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 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 $265.30 per month while ALFA comes in at around $186.50 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. For ALFA, the cheapest state average is Virginia at $119.43 per month and the most expensive is Georgia at $214.16 per month.

Donegal Mutual Insurance Co

Average Rate

$265.30
ALFA

Average Rate

$186.50
National

Average Rate

$117.77
State Donegal Mutual Insurance Co ALFA
Alabama- $174.63
Arkansas- $197.85
Delaware $227.79 -
Georgia- $214.16
Iowa $165.58 -
Maryland $324.70 -
Michigan $351.58 -
Mississippi- $174.94
Pennsylvania $168.68 -
Virginia $177.58 $119.43

Donegal Mutual Insurance Co vs. ALFA: 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 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 $254.92 $171.08
2 Vehicles $302.07 $245.06

Donegal Mutual Insurance Co vs. ALFA: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Donegal Mutual Insurance Co charges $254.42 per month and ALFA charges $176.44 per month for customers who own their home.

Own/Rent Donegal Mutual Insurance Co ALFA
Own $254.42 $176.44
Rent $272.62 $192.28

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.

ComparisonDonegal MutualAlfa
Year Founded18891946
Market Share0.12%
A.M. Best RatingAA
BBB RatingA+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09
NAIC Complaint Ratio0.82
S&P RatingA

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.

InsuranceDonegal MutualAlfa
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 MutualAlfa
Carpool DiscountAirbags Discount
Driver’s Education Course DiscountBurglar Alarm Discount
Extra Edge Discounts for Superior DriversClaims-free Discount
First Accident Forgiveness ProgramDefensive Driver Discount
Good Student DiscountDriver Education
High Chargeable Accident Thresholds DiscountDriver Training Discounts
Home and Auto Bundle DiscountGood Student Discount
Multi-policy DiscountHome and Auto Bundle Discount
Safety Features DiscountHomeowner 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     4.71.9 user reviews
Android     3.7251 user reviews

Donegal Mutual & Alfa Contact Info

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/
Alfa Contact Info
AddressP.O. Box 11000, Montgomery, AL 36191-0001
Phone1-800-964-2532
Websitehttps://www.alfainsurance.com/
Facebookhttps://www.facebook.com/AlfaInsurance
Youtubehttps://www.youtube.com/user/AlfaInsurance
Twitterhttps://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.

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