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

Quick Facts

• Based on national averages for car insurance, Omni offers significantly less expensive premiums than Donegal Mutual
• Donegal Mutual offers more discounts than Omni Insurance
• Omni offers more affordable rates for policyholders who have a clean record

Donegal Mutual vs. Omni: 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 huge discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Donegal Mutual or Omni, but between the two, which one will offer you more affordable prices?

Looking at nationwide averages, Omni has average rates that are about 40% per month cheaper than those from Donegal Mutual.

However, Omni may not be the lowest or best option for every single driver out there. Insurance companies use a variety of complex algorithms to calculate premiums, so depending on how old you are or how clean your driving record is (among a variety of other factors), you could see wildly different rates from the ones above.

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

Donegal Mutual or Omni: Average Car Insurance Rates by State

Donegal Mutual and Omni only compete against each other in one states, with Omni offering less expensive rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are over 40% more affordable than auto insurance premiums at Donegal Mutual.

There's a lot more that goes into your car insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $150 less a month by choosing Omni over Donegal Mutual.

That being said, with both carriers, you'll see your prices lower significantly by the time drivers turn 25. Omni offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Donegal Mutual's average rates reduce over 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Donegal Mutual and Omni? Omni gets the edge, with prices for drivers 65 and older nearly 40% cheaper than the national average for Donegal Mutual.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance premiums than married couples. That's typically because married policyholders tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Omni is the clear winner for single policyholders, with rates around $121 per month more affordable than Donegal Mutual, on average. The advantage is also clear for married drivers - Omni offers the most affordable average premiums.

Donegal Mutual vs. Omni: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll generally end up paying more for car insurance than women.

On average, men see prices about 6% a month higher with Donegal Mutual, and almost 10% with Omni.

Looking at overall affordability, Omni comes out as the lowest option for both genders. On average, women save about $107 per month and men save around $110 with Omni compared to the average Donegal Mutual policyholder.

Donegal Mutual or Omni: 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 isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Omni usually offers significantly cheaper rates of $104 compared to Donegal Mutual's $170. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies about $150 a month less expensive than Donegal Mutual, on average.

Is Donegal Mutual or Omni Better for Drivers with Spotty Records?

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

At-fault accidents and tickets will most likely raise your prices, but is Donegal Mutual or Omni more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Donegal Mutual policyholders can expect their premiums to go up an average of $47 per month if they get a ticket, while Omni generally raises rates around $7 a month, on average.

However, Omni has less expensive prices for drivers in both categories, offering rates that are 15% and 28% cheaper, respectively, compared to Donegal Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Donegal Mutual drivers who get in an accident can expect to see their premiums climb by just under $50, while those who have insurance through Omni will see about a $35 increase.

Overall, Omni offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $203 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 speeding ticket or even a collision. On average, Donegal Mutual will climb your rates around 58% after a DUI, while Omni's average prices increase by 6%.

If you have a DUI on your record and are looking for more affordable rates, Omni tends to be the much less expensive option with average premiums of $178 monthly compared to $472 from Donegal Mutual.

How does Credit Score Impact Donegal Mutual and Omni Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at Omni and Donegal Mutual, which carrier has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Donegal Mutual or Omni 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 premiums. Typically, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

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

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

Where you live can play a substantial role in how much you pay for auto insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Omni tends to offer the cheapest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Omni offers prices around $267 a month compared to Donegal Mutual's $445. People who live in suburban ZIP codes can expect to pay about $143 per month for Omni and $240 for Donegal Mutual. Lastly, those in rural areas tend to get the most affordable premiums from both companies, with average monthly rates coming in at $134 and $184 for Omni and Donegal Mutual respectively.

Donegal Mutual vs. Omni Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

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

Donegal Mutual blows Omni away when it comes to the sheer amount of discounts available, offering seven more discounts than Omni.

A couple of those are overlapping for things like discounts for being a defensive driver, group discounts, and passive restraint discounts. Donegal Mutual also offers ABS discounts, driver training discounts, family discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- agency transfer discounts, cellphone safety discounts, discounts for being a homeowner, and more.

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

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific driver profile?

Omni might be best for you if....

• You have a speeding ticket on your driving record.
• Your home is in a busy urban area.
• You have a short commute.

Donegal Mutual might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Donegal Mutual and Omni. We also hope we've given you the information you need to make the best decision about your 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 a handful of companies, not just Donegal Mutual and Omni. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Donegal Mutual vs. Omni FAQs

Is Donegal Mutual or Omni cheaper?

Looking just at the national average rates, Omni is the less expensive of the two companies, offering average rates of $181 a month compared to $290 for Donegal Mutual. But Omni won't necessarily be the lowest company for every policyholder, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Donegal Mutual or Omni?

Sadly, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Donegal Mutual and Omni offer me different rates?

Car insurance carriers take a look at many different factors when calculating the prices they charge policyholders. Things such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be used. Both Donegal Mutual and Omni calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Donegal Mutual or Omni 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.