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  <xs:element name="CommercialAutomobileMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_CommercialAutomobileMember"/>
  <xs:element name="CommercialLinesSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_CommercialLinesSegmentMember"/>
  <xs:element name="CommercialMultiperilMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_CommercialMultiperilMember"/>
  <xs:element name="DonegalMutualInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_DonegalMutualInsuranceCompanyMember"/>
  <xs:element name="DonegalMutualMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_DonegalMutualMember"/>
  <xs:element name="EducationBondMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EducationBondMember"/>
  <xs:element name="EmployeeStockPurchasePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EmployeeStockPurchasePlanMember"/>
  <xs:element name="EquityIncentivePlanMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EquityIncentivePlanMember"/>
  <xs:element name="GrantDateFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_GrantDateFourMember"/>
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  <xs:element name="HomeownersMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_HomeownersMember"/>
  <xs:element name="InsuranceSubsidiariesMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_InsuranceSubsidiariesMember"/>
  <xs:element name="InvestmentsFunctionSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_InvestmentsFunctionSegmentMember"/>
  <xs:element name="IssueDateFiveMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IssueDateFiveMember"/>
  <xs:element name="IssueDateFourMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IssueDateFourMember"/>
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  <xs:element name="IssueDateSixMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IssueDateSixMember"/>
  <xs:element name="IssueDateThreeMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IssueDateThreeMember"/>
  <xs:element name="IssueDateTwoMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IssueDateTwoMember"/>
  <xs:element name="ManufacturersAndTradersTrustCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ManufacturersAndTradersTrustCompanyMember"/>
  <xs:element name="MichiganInsuranceCompanyMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_MichiganInsuranceCompanyMember"/>
  <xs:element name="PeninsulaMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PeninsulaMember"/>
  <xs:element name="PersonalAutomobileMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PersonalAutomobileMember"/>
  <xs:element name="PersonalLinesSegmentMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PersonalLinesSegmentMember"/>
  <xs:element name="SouthernMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SouthernMember"/>
  <xs:element name="SpecialRevenueBondMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SpecialRevenueBondMember"/>
  <xs:element name="StockRepurchaseProgramMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_StockRepurchaseProgramMember"/>
  <xs:element name="ThirdPartyReinsuranceMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ThirdPartyReinsuranceMember"/>
  <xs:element name="UnaffiliatedEntityMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_UnaffiliatedEntityMember"/>
  <xs:element name="WaterAndSewerUtilityBondsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_WaterAndSewerUtilityBondsMember"/>
  <xs:element name="WorkersCompensationMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_WorkersCompensationMember"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationNontaxableAndNondeductibleExpenseAmountAndPercentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EffectiveIncomeTaxRateReconciliationNontaxableAndNondeductibleExpenseAmountAndPercentAbstract"/>
  <xs:element name="EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsAmountAndPercentAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsAmountAndPercentAbstract"/>
  <xs:element name="FixedMaturitiesInvestmentsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_FixedMaturitiesInvestmentsAbstract"/>
  <xs:element name="IncreaseDecreaseOfStatutoryNetIncomeLossOfInsuranceSubsidiariesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_IncreaseDecreaseOfStatutoryNetIncomeLossOfInsuranceSubsidiariesAbstract"/>
  <xs:element name="LiabilityForLossesAndLossExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_LiabilityForLossesAndLossExpensesAbstract"/>
  <xs:element name="MaturityOfFixedMaturitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_MaturityOfFixedMaturitiesAbstract"/>
  <xs:element name="OrganizationAndBusinessLineItems" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_OrganizationAndBusinessLineItems"/>
  <xs:element name="OrganizationAndBusinessTable" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrldt:hypercubeItem" id="dgica_OrganizationAndBusinessTable"/>
  <xs:element name="PurchasesOfFixedMaturitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_PurchasesOfFixedMaturitiesAbstract"/>
  <xs:element name="ReconciliationOfStatutoryFilingsToAmountsReportedInTheConsolidatedFinancialStatementsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_ReconciliationOfStatutoryFilingsToAmountsReportedInTheConsolidatedFinancialStatementsAbstract"/>
  <xs:element name="SalesOfFixedMaturitiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SalesOfFixedMaturitiesAbstract"/>
  <xs:element name="SegmentExpensesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_SegmentExpensesAbstract"/>
  <xs:element name="StatementsOfComprehensiveIncomeAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_StatementsOfComprehensiveIncomeAbstract"/>
  <xs:element name="StatutoryCapitalAndSurplusOfInsuranceSubsidiariesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="dgica_StatutoryCapitalAndSurplusOfInsuranceSubsidiariesAbstract"/>
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</xs:schema>
