A relative newcomer to the insurance marketplace, Elephant Insurance started its U.S. operations roughly a decade ago as an offshoot of Admiral Group, a major U.K. insurer. The insurance company provides only auto insurance directly, but has partnered with other insurers to offer life insurance, homeowners insurance, and a handful of other insurance products.
Who Benefits Most and Least from Elephant Insurance?
- People with more than one vehicle
- Customers who are comfortable with no local agents
- Drivers with a clean driving history who are looking for the lowest rates, including cost-cutting features like accident forgiveness
Not the Best For…
- Customers who live outside the six states serviced by Elephant
- Drivers looking for the best customer service in the industry
Elephant: Joining the herd
Elephant chose that name for the company because it reflects something that’s “big, strong and built to last,” according to the company’s “About Us” page. The company also describes itself as “big enough to matter but small enough to care.” In reality, Elephant has an above-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC).
Elephant has an adequate customer service rating compared to its peers. While the company doesn’t have bad customer service, it doesn’t provide exceptional service, either. Most customer complaints focus on problems with claims payouts, errors in payment processing, and a tendency for rates to creep upwards (or sprint upwards) over time.
One area where Elephant shines is its rates. Because it’s a direct-to-customer insurer, Elephant has no need to pay insurance agent commissions, and it passes on at least some of those savings in the form of lower premiums. The company also has several nice discount programs, including accident forgiveness and diminishing deductible options.
Elephant Car Insurance Quotes and Discounts
You might think shopping for insurance means buying the cheapest option you can find, but if you’re not checking for auto policy discounts, you might not be saving as much as you think. Pick a policy with lots of available discounts, and a seemingly costly premium could end up being the best deal of the bunch.
Make sure you use Insurify when shopping for your car insurance policy—it makes sure you’re aware of any discounts for which you’re eligible and lets you compare quotes between several insurance companies!
Auto Insurance Quotes Comparison: Elephant vs. Competitors
We compared Elephant’s car insurance quotes to those of its competitors: Progressive, GEICO, and Shelter.
Below are the quotes for a 30-year-old female in Nashville, Tennessee, who has a clean driving record:
These would be the same driver’s rates if they had a speeding ticket for driving at 75 mph in a 50 mph zone:
Insurance company Quote
Finally, these would be the same driver’s rates if they were to have an at-fault accident on their record:
Insurance company Quote
You never know which insurance company could give you the best deal for the best price! This is why you should always compare quotes online by using comparison websites like Insurify.
Drivers Can SAVE with these Discounts from Elephant
Multiple Vehicle Discount up to 39%
Early Quote Discount up to 27%
Policy Update/Extension Discount up to 20%
Signing documents when you buy online discount up to 15%
Paid in full discount up to 15%
Starting your auto quote online discount up to 15%
Good Driver Discount up to 12%
Good Student Discount up to 9%
Multiple Policy Discount up to 6%
Passive Restraint Discount up to 6%
Home Owner Discount up to 5%
Mature driver discount up to 5%
Claims Free Renewal Discount up to 4%
Paperless documents discount up to 3%
Accident Free Discount up to 2%
States Where Elephant Car Insurance is Offered
Elephant auto insurance is available in six states.
If you live in one of the below states, Elephant might be a good choice for you:
Insurance minimums and coverage vary in every state, so you should look up the details for Elephant policies offered in yours.
Click here to find the cheapest car insurance quotes in your state.
Elephant Auto Insurance Coverages
Elephant offers policyholders the following types of insurance as part of its “standard” car insurance coverage.
Elephant offers customers both property damage and bodily injury liability, which are mandatory in most states. These cover you if you’re at fault in a car accident and need to pay for medical bills and property damage sustained by the other driver. For example, if you were at fault in a car accident with another car, Elephant would pay for the damages to the other vehicle. If you were to crash into someone’s fence or mailbox, Elephant would pay for that, too.
Comprehensive and collision coverage
These types of car insurance coverage pay for damage to your vehicle, whether the damage is your fault or someone else’s. Collision coverage pays for damage that occurs when your vehicle hits something else (be it another car or something like a tree). Comprehensive coverage is for any type of covered damage that’s not the result of a collision: for example, if your vehicle is stolen or vandalized.
