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  <xs:element name="TRowePriceSmallCapStockFundMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_TRowePriceSmallCapStockFundMember"/>
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  <xs:element name="VanguardFederalMoneyMarketFundInvestorMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardFederalMoneyMarketFundInvestorMember"/>
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  <xs:element name="VanguardInstitutionalTargetRetirement2030Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2030Member"/>
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  <xs:element name="VanguardInstitutionalTargetRetirement2045Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2045Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirement2050Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2050Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirement2055Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2055Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirement2060Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2060Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirement2065Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2065Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirement2070Member" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirement2070Member"/>
  <xs:element name="VanguardInstitutionalTargetRetirementMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_VanguardInstitutionalTargetRetirementMember"/>
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  <xs:element name="CommonCollectiveTrustFundsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_CommonCollectiveTrustFundsLineItems"/>
  <xs:element name="CommonCollectiveTrustFundsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="dgica_CommonCollectiveTrustFundsTable"/>
  <xs:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EmployeeBenefitPlanAdministrationOfPlanAssetsAbstract"/>
  <xs:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EmployeeBenefitPlanAdministrationOfPlanAssetsLineItems"/>
  <xs:element name="EmployeeBenefitPlanAdministrationOfPlanAssetsTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="dgica_EmployeeBenefitPlanAdministrationOfPlanAssetsTable"/>
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</xs:schema>
