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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?
Below is a list of the average rates that drivers typically pay with Shelter and Donegal Mutual Insurance Co. On average, Shelter charges approximately $212.98 per month while Donegal Mutual Insurance Co comes in at around $243.97 per month. For Shelter, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For Donegal Mutual Insurance Co, the cheapest state average is Pennsylvania at $199.44 per month and the most expensive is Michigan at $243.91 per month.
Average Rate
Average Rate
Average Rate
| State | Shelter | Donegal Mutual Insurance Co |
|---|---|---|
| Michigan | - | $243.91 |
| Pennsylvania | - | $199.44 |
Shelter vs. Donegal Mutual Insurance Co: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Shelter and Donegal Mutual Insurance Co typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Shelter | Donegal Mutual Insurance Co |
|---|---|---|
| 1 Vehicle | $211.05 | $233.38 |
| 2 Vehicles | $ | $393.19 |
Shelter vs. Donegal Mutual Insurance Co: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $184.33 per month and Donegal Mutual Insurance Co charges $253.19 per month for customers who own their home.
| Own/Rent | Shelter | Donegal Mutual Insurance Co |
|---|---|---|
| Own | $184.33 | $253.19 |
| Rent | $232.67 | $241.09 |
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.
| Comparison | Shelter | Donegal Mutual |
|---|---|---|
| Year Founded | 1946 | 1889 |
| A.M. Best Rating | A | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 4.09 | |
| NAIC Complaint Ratio | 0.36 (2013) | |
| S&P Rating | A |
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.
| Insurance | Shelter | Donegal 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.
| Shelter | Donegal Mutual |
|---|---|
| Accident Prevention Course Discount | Carpool Discount |
| Anti-Theft Discount - Kentucky and Illinois Residents | Driver’s Education Course Discount |
| Companion Life Discount | Extra Edge Discounts for Superior Drivers |
| Companion Policy Discount | First Accident Forgiveness Program |
| Driver Training Course Discount | Good Student Discount |
| Good Student Discount | High Chargeable Accident Thresholds Discount |
| Military Discount | Home and Auto Bundle Discount |
| Multi-car Discount | Multi-policy Discount |
| Multi-coverage Discount - Nevada Residents | Safety 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 | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
| Donegal Mutual Mobile App | ||
|---|---|---|
| Donegal Mutual does not currently have a mobile app. | ||
Shelter & Donegal Mutual Contact Info
| Shelter Contact Info | |
|---|---|
| Address | 1817 West Broadway - Columbia, MO 65218 |
| Phone | 1-800-743-5837 |
| Website | https://www.shelterinsurance.com/ |
| https://www.facebook.com/ShelterInsurance/ | |
| https://twitter.com/Shelter_ins/ | |
| https://www.linkedin.com/company/shelter-insurance-companies/ | |
| Youtube | https://www.youtube.com/user/ShelterIns |
| https://www.instagram.com/shelter_ins/ | |
| https://www.pinterest.com/shelterins/ | |
| Vimeo | https://vimeo.com/user48805731 |
| Donegal Mutual Contact Info | |
|---|---|
| Address | 1195 River Rd, Marietta, PA 17547 |
| Phone | 1-800-877-0600 |
| Website | https://www.donegalgroup.com/home |
| https://www.facebook.com/DonegalGroup/ | |
| https://twitter.com/Donegal_Ins | |
| Youtube | https://www.youtube.com/channel |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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