Uninsured and underinsured motorist coverage
What happens if you’re in an accident that’s someone else’s fault, but that person doesn’t have enough insurance coverage to pay for your vehicle repairs or medical expenses? In that case, Elephant’s uninsured or underinsured motorist coverage can help. If you’re hit by someone who has no insurance coverage or you’re the victim of a hit-and-run, uninsured motorist coverage will apply. Underinsured motorist coverage, not surprisingly, is for accidents where the at-fault driver has some insurance coverage, but not enough to pay for all the expenses. Some states require this coverage on your auto insurance policy, while others consider it optional.
Medical Payments Coverage
If you’re involved in an accident, Elephant’s medical payments coverage will help pay your medical expenses, legal fees, and any emotional distress the accident caused you. Medical payments coverage is not intended as a replacement for health insurance, but it can complement your existing health insurance coverage. For one thing, your health insurance will help with your medical costs from an accident, but it won’t do a thing for your passengers, whereas your medical payments coverage extends to everyone in your vehicle.
Personal Injury Protection Coverage
Elephant offers Personal Injury Protection (PIP) coverage as your state requires. If you’re a resident of a no-fault accident state, you’re required to have either medical payments coverage or PIP coverage. PIP covers your medical payments in the long-term aftermath of your accident, not just the immediate aftermath. This means if you or your family members sustained injuries that require regular hospital visits and rehabilitation, PIP would cover those costs. PIP tends to cover more expenses than medical payments coverage does, but unlike medical payments coverage, you’ll have a deductible to meet. Check to make sure you’re comfortable with the level of PIP coverage before purchasing your insurance policy.
The following are optional coverages that are available as add-ons to a standard Elephant car insurance policy:
Elephant offers a full-scale 24/7 roadside assistance package, provided by Urgent.ly, a company that offers perks like the ability to track your tow truck driver’s location in real time. The program provides you with 24-hour roadside assistance if you’re stranded on the road because you ran out of fuel, locked your keys in the car, need your tire changed, need your battery revived, or need your vehicle towed to another place. Call 1 (833) 442-8884 for 24/7 assistance, assuming you’ve purchased this coverage option.
If you get comprehensive and collision coverage, you can also grab the diminishing deductible add-on. This program immediately drops $100 off your deductible, then removes a further $100 for each year you remain accident-free (up to $500 total). If you do get in an accident, you won’t see your deductible drop that year, but you won’t lose your accumulated discount either. If you have more than one vehicle on your policy, diminishing deductible applies to all of them.
When you buy a new vehicle, its value drops as soon as you drive it off the dealership lot. That means you could end up owing more on your car loan than the car is actually worth…and if you total the car in an accident under those circumstances, you may end up owing the lender more than you get back from your auto insurance company. That’s where gap coverage can come in handy. If your vehicle is totaled, gap coverage pays you the difference between how much your car is worth and how much you owe on the lease or loan.
Other Special Auto Coverages Offered by Elephant Insurance
Once you’ve held an Elephant auto insurance policy for a while, you can tack on accident forgiveness to your policy. This add-on keeps your rates from soaring up the first time you have an accident even though it’s one where you’re at fault.
Legal Assistance Coverage
Elephant’s legal assistance coverage add-on will cover some or all of the attorney fees for dealing with traffic courts and other legal situations. The program gives you access to an attorney network provided by group legal services provider Legal Resources. If you need representation, you’ll be referred to a local attorney with experience in that type of legal issue. Note that the legal assistance coverage program only helps cover attorney fees, not other legal expenses such as court fees and fines.
Other Insurance Products Offered by Elephant Insurance
Elephant offers more than just auto insurance. See just how many insurance products you can bundle under a singular Elephant policy:
Dwelling protection, personal possession protection, liability coverage, and loss of use coverage are standard inclusions for homeowners insurance policies. If you buy homeowners insurance through Elephant, you’ll automatically get replacement cost coverage as well, meaning you’ll be compensated based on the cost to fix the damage using comparable materials. This doesn’t always apply to certain roof damage claims, which may be settled on actual cash value instead. Elephant doesn’t underwrite its homeowners insurance policies; the actual provider is Homesite.
