Shelter vs. Donegal Mutual Insurance

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

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Shelter vs. Donegal Mutual: What You Need to Know

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

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 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 Shelter Overview and Donegal Mutual Insurance Co Overview.

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

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Shelter vs. Donegal Mutual Insurance Co: Rates by Number of Vehicle

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Shelter vs. Donegal Mutual Insurance Co: Rates by Homeownership

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What is Shelter and Donegal Mutual Insurance Rating?

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

ComparisonShelterDonegal Mutual
Year Founded19461889
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09
NAIC Complaint Ratio0.36 (2013)
S&P RatingA

Shelter or Donegal Mutual: Insurance Products Offered

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

InsuranceShelterDonegal Mutual
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Shelter 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, Shelter also offers a few discounts that Donegal Mutual doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ShelterDonegal Mutual
Accident Prevention Course DiscountCarpool Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsDriver’s Education Course Discount
Companion Life DiscountExtra Edge Discounts for Superior Drivers
Companion Policy DiscountFirst Accident Forgiveness Program
Driver Training Course DiscountGood Student Discount
Good Student DiscountHigh Chargeable Accident Thresholds Discount
Military DiscountHome and Auto Bundle Discount
Multi-car DiscountMulti-policy Discount
Multi-coverage Discount - Nevada ResidentsSafety Features Discount
Passive Restraint Discount
Pay in Full Discount
Safe Driver Discount
Window Identification System Discount – Louisiana Residents

Pros & Cons of Shelter & Donegal Mutual

Pros

Shelter
  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Shelter or Donegal Mutual Mobile Apps Options

The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
Donegal Mutual Mobile App
Donegal Mutual does not currently have a mobile app.

Shelter & Donegal Mutual Contact Info

Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
Phone1-800-743-5837
Websitehttps://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://vimeo.com/user48805731
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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