Hastings Mutual vs. Donegal Mutual Insurance

Which insurance company is right for you? Compare cost, products, and quotes from Hastings Mutual and Donegal Mutual.

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Hastings Mutual vs. Donegal Mutual: What You Need to Know

Hastings Mutual Company was founded in 1885 as Michigan Mutual Tornado, Cyclone and Windstorm Insurance Company to help protect local residents against the tornados that had destroyed small communities of Hastings and other parts of Michigan. The company continued to grow over the years and expanded its business.

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. 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 Mid western 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 Hastings Mutual Insurance Co Overview and Donegal Mutual Insurance Co Overview.

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

Below is a list of the average rates that drivers typically pay with Hastings Mutual Insurance Co and Donegal Mutual Insurance Co. On average, Hastings Mutual Insurance Co charges approximately $154.00 per month while Donegal Mutual Insurance Co comes in at around $289.01 per month. For Hastings Mutual Insurance Co, the cheapest state average is Ohio at $106.69 per month and the most expensive is Illinois at $208.14 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $165.49 per month and the most expensive is Michigan at $374.24 per month.

Hastings Mutual Insurance Co

Average Rate

$154.00
Donegal Mutual Insurance Co

Average Rate

$289.01
National

Average Rate

$120.03
State Hastings Mutual Insurance Co Donegal Mutual Insurance Co
Delaware- $217.79
Illinois $208.14 -
Indiana $128.93 -
Iowa $107.20 $165.49
Maryland- $347.33
Michigan $170.40 $374.24
Ohio $106.69 -
Pennsylvania- $184.56
Virginia- $180.62
Wisconsin $128.52 -

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

Number of Vehicles Hastings Mutual Insurance Co Donegal Mutual Insurance Co
1 Vehicle $147.43 $279.14
2 Vehicles $180.32 $329.30
3 Vehicles $250.02 $549.62

Hastings Mutual Insurance Co 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 Hastings Mutual Insurance Co charges $137.21 per month and Donegal Mutual Insurance Co charges $276.90 per month for customers who own their home.

Own/Rent Hastings Mutual Insurance Co Donegal Mutual Insurance Co
Own $137.21 $276.90
Rent $162.51 $294.78

What is Hastings Mutual and Donegal Mutual Insurance Rating?

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

ComparisonHastings MutualDonegal Mutual
Year Founded18851889
Market Share0.2% (2018)
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbove Average
NAIC Complaint Index4.09
S&P RatingA

Hastings Mutual or Donegal Mutual: Insurance Products Offered

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

InsuranceHastings MutualDonegal Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Renters Insurance
RV Insurance

Hastings Mutual or Donegal Mutual: Ways To Save

Hastings Mutual offers a wide range of discounts to its policyholders, including Claim Free, Defensive Driving, and Good Student discounts. In contrast, Donegal Mutual also offers a few discounts that Hastings Mutual doesn’t, including Safety Features, Home and Auto Bundle, and High Chargeable Accident Thresholds discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Hastings Mutual insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Hastings MutualDonegal Mutual
Away at School DiscountCarpool Discount
Claim Free DiscountDriver’s Education Course Discount
Defensive Driving DiscountExtra Edge Discounts for Superior Drivers
Good Student DiscountFirst Accident Forgiveness Program
Multi-car DiscountGood Student Discount
Multi-policy DiscountHigh Chargeable Accident Thresholds Discount
Paid in Full DiscountHome and Auto Bundle Discount
Paperless Bills DiscountMulti-policy Discount
Safety Features Discount

Pros & Cons of Hastings Mutual & Donegal Mutual

Pros

Hastings Mutual
  • Hastings Mutual Company focuses on providing A+ customer service and promoting strong relationships with its customers.
  • Established history: the company has 130 years of service and has built a good reputation among its customers.
  • It has affordable rates.
  • Offers Multi-Policy discounts.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Hastings Mutual
  • Limited service: coverage is available in only 6 midwestern states across the US.
  • It doesn’t offer an online application, you need to call an agent for a quote.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Hastings Mutual or Donegal Mutual Mobile Apps Options


Grange Mobile App
Hastings Mutual does not currently have a mobile app.
Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.

Hastings Mutual & Donegal Mutual Contact Info

Hastings Mutual Contact Info
Address404 E. Woodlawn Ave. Hastings, MI 49058
Phone1-800-442-8277
Websitehttps://www.hastingsmutual.com/
Facebookhttps://www.facebook.com/HastingsMutual/
Linkedinhttps://www.linkedin.com/company/hastings-mutual-insurance-company/
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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