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

Quick Facts

• Looking at the national averages for auto insurance, Cumberland Mutual offers significantly less expensive rates than Donegal Mutual
• Cumberland Mutual has cheaper premiums for drivers who have less-than-stellar credit
• Donegal Mutual offers more discounts than Cumberland Mutual

Cumberland Mutual 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 big discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Cumberland Mutual or Donegal Mutual for your next policy, but which one will offer you more affordable prices?

As you can see, Donegal Mutual is quite a bit more expensive than Cumberland Mutual, with premiums averaging $290 per month compared to just $193 with Cumberland Mutual when looking at the national average rates for car insurance.

However, that doesn't mean Cumberland Mutual will necessarily be cheaper than Donegal Mutual for every driver. Insurance companies use tons of complex algorithms to calculate rates, so depending on how good your credit score is or how clean your driving record is (among multiple other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Cumberland Mutual or Donegal Mutual is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Cumberland Mutual or Donegal Mutual: Average Car Insurance Rates by State

Cumberland Mutual and Donegal Mutual only compete against each other in two states, with Cumberland Mutual offering less expensive prices to the average driver in all of them. Maryland has the most noticable difference, where Cumberland Mutual rates are over 70% more affordable than auto insurance prices at Donegal Mutual.

That being said, there are plenty of other factors that go into your car insurance bill than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's because 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 premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cumberland Mutual for their auto insurance pay nearly $200 less than those who use Donegal Mutual.

But both carriers will decrease prices once you turn 25. For example, average rates for Cumberland Mutual policyholders drop more than 55% and Donegal Mutual's premiums reduce over 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever find.

But who has the best prices for retired drivers between Cumberland Mutual and Donegal Mutual? Cumberland Mutual gets the edge here, with average premiums coming in at about $121 monthly compared to Donegal Mutual's $212.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper auto insurance rates than single drivers. This usually boils down to married drivers having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Cumberland Mutual is the clear winner for single policyholders, with prices around $116 a month less expensive than Donegal Mutual, on average. The advantage for married couples with Cumberland Mutual is also obvious, where drivers save almost 35% per month.

Cumberland Mutual vs. Donegal Mutual: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men typically pay more for auto insurance than women.

On average, men see premiums about 5% a month higher with Cumberland Mutual, and around 6% with Donegal Mutual.

When it comes to the lowest rates for each gender, Cumberland Mutual comes out on top for both men and women, with average premiums 34% less for men and 33% cheaper for women.

Cumberland Mutual 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. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Cumberland Mutual normally offers significantly more affordable prices of $106 compared to Donegal Mutual's $170. When it comes to full coverage policies with similar limits, Cumberland Mutual again has the edge, with policies about $150 per month cheaper than Donegal Mutual, on average.

Is Cumberland Mutual 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.

Accidents and tickets will most likely raise your premiums, but is Cumberland Mutual or Donegal Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Cumberland Mutual policyholders can expect their prices to go up an average of $18 a month if they get a ticket, while Donegal Mutual usually raises rates around $47 per month, on average.

That being said, Cumberland Mutual is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are 14% and 23% more affordable, respectively, compared to Donegal Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in a collision can expect to see their prices increase by just under 10%, while those who have insurance through Donegal Mutual will see about a 20% increase.

Overall, the less expensive rates come from Cumberland Mutual, with monthly prices averaging $183 compared to Donegal Mutual Insurance Company's $245.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Donegal Mutual drivers usually see a 58% increase in their insurance premiums after a DUI charge, while Cumberland Mutual will generally climb rates by around 27%.

If you have a DUI on your record and are looking for more affordable prices, Cumberland Mutual tends to be the much cheaper option with average premiums of $233 a month compared to $472 from Donegal Mutual.

How does Credit Score Impact Cumberland Mutual and Donegal Mutual Rates?

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for lots of policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Donegal Mutual and Cumberland Mutual, which company has the best prices 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 Cumberland Mutual or Donegal Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

Cumberland Mutual tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Donegal Mutual's average premiums for drivers with 6,000 annual miles come in $80 more expensive than Cumberland Mutual. Those who drive 12,000 miles yearly can expect to pay over $100 more with Donegal Mutual over Cumberland Mutual.

Cumberland Mutual 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 auto insurance, but the type of area you live in can have a large impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

Cumberland Mutual tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest premiums from both carriers, but Cumberland Mutual comes out on top with average rates about $116 per month. Cumberland Mutual also has less expensive average premiums for drivers in urban and suburban ZIP codes -- a $115 and $108 a month respective difference when compared to Donegal Mutual policyholders in similar areas.

Cumberland Mutual 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.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

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

Looking at the total number of discounts, Donegal Mutual comes out ahead with 20 discounts to Cumberland Mutual's 15.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, discounts for being a good driver, and new business discounts. Donegal Mutual also offers advance quote discounts, family discounts, group discounts, and more that Cumberland Mutual does not.

On the flip side, Cumberland Mutual has a couple unique discounts of its own -- distant student discounts, employee discounts, new vehicle discounts, and more.

Final Thoughts: Is Cumberland Mutual or Donegal Mutual Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Cumberland Mutual or Donegal Mutual the best company for you and your specific profile and needs?

Cumberland Mutual might be best for you if....

• Your driving record contains an at-fault accident.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles every year.

Donegal Mutual might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Cumberland Mutual and Donegal Mutual and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several carriers, not just Cumberland Mutual and Donegal Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Cumberland Mutual vs. Donegal Mutual FAQs

Is Cumberland Mutual or Donegal Mutual cheaper?

Looking just at the national average prices, Cumberland Mutual is the cheaper of the two carriers, offering average rates of $193 per month compared to $290 for Donegal Mutual. However, Cumberland Mutual won't necessarily be the lowest carrier for everyone, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cumberland Mutual or Donegal Mutual?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

Why do Cumberland Mutual and Donegal Mutual offer me different rates?

Auto insurance companies take a look at a lot of different variables when calculating the rates they charge drivers. Things such as gender, your driving record, where you park your vehicle, age, and sometimes even things like your credit score can all be used. Both Cumberland Mutual and Donegal Mutual use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of 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 auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Cumberland Mutual 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.