If you rent rather than own your home, Elephant can provide renters insurance that includes personal liability coverage, loss of use coverage, and replacement cost coverage. Elephant doesn’t underwrite its renters insurance policies; the actual provider is Homesite.
Elephant offers just one type of life insurance: term life insurance. Unlike its auto insurance policies, which can be prepaid for the year, Elephant’s life insurance policies are always paid monthly.
Elephant’s motorcycle insurance coverage is quite similar to its auto insurance plans. Standard coverage includes collision, comprehensive, liability, and accessory coverage (for damage to safety apparel such as helmets). Medical expense coverage, uninsured/underinsured motorist coverage, and 24/7 roadside assistance are offered as add-ons.
If you have substantial assets, the liability coverage levels provided by standard car insurance and other policies might not be enough to protect you. That’s where umbrella coverage can help. An umbrella insurance policy complements basic policies such as auto and home insurance. The umbrella coverage picks up where the basic policy’s liability coverage lets off, and can also protect against things not covered by the base policy—for example, Elephant’s umbrella insurance covers libel, slander, and false arrest.
How Can I Buy Auto Insurance from Elephant?
You can purchase Elephant’s car insurance by getting a quote on its website or calling 1 (877) 321-2096. If you choose to get your quote through the website, Elephant will give you a 12 percent discount.
Remember to compare quotes before you make a decision by using a website like Insurify, which lets you compare up to 20 quotes at a time!
How Can I Pay for My Elephant Car Insurance Policy?
Elephant accepts almost all methods of payment, including paying online, by phone, or through the mail. If you pay your premium in full, you can avoid installment fees.
Credit card or bank account
You can log in to your Elephant account and pay with your credit card or your checking or savings account. To set up your online account for payments and so on, you’ll need to provide your policy number, ZIP code, and the primary policy holder’s name and date of birth.
Through your bank
You can sign up for online payments through your bank by using your Elephant policy number. To get set up, you’ll also need your bill amount and due date. Use the following payment processing address:
P.O. Box 75658
Baltimore, MD 21275-5658
Once you’ve completed the setup process, you can easily make future payments through your bank’s bill pay system.
You can set up automatic monthly payments from your bank account or debit or credit card. Speak with your agent or call 1 (855) ELEPHANT to get started.
Call 1 (855) ELEPHANT to pay for your policy over the phone. You’ll need your billing account number and zip code to proceed. If the automated system won’t accept your ZIP code, press 0 to speak with a person.
You can send a check or money order to the following Elephant address:
P.O. Box 75658
Baltimore, MD 21275-5658
How Often Will Elephant Increase My Premiums?
If you get into an accident…
Even safe drivers can get into unfortunate situations, and most of the time, getting a ticket or a violation on your record will lead to premium increases. With Elephant, you can apply for accident forgiveness coverage, and then your premium won’t increase if you have an at-fault accident. However, if you get into an accident and don’t have accident forgiveness, your premium will most probably increase—even if you weren’t at fault.
If you’re a loyal customer…
Many Elephant policyholders complained of price hikes even though they had maintained clean driving records. It’s wise to compare rates with other insurance providers every time your policy is up for renewal, even if your rates with your existing insurance company don’t change.
If you file a claim…
The number of claims you file will also impact your Elephant premiums. If you file a claim, even for an accident where you weren’t at fault, your auto insurance rates will probably increase.
How Does Elephant’s Claims Process Work?
You can file a claim online by logging into your Elephant account online and following the prompts. You can also call 1 (844) 937-5353 if you would rather speak to a representative.
Once you’ve filed a claim, you can manage and track its progress online by entering the claim number and policy number. You can also email email@example.com to get an update.
How Can I Cancel My Elephant Car Insurance Policy?
You can speak with an Elephant representative at 1 (855) ELEPHANT to cancel your policy. Agents are available Monday through Friday from 8:00 AM to 9:00 PM ET, as well as 9:00 AM to 5:30 PM on Saturdays.
Cancellation fees vary by state and policy, so you should consider canceling your policy at the end of the policy period to avoid such charges. Make sure you already have another insurance policy lined up for your car so there are no gaps in your insurance. You’ll also want to hold off on canceling your plan until you have your proof of insurance letter.
