Alfa Alliance vs. Donegal Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Alfa Alliance offers significantly cheaper rates than Donegal Mutual
• Alfa Alliance offers less expensive average prices for residents of rural areas
• Donegal Mutual offers more discounts than Alfa Alliance Insurance

Alfa Alliance vs. Donegal Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Alfa Alliance or Donegal Mutual, but which one will save you the most?

Looking at nationwide averages, Alfa Alliance has average rates that are about 35% per month more affordable than those from Donegal Mutual.

However, that doesn't necessarily mean Alfa Alliance will be the less expensive option for every driver. Car insurance companies use a variety of complex algorithms to calculate premiums, so depending on how clean your driving record is or where you live (among quite a few other factors), you could see wildly different rates from the ones above.

Wanting to know if Alfa Alliance or Donegal Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Alfa Alliance or Donegal Mutual: Average Car Insurance Rates by State

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But there's more to calculating auto insurance premiums than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $400 less a month by choosing Alfa Alliance over Donegal Mutual.

But with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. For example, average premiums for Alfa Alliance policyholders reduce almost 15% and Donegal Mutual's rates drop more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase premiums.

When looking at Alfa Alliance and Donegal Mutual specifically, which carrier is best for retired drivers? Alfa Alliance gets the edge, with prices for drivers 65 and older $57 more affordable than the national average for Donegal Mutual.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance premiums than those who are single. That's generally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Alfa Alliance is the clear winner for single drivers, with rates around $135 per month more affordable than Donegal Mutual, on average. The advantage for married policyholders with Alfa Alliance is also obvious, where drivers save nearly 20% a month.

Alfa Alliance vs. Donegal Mutual: Average Rates by Gender

You may not know, but men normally pay more for car insurance than women do. This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim.

Normally, women see premiums about $1 per month cheaper with Alfa Alliance, and almost $20 cheaper with Donegal Mutual when compared to their male counterparts.

Looking at the data for each company specifically, Alfa Alliance comes out as the cheapest option for both genders. On average, male drivers save about $104 a month and women save around $87 with Alfa Alliance compared to the average Donegal Mutual policyholder.

Alfa Alliance or Donegal Mutual: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability insurance, Alfa Alliance generally offers significantly less expensive rates of $103 compared to Donegal Mutual's $170. When it comes to full coverage policies with similar limits, Alfa Alliance again has the edge, with policies about $100 per month more affordable than Donegal Mutual, on average.

Is Alfa Alliance or Donegal Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault collisions lead to higher prices, but which carrier -- Alfa Alliance or Donegal Mutual -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their prices to go up an average of $23 a month if they get a ticket, while Donegal Mutual typically raises rates around $47 per month, on average.

Even so, Alfa Alliance tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 46% less expensive for drivers with clean records and 47% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Alfa Alliance can expect to see about an $55 -- or around 34% -- increase in their auto insurance premiums. Drivers who use Donegal Mutual for their car insurance will see a monthly bill about $48 (or 20%) more expensive after reporting a collision to their auto insurance company.

Overall, Alfa Alliance offers the lowest rates for drivers with an at-fault accident on their records, with monthly prices averaging $162 compared to Donegal Mutual Insurance Company's $245.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, Donegal Mutual increases average premiums by just under $300 a month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Alfa Alliance tends to be the much more affordable option with average rates of $378 per month compared to $472 from Donegal Mutual.

How does Credit Score Impact Alfa Alliance and Donegal Mutual Rates?

Did you know that many insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, are two states that ban the practice entirely), but it does affect many drivers out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Donegal Mutual and Alfa Alliance, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alfa Alliance or Donegal Mutual Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a pretty significant difference in monthly rates for Donegal Mutual, with policyholders who drive 6,000 miles each year paying around $36 less every month compared to those who drive 12,000 miles yearly. Still, Alfa Alliance is the less expensive option for drivers in both categories.

Alfa Alliance vs. Donegal Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a large impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Alfa Alliance boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both companies, but Alfa Alliance comes out on top with average rates about $149 a month. Alfa Alliance also has more affordable average prices for drivers in urban and suburban ZIP codes -- a 55% and 3% per month respective difference when compared to Donegal Mutual policyholders in similar areas.

Alfa Alliance vs. Donegal Mutual Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've broken down all of the different discounts offered by both Alfa Alliance and Donegal Mutual so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Donegal Mutual blows Alfa Alliance away when it comes to the sheer amount of discounts available, offering 20 different discounts to Alfa Alliance's 10.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and multi-policy discounts. Donegal Mutual also offers ABS discounts, anti-theft discounts, defensive driver discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- discounts for being a homeowner, intra-agency transfer discounts, and mature driver discounts.

Final Thoughts: Is Alfa Alliance or Donegal Mutual Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, when it comes down to it, is Alfa Alliance or Donegal Mutual the best company for you, your vehicle, and your wallet?

Alfa Alliance might be best for you if....

• You want to save money on your car insurance after a collision.
• Your home is in a busy urban area.
• You drive fewer than 12,000 miles annually.

Donegal Mutual might be best for you if...

• You care about discounts (Donegal Mutual offers the most).

We hope this guide helps you get a better idea of the difference between Alfa Alliance and Donegal Mutual. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Alfa Alliance and Donegal Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Alfa Alliance vs. Donegal Mutual FAQs

Is Alfa Alliance or Donegal Mutual cheaper?

Looking just at the national average prices, Alfa Alliance is the less expensive of the two carriers, offering average rates of $194 a month compared to $290 for Donegal Mutual. That being said, Alfa Alliance won't necessarily be the cheapest carrier for everyone, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Donegal Mutual?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Alfa Alliance and Donegal Mutual offer me different rates?

Insurance companies take a look at quite a few different variables when determining the premiums they charge drivers. Things like gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Alfa Alliance and Donegal Mutual calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Alfa Alliance or Donegal Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Alfa Alliance or Donegal Mutual at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.