EXHIBIT 23


              Independent Auditors' Consent and Report on Schedules



The Board of Directors
Donegal Group Inc.:


The audits referred to in our report dated February 20, 2003 include the related
financial statement schedules as of December 31, 2002, and for each of the years
in the three-year period ended December 31, 2002, included in the annual report
on Form 10-K. These financial statement schedules are the responsibility of the
Company's management. Our responsibility is to express an opinion on these
financial statement schedules based on our audits. In our opinion, such
financial statement schedules, when considered in relation to the basic
consolidated financial statements taken as a whole, present fairly, in all
material respects, the information set forth therein.

We consent to incorporation by reference in the registration statements (Nos.
333-06681, 333-25541, 333-26693, 333-61095, 333-93785, 333-943301, 333-89644,
333-62970, 333-62972, 333-62974 and 333-62976) on Forms S-8 and registration
statement (No. 333-59828) on Form S-3 of Donegal Group Inc. of our reports dated
February 20, 2003, relating to the consolidated balance sheets of Donegal Group
Inc. as of December 31, 2002 and 2001, and the related consolidated statements
of income and comprehensive income, stockholders' equity and cash flows and
related financial statement schedules for each of the years in the three-year
period ended December 31, 2002, which reports are incorporated by reference or
appear in the December 31, 2002 annual report on Form 10-K of Donegal Group Inc.


/s/ KPMG LLP

Philadelphia, Pennsylvania
March 26, 2003