Use an insurance comparison website like Insurify to find and compare auto insurance quotes for free.
How Much Does Uber/Lyft Coverage Cost with Elephant?
Sadly, Elephant doesn’t offer rideshare insurance coverage.
If you have an Elephant auto insurance policy, you may be able to purchase a ridesharing policy from another company to protect you during the time between when your personal coverage from Elephant ends and your Uber or Lyft policy takes over. You’ll still need to buy coverage from Uber or Lyft to protect you while you actually have a paying passenger in the car; a rideshare policy is only active between when you log into the Uber/Lyft app and when you get matched with a passenger. Because the ridesharing coverage only operates for a brief window, it’s typically quite affordable—though specific costs will vary based on your driving history, location, credit score, and other factors.
Insurance Companies Similar to Elephant
Elephant insurance is a direct-to-consumer company with lower-than-average quotes. As such, it’s competitors include other companies with similar models, such as Esurance, GEICO, and Progressive.
According to Insurify’s internal database of over 2 million car insurance applications and our analysis of external sources, drivers who chose Elephant car insurance most often switched from the following car insurance companies:
And drivers who left Elephant most often switched to these providers instead:
Elephant Car Insurance Customer Satisfaction and Policyholder Reviews
Customer reviews for Elephant are relatively positive on average, but some reviewers cited sudden and unexpected rate increases.
Positive reviews mostly focused on Elephant’s comprehensive policies and its ease of purchase, since customers can easily buy policies online:
Other customers complained that Elephant’s claims process was long and painful and that the quality of customer service was unsatisfactory:
Frequently Asked Questions: Elephant Car Insurance
Does Elephant have good insurance?
Elephant is a good option for car insurance if you're a good driver looking for low rates, you qualify for several of the company’s numerous discounts, or you have more than one vehicle or you plan to get multiple policies. It might not be a good option if you're looking for an insurance company with excellent customer service or the smoothest claims process. Also, drivers who live outside the six states where Elephant provides coverage will have to look elsewhere.
How do I cancel my Elephant insurance policy?
Call an Elephant representative at 1 (855) ELEPHANT to cancel your policy. Agents are available Monday through Friday from 8:00 AM to 9:00 PM ET, as well as 9:00 AM to 5:30 PM on Saturdays. Cancellation fees vary based on how much time is left on your premium.
Is Elephant cheaper than Progressive or GEICO?
Overall, Elephant's prices are on par with those of its competitors. However, insurance rates are heavily affected by factors like your location, age, and gender. So you should consider comparing quotes on websites like Insurify, which lets you simultaneously compare quotes between up to 20 companies at a time.
How do you know if Elephant is the cheapest car insurance in your area?
Shop around for insurance with an auto insurance quotes comparison site like Insurify to have a look at all the cheapest car insurance quotes and discounts for which you may be eligible.
You can never rely on one insurance company to give you the best or the cheapest quote. Different insurance companies use various factors to set their rates, so even if a particular insurance company gave your friend a great rate, that doesn’t mean it will be the best deal for you.
That’s why it’s essential to do your research and compare quotes among other insurance companies. This can be time-consuming, but Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once!
Elephant Auto Insurance Overview
Founded in 2009, Elephant is an insurance subsidiary of Admiral Group plc, one of the United Kingdom‘s largest insurance providers. Admiral has a presence in eight countries and serves over six million customers worldwide. Elephant, however, is a relatively small player in the US insurance marketplace.
Elephant offers full coverage auto insurance, homeowners insurance, renters insurance, umbrella insurance, motorcycle insurance, and life insurance policies. It has a Better Business Bureau (BBB) ranking of A+.
Elephant’s parent company Admiral Group received an A+ insurer financial strength rating (FSR) from Fitch Ratings, indicating solid financial performance and earnings.
Elephant Contact Information
Customer service phone number 1 (855) ELEPHANT
Claims service phone number 1 (844) 937-5353
Motorcycle insurance phone number 1 (844) 937-5361
Customer service email firstname.lastname@example.org
Claims email email@example.com
Account login My account
Mailing address Elephant Insurance, Deep Run I, 9950 Mayland Dr, Henrico, VA 23233