Donegal Insurance Group Review 2025

Trusted Choice's Donegal Insurance Group Score

3 Stars

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We award Donegal Insurance Group a final rating of three out of five stars. For starters, the carrier has been in the industry for well over a century now, which is both noteworthy and impressive. The company also received high ratings through AM Best and the Better Business Bureau (BBB), although it has not been accredited by the BBB. 

Donegal Insurance Group was founded in 1889. Its original mission was to provide protection for farmers in Pennsylvania, but it has since expanded to offer several types of coverage. Although coverage is currently offered in just 21 states, the company provides many insurance products for customers of all kinds, including individuals, professionals, and farmers.

Donegal Insurance Group provides 24/7 claims reporting for its customers, but loses a couple of points for having a website that feels dated compared to those of many other modern carriers. However, its prompt claims response helps to make up for that. 

Its diverse catalog of coverage options, ranging from farm insurance to umbrella insurance and beyond, is also appealing. Overall, we say that if you’re located in an area where coverage is offered, consider asking your independent insurance agent about reviewing Donegal Insurance Group as a trusted option to meet your insurance needs.

Donegal Insurance Group Pros and Cons:

Pros:	Cons:
Founded in 1889	Not a BBB-accredited business
Offers a wide variety of coverages	Coverage is only available in 21 states
Offers personal and business coverages	Some negative customer feedback
“A” (excellent) rating by A.M. Best
"A" (excellent) rating by the Better Business Bureau (BBB)
Strong financial stability
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you. Your independent insurance agent can help you find more information about the coverage offered by Donegal Insurance Group and help you decide if this insurance company is right for you.

Donegal Insurance Group Products by Type

Donegal Insurance Group offers a wide range of coverages for both individuals and businesses. While its original focus was farm insurance, the carrier has expanded its catalog to a multitude of products, including:

Donegal Insurance Group Auto Insurance

Donegal Insurance Group sells all the standard coverages you'd need in a car insurance policy, including comprehensive, liability, personal injury protection (PIP), medical payments, collision, and uninsured/underinsured motorist. The carrier also offers some optional coverage, including the following.

Coverage types, features, and benefits:

Towing and labor

This optional coverage can reimburse the policyholder for the cost of professional towing and other roadside assistance services in the event of a breakdown on the road.

Rental reimbursement

This optional coverage can pay for a rental vehicle in the event the policyholder's car must undergo repairs after a covered incident.

Donegal Insurance Group Car Insurance Average Prices

Donegal Insurance Group does not advertise its average car insurance prices. An independent insurance agent can help you obtain car insurance quotes from Donegal Insurance Group in your area. You can also use our car insurance calculator to get a better idea of how much you might pay for an auto policy.

Donegal Insurance Group Homeowners Insurance

Donegal Insurance Group also sells all the standard coverage you need in a homeowners insurance policy, including protection for your personal property or contents, liability, additional living expenses, medical payments, and detached structures like garages. The carrier also offers several bonus coverage enhancement options, including the following.

Coverage types, features, and benefits:

Extended limits

This optional coverage increases the policy limit of your home replacement coverage in case of a total loss.

Replacement cost

This optional coverage can pay to replace your personal property or contents with similar items without factoring in depreciation. 

Valuables

This optional coverage can increase your limits for valuables and other expensive personal property, like computers, furs, jewelry, silverware, and cameras.

Identity fraud expense

This optional coverage can reimburse the policyholder for expenses related to incidents of identity fraud.

Donegal Insurance Group Home Insurance Average Prices

Donegal Insurance Group does not advertise its average home insurance prices. An independent insurance agent can help you obtain home insurance quotes from Donegal Insurance Group in your area. You can also use our home insurance calculator to get a better idea of how much you might pay for a homeowners policy.

What Discounts Does Donegal Insurance Group Offer?

Donegal Insurance Group offers many of the common discounts offered on insurance policies, such as homeowners coverage. These discounts include:

Your independent insurance agent can help you find more information about the exact discounts offered by Donegal Insurance Group and other ways to save through the insurance company, helping you get the best value for your money.

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Donegal Insurance Group Customer Service

Donegal Insurance Group offers 24/7 claims reporting by phone or online. The carrier also provides the following customer service options:

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.

Donegal Insurance Group FAQs