- About us
- Agent Login
- 855.214.2291
Donegal Mutual: Overview
Based in Marietta, PA, Donegal Mutual has been providing insurance coverage since 1889.
Compare Car Insurance Rates in Your Area
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 âAdjustments Made and Losses Paid Before the Sun Sets.â 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 workersâ 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 companyâs 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 Founded | 1889 |
| Financial Strength | Excellent |
| BBB Rating | A+ |
| NAIC Complaint Index | 4.09 |
| S&P Rating | A |
Donegal Mutual Mobile App Rating
| iOS | 1.8 stars (out of 5) | 22 user reviews |
| Android | 1.9 stars (out of 5) | 16 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 driverâs 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 âexcluded driverâ on your car insurance policy. The people you live with are usually included on your policy, unless they do not have a driverâs license or if you exclude them.
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, contractorâs 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?
Donegalâs 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 Insurance | Homeowners Insurance |
| Personal Excess Liability Insurance | Dwelling Fire Insurance |
| Boatowners Insurance | Commercial Insurance |
| Business Owners Policy Insurancee | Commercial Package Insurance |
| Commercial Auto Insurance | Commercial Excess Liability |
| Workersâ Compensation Insurance | Commercial Garage Insurance |
| Employment Practices Liability | Liquor Liability Insurance |
| Contractorâs Errors & Omissions | Commercial Loss Control Services |
| Commercial Group Programs | Commercial Premium Audit Services |
| Farm Insurance | Title 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, youâre 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 Discount | High Chargeable Accident Thresholds Discount |
| First Accident Forgiveness Program | Extra Edge Discounts for Superior Drivers |
| Safety Features Discount | Carpool Discount |
| Driverâs Education Course Discount | Multi-policy Discount |
| Home and Auto Bundle Discount |
Donegal Mutual Insurance Co Auto Insurance Rates by State
Donegal Mutual Insurance Co Auto Insurance Rates by Vehicle
| Number of Vehicles | Avg Monthly Rate |
|---|---|
| Loading... | |
Donegal Mutual Insurance Co Auto Insurance Rates by Homeownership
| Own/Rent | Avg Monthly Rate |
|---|---|
| Loading... | |
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.
How Does Donegal Mutual Compare to Other Car Insurance Companies?
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.
Compare Insurance Rates for Free.
Answer a few questions and let Penny find the best rates in your area.