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  <xs:element name="InfrastructureRelatedCostsAllocatedToInsuranceSubsidiaries" id="dgica_InfrastructureRelatedCostsAllocatedToInsuranceSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="GrossRealizedLossOnInvestments" id="dgica_GrossRealizedLossOnInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="ChangeInDifferenceBetweenFairValueAndCostOfInvestments" id="dgica_ChangeInDifferenceBetweenFairValueAndCostOfInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="ReconciliationsOfStatutoryNetIncomeLossAndCapitalAndSurplusTableTextBlock" id="dgica_ReconciliationsOfStatutoryNetIncomeLossAndCapitalAndSurplusTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" id="dgica_IncomeLossFromContinuingOperationsBeforeIncomeLossFromEquityMethodInvestments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOption" id="dgica_EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOption" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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  <xs:element name="WaterAndSewerUtilityBondsMember" id="dgica_WaterAndSewerUtilityBondsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="PercentageOfDifferentKindOfBondIncludedInInvestmentInSpecialRevenueBonds" id="dgica_PercentageOfDifferentKindOfBondIncludedInInvestmentInSpecialRevenueBonds" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="StockOwnershipPercentageHeldByMajorShareholder" id="dgica_StockOwnershipPercentageHeldByMajorShareholder" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
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  <xs:element name="PaymentsForProceedsFromInvestmentInSubsidiaries" id="dgica_PaymentsForProceedsFromInvestmentInSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
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</xs:schema>
