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Donegal Mutual
Car Insurance

Smart Score

79

Industry Average: 75

Smart Score

79
/100

Industry Average: 75

Customer Service

8
/10

Industry Average: 7.7

Claims Process

9.1
/10

Industry Average: 8

Value for Price

6.9
/10

Industry Average: 7

Donegal Mutual Overview

The Donegal family of property and casualty insurance companies provides full lines of personal, farm and commercial insurance products across multiple regions of the United States. It is proud of its heritage, which spans more than 125 years in the insurance business. Donegal Mutual might be a good choice to protect your automobile as it offers a wide range of coverage options, attractive features and discounts, often providing qualified customers added insurance protection that is either not offered by other insurance companies or only available at an additional charge.

Lines of Business:

Donegal Mutual Ratings Breakdown

Smart Score

79

Donegal Mutual: 79
Industry Average: 75
Donegal Mutual: 79
Industry Average: 75

Why our Smart Score matters

Donegal Mutual’s Smart Score of 79 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Donegal Mutual’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 79, Donegal Mutual sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8

Donegal Mutual: 8
Industry Average: 7.7
Donegal Mutual: 8
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Donegal Mutual’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Donegal Mutual’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Donegal Mutual’s service score of 8, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.1

Donegal Mutual: 9.1
Industry Average: 8
Donegal Mutual: 9.1
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Donegal Mutual. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Donegal Mutual handles it.


Donegal Mutual’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Donegal Mutual.


What does this mean for you?

Evident from a claims score of 9.1, Donegal Mutual has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

6.9

Donegal Mutual: 6.9
Industry Average: 7
Donegal Mutual: 6.9
Industry Average: 7

Donegal Mutual’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Donegal Mutual comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Donegal Mutual’s value for price score of 6.9 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Donegal Mutual Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Donegal Mutual has than average. With an index of 1.4 Donegal Mutual is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Donegal Mutual has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Donegal Mutual has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 1.4 Donegal Mutual is worse than average.

Auto complaints by year (normalized against company size)

Customer Reviews

Donegal Mutual doesn't have reviews yet.

Donegal Mutual Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Donegal Mutual

Optional
Standard
Available OptionWhat it means
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Comprehensive Claim Forgiveness

Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.

Carrier Doesn't have availability in any state

Donegal Mutual Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Donegal Mutual has below in order to help determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionWhat it meansDiscount Data
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Varies

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Varies

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Varies

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