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  <xs:import namespace="http://xbrl.sec.gov/sic/2025" schemaLocation="https://xbrl.sec.gov/sic/2025/sic-2025.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd-sub/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-sub-2025.xsd"/>
  <xs:element name="LiabilitiesForLossesAndLossExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_LiabilitiesForLossesAndLossExpensesAbstract"/>
  <xs:element name="SegmentExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SegmentExpensesAbstract"/>
  <xs:element name="SegmentExpensesAbstract0" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SegmentExpensesAbstract0"/>
  <xs:element name="ShortTermInvestmentsAtCost" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_ShortTermInvestmentsAtCost"/>
  <xs:element name="LiabilityForLossesAndLossExpensesTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_LiabilityForLossesAndLossExpensesTextBlock"/>
  <xs:element name="ScheduleOfAmortizedCostAndEstimatedFairValueOfFixedMaturitiesSecuritiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ScheduleOfAmortizedCostAndEstimatedFairValueOfFixedMaturitiesSecuritiesTableTextBlock"/>
  <xs:element name="ScheduleOfCostAndEstimatedFairValueOfEquitySecuritiesTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ScheduleOfCostAndEstimatedFairValueOfEquitySecuritiesTableTextBlock"/>
  <xs:element name="FederalHomeLoanBankOfStockPurchasedCollateralPledgedAndAssetsRelatedTableTextBlock" type="dtr:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_FederalHomeLoanBankOfStockPurchasedCollateralPledgedAndAssetsRelatedTableTextBlock"/>
  <xs:element name="GrossRealizedGainOnInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_GrossRealizedGainOnInvestments"/>
  <xs:element name="GrossRealizedLossOnInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_GrossRealizedLossOnInvestments"/>
  <xs:element name="GrossRealizedGainLossOnInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_GrossRealizedGainLossOnInvestments"/>
  <xs:element name="CreditImpairmentChargesOnInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_CreditImpairmentChargesOnInvestments"/>
  <xs:element name="SegmentReportingRevenues" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_SegmentReportingRevenues"/>
  <xs:element name="StatutoryAccountingPracticesUnderwritingIncomeLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_StatutoryAccountingPracticesUnderwritingIncomeLoss"/>
  <xs:element name="GAAPAdjustmentsRelatedToUnderwritingIncomeLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_GAAPAdjustmentsRelatedToUnderwritingIncomeLoss"/>
  <xs:element name="PledgedAssetsSeparatelyReportedAssetsPledgedAsCollateralAtPar" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_PledgedAssetsSeparatelyReportedAssetsPledgedAsCollateralAtPar"/>
  <xs:element name="StockOwnershipPercentageHeldByMajorShareholder" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_StockOwnershipPercentageHeldByMajorShareholder"/>
  <xs:element name="PercentageOfVotingPowerOwnedByMajorShareholder" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PercentageOfVotingPowerOwnedByMajorShareholder"/>
  <xs:element name="PercentageOfShareInResultsOfPooledBusinessSubsidiary" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PercentageOfShareInResultsOfPooledBusinessSubsidiary"/>
  <xs:element name="MinimumPercentageOfExcessClassACommonStockDividendOverClassBDividend" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_MinimumPercentageOfExcessClassACommonStockDividendOverClassBDividend"/>
  <xs:element name="PercentageOfShareInResultsOfPooledBusinessOwnedByThirdParty" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PercentageOfShareInResultsOfPooledBusinessOwnedByThirdParty"/>
  <xs:element name="MaximumAmountOfLossCoverageUnderReinsuranceAgreementOfPropertyCatastrophe" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_MaximumAmountOfLossCoverageUnderReinsuranceAgreementOfPropertyCatastrophe"/>
  <xs:element name="CatastropheReinsuranceAgreementContractsRetentionAmount" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_CatastropheReinsuranceAgreementContractsRetentionAmount"/>
  <xs:element name="AggregateFairValueOfBondHeld" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_AggregateFairValueOfBondHeld"/>
  <xs:element name="AmortizedCostOfBondHeld" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_AmortizedCostOfBondHeld"/>
  <xs:element name="ThresholdLimitForInvestmentHeld" type="dtr:percentItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="dgica_ThresholdLimitForInvestmentHeld"/>
  <xs:element name="PercentageOfDifferentKindOfBondIncludedInInvestmentInSpecialRevenueBonds" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PercentageOfDifferentKindOfBondIncludedInInvestmentInSpecialRevenueBonds"/>
  <xs:element name="ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeAmortizationOfUnrecognizedLoss" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_ReclassificationAdjustmentOutOfAccumulatedOtherComprehensiveIncomeAmortizationOfUnrecognizedLoss"/>
  <xs:element name="NumberOfSecuritiesClassifiedAsAvailableForSaleInUnrealizedLossPosition" type="xbrli:integerItemType" abstract="false" xbrli:periodType="instant" nillable="true" substitutionGroup="xbrli:item" id="dgica_NumberOfSecuritiesClassifiedAsAvailableForSaleInUnrealizedLossPosition"/>
  <xs:element name="NumberOfEqualAnnualInstallments" type="xbrli:integerItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_NumberOfEqualAnnualInstallments"/>
  <xs:element name="EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOption" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item" id="dgica_EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOption"/>
  <xs:element name="DeferredTaxAssetsNetOther" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item" id="dgica_DeferredTaxAssetsNetOther"/>
  <xs:element name="ManagementsAssertionOfAdequacyOfInsuranceReservesPercentage" type="dtr:percentItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ManagementsAssertionOfAdequacyOfInsuranceReservesPercentage"/>
  <xs:element name="AtlanticStatesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_AtlanticStatesMember"/>
  <xs:element name="CommercialLinesSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_CommercialLinesSegmentMember"/>
  <xs:element name="DonegalMutualInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_DonegalMutualInsuranceCompanyMember"/>
  <xs:element name="EducationBondMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EducationBondMember"/>
  <xs:element name="InvestmentsFunctionSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_InvestmentsFunctionSegmentMember"/>
  <xs:element name="ManufacturersAndTradersTrustCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ManufacturersAndTradersTrustCompanyMember"/>
  <xs:element name="PersonalLinesSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PersonalLinesSegmentMember"/>
  <xs:element name="SpecialRevenueBondMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SpecialRevenueBondMember"/>
  <xs:element name="ThirdPartyReinsuranceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ThirdPartyReinsuranceMember"/>
  <xs:element name="WaterAndSewerUtilityBondsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_WaterAndSewerUtilityBondsMember"/>
  <xs:element name="AmortizedCostAndEstimatedFairValuesOfFixedMaturitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_AmortizedCostAndEstimatedFairValuesOfFixedMaturitiesAbstract"/>
  <xs:element name="BasisOfPresentationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_BasisOfPresentationAbstract"/>
  <xs:element name="FixedMaturitiesInvestmentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_FixedMaturitiesInvestmentsAbstract"/>
  <xs:element name="MaturityOfFixedMaturitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_MaturityOfFixedMaturitiesAbstract"/>
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  <xs:element name="DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_DocumentAndEntityInformationAbstract"/>
</xs:schema>
