Westfield vs. Donegal Mutual Insurance

Which insurance company is right for you? Compare discounts, pros & cons, and quotes from Westfield and Donegal Mutual.

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Westfield vs. Donegal Mutual: What You Need to Know

Headquartered in Westfield Center, Ohio, Westfield Insurance has been in business for nearly 170 years and is ranked amongst the 50 largest property and casualty insurers in the country. Over 900 independent insurance agencies represent Westfield insurance across the country. Westfield Insurance provides commercial insurance in 21 states and personal insurance in 10. They also offer surety services in all 50 states. In 2014, the company was named as a Top Workplace in Northeast Ohio. In 2015, it was named Top Workplace in central Ohio. Westfield Services provides service and training support for independent insurance agencies. Westfield Bank is a subsidiary of Westfield Insurance and offers services to businesses and individuals.

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 1920, the company had grown and adopted the tagline “Adjustments Made and Losses Paid Before the Sun Sets.” It was during the 1930s that the first catastrophe reinsurance coverage was purchased. By 1949, the company changed its name to Donegal Mutual Insurance company and had written $600,000 worth of premiums. In the 195s, Donegal Mutual began offering automobile insurance and began writing homeowners policies in 1952. By 1961, the company was writing over $3 million a year worth of policies. In 1976, Donegal Mutual acquired Reading Mutual Insurance Company and Laurel State Mutual Insurance Company of Wyomissing in Pennsylvania. That same year forward, the company began writing over $20 million annually. In 1980 premium writings reached approximately $30 million and expanded into another half dozen states. 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 Midwestern 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 Westfield Overview and Donegal Mutual Insurance Co Overview.

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

Below is a list of the average rates that drivers typically pay with Westfield and Donegal Mutual Insurance Co. On average, Westfield charges approximately $210.57 per month while Donegal Mutual Insurance Co comes in at around $289.38 per month. For Westfield, the cheapest state average is Indiana at $105.25 per month and the most expensive is Michigan at $340.13 per month. For Donegal Mutual Insurance Co, the cheapest state average is Iowa at $167.04 per month and the most expensive is Michigan at $375.49 per month.

Westfield

Average Rate

$210.57
Donegal Mutual Insurance Co

Average Rate

$289.38
National

Average Rate

$119.16
State Westfield Donegal Mutual Insurance Co
Delaware- $229.12
Indiana $105.25 -
Iowa- $167.04
Kentucky $143.75 -
Maryland- $347.14
Michigan $340.13 $375.49
Ohio $113.88 -
Pennsylvania- $178.05
Tennessee $145.59 -
Virginia- $182.78
West Virginia $146.42 -

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

Number of Vehicles Westfield Donegal Mutual Insurance Co
1 Vehicle $196.92 $278.31
2 Vehicles $260.57 $328.66
3 Vehicles $378.03 $550.09

Westfield 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 Westfield charges $214.31 per month and Donegal Mutual Insurance Co charges $276.31 per month for customers who own their home.

Own/Rent Westfield Donegal Mutual Insurance Co
Own $214.31 $276.31
Rent $208.48 $296.78

What is Westfield and Donegal Mutual Insurance Rating?

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

ComparisonWestfieldDonegal Mutual
Year Founded18641889
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index4.09
NAIC Complaint Ratio9.62
S&P RatingA

Westfield or Donegal Mutual: Insurance Products Offered

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

InsuranceWestfieldDonegal Mutual
Auto Insurance
Commercial Insurance
Farm Insurance
Home Insurance
Motorcycle Insurance
RV Insurance

Westfield 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. However, Westfield also offers a few discounts that Donegal Mutual doesn’t, including Prior Carrier, Next Generation, and Loyalty discounts. Start taking advantage of discounts offered by insurance providers like Donegal Mutual and Westfield insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

WestfieldDonegal Mutual
Account Relationship DiscountCarpool Discount
Companion Car DiscountDriver’s Education Course Discount
Company Car DiscountExtra Edge Discounts for Superior Drivers
Defensive Driver DiscountFirst Accident Forgiveness Program
Family DiscountGood Student Discount
Good Student DiscountHigh Chargeable Accident Thresholds Discount
Loss-free DiscountHome and Auto Bundle Discount
Loyalty DiscountMulti-policy Discount
Multi-Policy DiscountSafety Features Discount
Next Generation Discount
Prior Carrier Discount

Pros & Cons of Westfield & Donegal Mutual

Pros

Westfield
  • The company boasts more than $4.9 billion in consolidated assets
  • The company is one of the top 50 largest insurers in the country
  • Westfield Insurance has been in business for over 170 years.
Donegal Mutual
  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.

Cons

Westfield
  • A high number of complaints by consumers.
  • Car insurance is only available in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee.
Donegal Mutual
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Westfield or Donegal Mutual Mobile Apps Options


Westfield Mobile App
Westfield does not currently have a mobile app.
Donegal Mutual Mobile App
iOS     1.317 user reviews
Android     2.441 user reviews

Westfield & Donegal Mutual Contact Info

Westfield Contact Info
AddressOne Park Circle, Westfield Center, OH 44251
Phone1 (800) 243-0210
Websitehttps://www.westfieldinsurance.com/
Facebookhttps://www.facebook.com/Westfield1848/
Linkedinhttps://www.linkedin.com/company/westfield1848
Youtubehttps://www.youtube.com/watch?v=b2rW8nBValk
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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