Donegal Mutual: Overview

Based in Marietta, PA, Donegal Mutual has been providing insurance coverage since 1889.

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About Donegal Mutual

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 Wyyomissing 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.

Donegal Mutual Facts & Ratings

Year Founded1889
Financial StrengthExcellent
A.M. BestA
BBB RatingA+
NAIC Complaint Index4.09
S&P RatingA

Donegal Mutual Mobile App Rating

1.3 on AppIe Store 17 user reviews

2.4 on Google Play 41 user reviews

Pros & Cons of Donegal Mutual

  • Heritage of financial strength
  • Leading provider of quality property and casualty insurance products to businesses and individuals.
  • Donegal does not insure people in Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota anymore.

Common Questions about Donegal Mutual

What are some benefits Donegal Mutual auto insurance provides?

Donegal Mutual offers multiple discounts, like a good student, high thresholds, accident forgiveness, and good driver discounts but you can save money if your vehicle has passive seat belt restraints, airbags, anti-theft devices and/or anti-lock brakes. If you carpool, take a driver’s safety class or insure multiple cars or both home and auto, you earn a discount (or discounts).

What does Donegal Mutual homeowners insurance cover?

Donegal Mutual homeowners insurance covers your home, garages and other buildings on your property. Your household and personal possessions (also called contents) are also covered. If your home becomes uninhabitable due to a covered peril, your living expenses will be covered. You are also covered for personal liability with Donegal Mutual homeowners insurance. This means that if someone gets hurt on your property, from a dog bite or a slip-and-fall, you are protected with homeowners insurance. Medical payments to those injured on your property are part of the coverage package too.

Does Donegal Mutual auto insurance cover other drivers?

Your auto insurance covers you if you give express permission to someone else to drive your car unless the person driving is listed as an “excluded driver” on your car insurance policy. The people you live with are usually included on your policy, unless they do not have a driver’s license or if you exclude them. For more on who is covered when driving your car, visit here.

What states does the Donegal Mutual insurance cover?

Donegal covers most states in the U.S., except Alabama, Maine, Nebraska, New Hampshire, North Carolina, South Carolina, and South Dakota.

What coverage options does Donegal Mutual commercial insurance have?

Donegal Mutual Insurance has expanded its commercial insurance products and is developing new products for the future as well. They offer business owners insurance, BOP insurance, commercial package policy, commercial automobile insurance, commercial liability umbrella insurance, commercial garage insurance, workers compensation insurance, employment practices liability, liquor liability insurance, contractor’s errors & omissions, commercial loss control services and more.

Does Donegal Mutual have renters insurance?

No, Donegal Mutual does not offer renters insurance. However, they do offer homeowners insurance.

How do consumers rate Donegal Mutual insurance?

Donegal’s NAIC complaint ratio is just over 4%, which is the percentage of complaints versus positive feedback.

Is Donegal Mutual commercial insurance good?

Yes, Donegal Mutual offers many commercial insurance products that may benefit your business. They also make it easy to customize the right plan based on the business type.

What discounts does the Donegal Mutual auto insurance offer?

Donegal Mutual offers good student discounts, high chargeable accident thresholds, first accident forgiveness, extra edge discounts for superior drivers, discounts for safety features, carpool discounts, driver education discounts, multi-vehicle discounts, and multi-policy and bundling discounts.

Is Donegal Mutual good home insurance?

Donegal Mutual offers a comprehensive home insurance policy that can be supplemented with endorsements and riders. With Donegal Mutual, you can extend limits on coverages. You can even save money on your homeowners insurance by installing safety and security devices.

Donegal Mutual Insurance Products

Automobile InsuranceHomeowners Insurance
Personal Excess Liability InsuranceDwelling Fire Insurance
Boatowners InsuranceCommercial Insurance
Business Owners Policy InsuranceeCommercial Package Insurance
Commercial Auto InsuranceCommercial Excess Liability
Workers’ Compensation InsuranceCommercial Garage Insurance
Employment Practices LiabilityLiquor Liability Insurance
Contractor’s Errors & OmissionsCommercial Loss Control Services
Commercial Group ProgramsCommercial Premium Audit Services
Farm InsuranceTitle Insurance

Donegal Mutual Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Towing and Labor

If your car becomes disabled, you’re covered.

Rental Reimbursement

If you need to rent a car while your car is in the shop for a covered loss, you are covered.

Discounts

Good Student DiscountHigh Chargeable Accident Thresholds Discount
First Accident Forgiveness ProgramExtra Edge Discounts for Superior Drivers
Safety Features DiscountCarpool Discount
Driver’s Education Course DiscountMulti-policy Discount
Home and Auto Bundle Discount

Donegal Mutual Insurance Co Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Donegal Mutual Insurance Co. On average, Donegal Mutual Insurance Co charges approximately $266.66 per month. The cheapest state average is Iowa at $115.58 per month followed by Pennsylvania at $139.64 per month. The most expensive state average is Michigan at $349.19 per month.

State Avg monthly rate
DE $146.98
IA $115.58
MD $273.96
State Avg monthly rate
MI $349.19
PA $139.64
VA $193.02

Donegal Mutual Insurance Co Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Donegal Mutual Insurance Co charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $257.46
2 Vehicles $305.31
3 Vehicles $363.23
5 Vehicles $497.14
4 Vehicles $506.04

Donegal Mutual Insurance Co Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Donegal Mutual Insurance Co charges $240.09 per month for drivers who own their home and $278.84 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $240.09
Rent $278.84

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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