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Donegal Mutual vs. Alfa Insurance
Which insurance provider is right for you? Compare products, ratings, and quotes from Donegal Mutual and Alfa.
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- Donegal Mutual Insurance Co vs ALFA
Donegal Mutual vs. Alfa: What You Need to Know
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 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.
In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverages to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Donegal Mutual Insurance Co Overview and ALFA Overview.
Donegal Mutual Insurance Co vs. ALFA: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Donegal Mutual Insurance Co and ALFA. On average, Donegal Mutual Insurance Co charges approximately $238.36 per month while ALFA comes in at around $170.82 per month. For Donegal Mutual Insurance Co, the cheapest state average is Pennsylvania at $192.69 per month and the most expensive is Michigan at $238.02 per month. For ALFA, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.
Average Rate
Average Rate
Average Rate
| State | Donegal Mutual Insurance Co | ALFA |
|---|---|---|
| Michigan | $238.02 | - |
| Pennsylvania | $192.69 | - |
Donegal Mutual Insurance Co vs. ALFA: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Donegal Mutual Insurance Co and ALFA typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Donegal Mutual Insurance Co | ALFA |
|---|---|---|
| 1 Vehicle | $230.34 | $ |
| 2 Vehicles | $353.54 | $ |
Donegal Mutual Insurance Co vs. ALFA: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Donegal Mutual Insurance Co charges $251.66 per month and ALFA charges $ per month for customers who own their home.
| Own/Rent | Donegal Mutual Insurance Co | ALFA |
|---|---|---|
| Own | $251.66 | $ |
| Rent | $234.17 | $ |
What is Donegal Mutual and Alfa Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Donegal Mutual and Alfa ranked among the industry ratings.
| Comparison | Donegal Mutual | Alfa |
|---|---|---|
| Year Founded | 1889 | 1946 |
| Market Share | 0.12% | |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 4.09 | |
| NAIC Complaint Ratio | 0.82 | |
| S&P Rating | A |
Donegal Mutual or Alfa: Insurance Products Offered
What coverage is available through Donegal Mutual and Alfa? Both insurance companies offer Auto, Commercial, Farm, Home, and RV insurance. Additional products from Alfa insurance also includes Health, Life, 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 Donegal Mutual Insurance Co and ALFA Insurance page.
| Insurance | Donegal Mutual | Alfa |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Donegal Mutual or Alfa: 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. Alfa also offers a few discounts that Donegal Mutual doesn’t including Youth Safety Test, Youth Defensive Driver Test, and Teacher discounts. Start taking advantage of discounts offered by insurance providers like Alfa and Donegal Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Donegal Mutual | Alfa |
|---|---|
| Carpool Discount | Airbags Discount |
| Driver’s Education Course Discount | Burglar Alarm Discount |
| Extra Edge Discounts for Superior Drivers | Claims-free Discount |
| First Accident Forgiveness Program | Defensive Driver Discount |
| Good Student Discount | Driver Education |
| High Chargeable Accident Thresholds Discount | Driver Training Discounts |
| Home and Auto Bundle Discount | Good Student Discount |
| Multi-policy Discount | Home and Auto Bundle Discount |
| Safety Features Discount | Homeowner Discount |
| Multi-car Discount | |
| Multi-policy Discount | |
| Smoke Alarm Discount | |
| Teacher Discount | |
| Youth Defensive Driver Test | |
| Youth Safety Test |
Pros & Cons of Donegal Mutual & Alfa
Pros
Donegal Mutual
- Heritage of financial strength
- Leading provider of quality property and casualty insurance products to businesses and individuals.
Alfa
- Very low customer complaints.
- Excellent financial strength means reliability in getting claims paid.
- It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Donegal Mutual
- Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.
Alfa
- Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.
Donegal Mutual or Alfa Mobile Apps Options
Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).
| Donegal Mutual Mobile App | ||
|---|---|---|
| Donegal Mutual does not currently have a mobile app. | ||
| Alfa Mobile App | ||
|---|---|---|
| iOS | 4.7 | 1.9 user reviews |
| Android | 3.7 | 251 user reviews |
Donegal Mutual & Alfa Contact Info
| Donegal Mutual Contact Info | |
|---|---|
| Address | 1195 River Rd, Marietta, PA 17547 |
| Phone | 1-800-877-0600 |
| Website | https://www.donegalgroup.com/home |
| https://www.facebook.com/DonegalGroup/ | |
| https://twitter.com/Donegal_Ins | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/donegal-mutual-insurance-inc/about/ | |
| Alfa Contact Info | |
|---|---|
| Address | P.O. Box 11000, Montgomery, AL 36191-0001 |
| Phone | 1-800-964-2532 |
| Website | https://www.alfainsurance.com/ |
| https://www.facebook.com/AlfaInsurance | |
| Youtube | https://www.youtube.com/user/AlfaInsurance |
| https://twitter.com/Alfa_Insurance | |
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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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