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        <link:definition>0621 - Disclosure - Guaranty Fund and Other Insurance-Related Assessments (Details)</link:definition>
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        <link:definition>06192 - Disclosure - Condensed Financial Information of Parent Company (Details 2)</link:definition>
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        <link:definition>06191 - Disclosure - Condensed Financial Information of Parent Company (Details 1)</link:definition>
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        <link:definition>0619 - Disclosure - Condensed Financial Information of Parent Company (Details)</link:definition>
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        <link:definition>0519 - Disclosure - Condensed Financial Information of Parent Company (Tables)</link:definition>
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        <link:definition>0517 - Disclosure - Supplementary Cash Flow Information (Tables)</link:definition>
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        <link:definition>0617 - Disclosure - Supplementary Cash Flow Information (Details)</link:definition>
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        <link:definition>06151 - Disclosure - Statutory Net Income, Capital and Surplus and Dividend Restrictions (Details Textual)</link:definition>
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        <link:definition>0616 - Disclosure - Reconciliation of Statutory Filings to Amounts Reported Herein (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/ReconciliationOfStatutoryFilingsToAmountsReportedHereinTables" id="ReconciliationOfStatutoryFilingsToAmountsReportedHereinTables">
        <link:definition>0516 - Disclosure - Reconciliation of Statutory Filings to Amounts Reported Herein (Tables)</link:definition>
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        <link:definition>0615 - Disclosure - Statutory Net Income, Capital and Surplus and Dividend Restrictions (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/StatutoryNetIncomeCapitalAndSurplusAndDividendRestrictionsTables" id="StatutoryNetIncomeCapitalAndSurplusAndDividendRestrictionsTables">
        <link:definition>0515 - Disclosure - Statutory Net Income, Capital and Surplus and Dividend Restrictions (Tables)</link:definition>
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        <link:definition>06143 - Disclosure - Stock Compensation Plans (Details Textual)</link:definition>
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        <link:definition>06142 - Disclosure - Stock Compensation Plans (Details 2)</link:definition>
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        <link:definition>06141 - Disclosure - Stock Compensation Plans (Details 1)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/StockCompensationPlansDetails" id="StockCompensationPlansDetails">
        <link:definition>0614 - Disclosure - Stock Compensation Plans (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/StockCompensationPlansTables" id="StockCompensationPlansTables">
        <link:definition>0514 - Disclosure - Stock Compensation Plans (Tables)</link:definition>
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        <link:definition>0613 - Disclosure - Stockholders' Equity (Details)</link:definition>
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        <link:definition>06122 - Disclosure - Income Taxes (Details 2)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/IncomeTaxesDetails1" id="IncomeTaxesDetails1">
        <link:definition>06121 - Disclosure - Income Taxes (Details 1)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/IncomeTaxesTables" id="IncomeTaxesTables">
        <link:definition>0512 - Disclosure - Income Taxes (Tables)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/IncomeTaxesDetails" id="IncomeTaxesDetails">
        <link:definition>0612 - Disclosure - Income Taxes (Details)</link:definition>
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        <link:definition>06113 - Disclosure - Reinsurance (Details 3)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/ReinsuranceDetails2" id="ReinsuranceDetails2">
        <link:definition>06112 - Disclosure - Reinsurance (Details 2)</link:definition>
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        <link:definition>06111 - Disclosure - Reinsurance (Details 1)</link:definition>
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        <link:definition>0611 - Disclosure - Reinsurance (Details)</link:definition>
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        <link:definition>0511 - Disclosure - Reinsurance (Tables)</link:definition>
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        <link:definition>06091 - Disclosure - Liability for Losses and Loss Expenses (Details Textual)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/LiabilityForLossesAndLossExpensesDetails" id="LiabilityForLossesAndLossExpensesDetails">
        <link:definition>0609 - Disclosure - Liability for Losses and Loss Expenses (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/LiabilityForLossesAndLossExpensesTables" id="LiabilityForLossesAndLossExpensesTables">
        <link:definition>0509 - Disclosure - Liability for Losses and Loss Expenses (Tables)</link:definition>
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        <link:definition>0608 - Disclosure - Property and Equipment (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/PropertyAndEquipmentTables" id="PropertyAndEquipmentTables">
        <link:definition>0508 - Disclosure - Property and Equipment (Tables)</link:definition>
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        <link:definition>0607 - Disclosure - Deferred Policy Acquisition Costs (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/DeferredPolicyAcquisitionCostsTables" id="DeferredPolicyAcquisitionCostsTables">
        <link:definition>0507 - Disclosure - Deferred Policy Acquisition Costs (Tables)</link:definition>
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        <link:definition>06057 - Disclosure - Investments (Details 7)</link:definition>
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        <link:definition>06056 - Disclosure - Investments (Details 6)</link:definition>
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        <link:definition>06055 - Disclosure - Investments (Details 5)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/BusinessCombinationsDetailsTextual" id="BusinessCombinationsDetailsTextual">
        <link:definition>06042 - Disclosure - Business Combinations (Details Textual)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/BusinessCombinationsDetails1" id="BusinessCombinationsDetails1">
        <link:definition>06041 - Disclosure - Business Combinations (Details 1)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/BusinessCombinationsDetails" id="BusinessCombinationsDetails">
        <link:definition>0604 - Disclosure - Business Combinations (Details)</link:definition>
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        <link:definition>0504 - Disclosure - Business Combinations (Tables)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/TransactionsWithAffiliatesDetails" id="TransactionsWithAffiliatesDetails">
        <link:definition>0603 - Disclosure - Transactions With Affiliates (Details)</link:definition>
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      <link:roleType roleURI="http://donegalgroup.com/role/SummaryOfSignificantAccountingPoliciesPolicies" id="SummaryOfSignificantAccountingPoliciesPolicies">
        <link:definition>0401 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
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        <link:definition>0301 - Schedule - Supplementary Insurance Information</link:definition>
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  <element id="dgica_AmountOfReinsuranceRecoverable" name="AmountOfReinsuranceRecoverable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="dgica_DeferredTaxAssets" name="DeferredTaxAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" />
  <element id="dgica_DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTaxAmount" name="DeferredTaxAssetsTaxCreditCarryforwardsAlternativeMinimumTaxAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="dgica_IncreaseDecreaseInDeferredFederalIncomeTaxes" name="IncreaseDecreaseInDeferredFederalIncomeTaxes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="dgica_QuotaShareReinsuranceReducedPercentage" name="QuotaShareReinsuranceReducedPercentage" type="num:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
</schema>
