Donegal Mutual vs. Direct Auto Insurance

Which insurance company is right for you? Compare coverage, ratings, and quotes from Donegal Mutual and Direct Auto.

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Donegal Mutual vs. Direct Auto: 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 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

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 Direct Auto Overview.

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

Below is a list of the average rates that drivers typically pay with Donegal Mutual Insurance Co and Direct Auto. On average, Donegal Mutual Insurance Co charges approximately $265.30 per month while Direct Auto comes in at around $166.55 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 Direct Auto, the cheapest state average is Alabama at $112.68 per month and the most expensive is Florida at $208.32 per month.

Donegal Mutual Insurance Co

Average Rate

$265.30
Direct Auto

Average Rate

$166.55
National

Average Rate

$117.77
State Donegal Mutual Insurance Co Direct Auto
Alabama- $112.68
Delaware $227.79 -
Florida- $208.32
Georgia- $188.15
Iowa $165.58 -
Maryland $324.70 -
Michigan $351.58 -
Pennsylvania $168.68 -
Virginia $177.58 -

Donegal Mutual Insurance Co vs. Direct Auto: 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 Direct Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Donegal Mutual Insurance Co Direct Auto
1 Vehicle $254.92 $168.69
2 Vehicles $302.07 $

Donegal Mutual Insurance Co vs. Direct Auto: 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 Direct Auto charges $156.26 per month for customers who own their home.

Own/Rent Donegal Mutual Insurance Co Direct Auto
Own $254.42 $156.26
Rent $272.62 $170.13

What is Donegal Mutual and Direct Auto Insurance Rating?

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

ComparisonDonegal MutualDirect Auto
Year Founded18891991
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.096.06
S&P RatingA

Donegal Mutual or Direct Auto: Insurance Products Offered

What coverage is available through Donegal Mutual and Direct Auto? Both insurance companies offer Auto, Commercial, and RV insurance. Additional products from Donegal Mutual insurance also includes Farm and Home 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 Direct Auto Insurance page.

InsuranceDonegal MutualDirect Auto
Auto Insurance
Commercial Insurance
Farm Insurance
Health Insurance
Home Insurance
Motorcycle Insurance
RV Insurance

Donegal Mutual or Direct Auto: 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. Direct Auto also offers a few discounts that Donegal Mutual doesn’t include Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Direct Auto and Donegal Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Donegal MutualDirect Auto
Carpool DiscountAffinity Discount
Driver’s Education Course DiscountGood Student Discount
Extra Edge Discounts for Superior DriversHomeowner Discount
First Accident Forgiveness ProgramMileage Discount
Good Student DiscountMilitary Discount
High Chargeable Accident Thresholds DiscountMulti-Car Discount
Home and Auto Bundle DiscountMulti-Product Discount
Multi-policy DiscountPrior Coverage Discount
Safety Features DiscountRenewal Discount
Safe Driver Discount
Senior Citizen Discount
Welcome Back Discount

Pros & Cons of Donegal Mutual & Direct Auto

Pros

Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.
Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts

Cons

Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.
Direct Auto
  • Claims only by phone. There is no option to file a claim online.

Donegal Mutual or Direct Auto Mobile Apps Options


Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.
Direct Auto Mobile App
Direct Auto does not currently have a mobile app.

Donegal Mutual & Direct Auto 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/
Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://www.instagram.com/directautoins/

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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