Electric vs. Donegal Mutual Insurance

Which insurance carrier is right for you? Compare coverage, cost, and quotes from Electric and Donegal Mutual.

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Electric vs. Donegal Mutual: What You Need to Know

The history of Electric Insurance Company began in 1927, when EMLICO, its former company was established to provide GE (General Electric Company) with Workers’ Compensation insurance in Massachusetts. The company was doing so well that it started providing coverage nationally for GE and also included general liability and commercial auto in its product portfolio. By 1966, Electric Insurance Company was formed to ensure GE employees, but after a while, it expanded its business to all consumers. During the 1990s the company becomes one of the first P&C carriers to offer consumers web-based insurance quotes. Today, Electric Insurance manages approximately $160 million in personal lines premiums for nearly 135,000 policyholders and has about $450 million in total written premium. Its services are offered in all 50 states directly via mobile applications and the web and through independent agencies. Its consumer base is 60% of GE employees and 40% general customers.

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 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 Electric Overview and Donegal Mutual Insurance Co Overview.

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

Below is a list of the average rates that drivers typically pay with Electric and Donegal Mutual Insurance Co. On average, Electric charges approximately $250.56 per month while Donegal Mutual Insurance Co comes in at around $278.05 per month. For Electric, the cheapest state average is Missouri at $194.85 per month and the most expensive is Virginia at $351.25 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $169.50 per month and the most expensive is Michigan at $353.21 per month.

Electric

Average Rate

$250.56
Donegal Mutual Insurance Co

Average Rate

$278.05
National

Average Rate

$120.83
State Electric Donegal Mutual Insurance Co
Connecticut $196.83 -
Delaware- $220.45
Iowa- $169.50
Kansas $239.25 -
Kentucky $230.05 -
Maine $209.17 -
Maryland- $346.14
Michigan- $353.21
Missouri $194.85 -
Pennsylvania- $185.52
Virginia $351.25 $183.84

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

Number of Vehicles Electric Donegal Mutual Insurance Co
1 Vehicle $235.01 $267.89
2 Vehicles $306.39 $317.65
3 Vehicles $435.34 $527.85

Electric 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 Electric charges $224.43 per month and Donegal Mutual Insurance Co charges $268.75 per month for customers who own their home.

Own/Rent Electric Donegal Mutual Insurance Co
Own $224.43 $268.75
Rent $261.50 $282.15

What is Electric and Donegal Mutual Insurance Rating?

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

ComparisonElectricDonegal Mutual
Year Founded19661889
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09
S&P RatingA

Electric or Donegal Mutual: Insurance Products Offered

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

InsuranceElectricDonegal Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Electric 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. In contrast, Electric also offers a few discounts that Donegal Mutual doesn’t including Student-Away-from-Home, Safe Driver, and Plan Ahead (Early Purchase) discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Electric insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ElectricDonegal Mutual
Accident-free DiscountCarpool Discount
Driver Training CreditDriver’s Education Course Discount
Electric and Hybrid Vehicles DiscountExtra Edge Discounts for Superior Drivers
Employer Group DiscountsFirst Accident Forgiveness Program
Family & Friends Referral DiscountGood Student Discount
Good Student DiscountHigh Chargeable Accident Thresholds Discount
Low Annual Mileage DiscountHome and Auto Bundle Discount
Married Status DiscountMulti-policy Discount
Mature Driver Accident Prevention Course DiscountSafety Features Discount
Multi-policy Discount
New Auto Insurance Customer Discount
New Vehicle Discount
Passive Restraints
Payment-in-full Discount
Plan Ahead (Early Purchase) Discount
Safe Driver Discount
Safety Features Discount
Student-Away-from-Home Discount

Pros & Cons of Electric & Donegal Mutual

Pros

Electric
  • Long list of discounts
  • Additional dedicated discount for General Electric employees
  • Provides the convenience of starting a claim online
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Electric
  • Confusing website information: the company lists the products, benefits and discounts offered in different web pages making it difficult to get a full scope on what is offered.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Electric or Donegal Mutual Mobile Apps Options

The Always On Mobile app is available for iOS and Android. This mobile app can help you to view your auto insurance information, report an auto claim, upload photos of the vehicle damage, access 24 hours / 7 days a week emergency roadside assistance services, schedule glass repair and much more.

Electric Mobile App
iOS     12 user reviews
Android     1.934 user reviews
Donegal Mutual Mobile App
iOS     1.317 user reviews
Android     2.441 user reviews

Electric & Donegal Mutual Contact Info

Electric Contact Info
Address75 Sam Fonzo Drive, Beverly, MA 01915
Phone1-800-342-5342
Websitehttps://eic.electricinsurance.com/
Facebookhttps://www.facebook.com/ElectricInsuranceCompany/
Twitterhttps://twitter.com/ElectricInsCo
Youtubehttps://www.youtube.com/channel/UC2YooRh-4qPtDgZvFHdFMIw
Linkedinhttps://www.linkedin.com/company/electricinsurancecompany/
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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