also offers a few discounts that Donegal Mutual doesn’t including Occupation, Multi-car, and Legacy discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Country insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CountryDonegal Mutual
Advance Quote DiscountCarpool Discount
Anti-theft DiscountDriver’s Education Course Discount
College Graduate DiscountExtra Edge Discounts for Superior Drivers
Defensive Driver DiscountFirst Accident Forgiveness Program
Discounts for TeensGood Student Discount
Engaged Couple DiscountHigh Chargeable Accident Thresholds Discount
Good Driver DiscountHome and Auto Bundle Discount
Good StudentMulti-policy Discount
Legacy DiscountSafety Features Discount
Multi-car Discount
Multi-policy Discount
Occupation Discount

Pros & Cons of Country & Donegal Mutual

Pros

Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Country
  • It doesn’t reward loyal customers.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Country or Donegal Mutual Mobile Apps Options

The Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews
Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.

Country & Donegal Mutual Contact Info

Country Contact Info
Address1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone1 (866) 268-6879
Websitehttps://www.countryfinancial.com
Facebookhttps://www.facebook.com/countryfinancial/
Youtubehttps://www.youtube.com/user/COUNTRYFinancial
Linkedinhttps://www.linkedin.com/company/country-financial-/
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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