Elephant Auto Insurance: User Reviews and Quotes (2025)
Elephant has competitive rates and plenty of coverage options, making it a good option if you live in one of several of the states where it operates.
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Written byErin Gobler
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Elephant Insurance is relatively new to the market compared to some other insurers — it’s only been in business for about 15 years.[1] In that time, the company has expanded its service area and offerings, though Elephant still only sells coverage in eight U.S. states.
Elephant has an impressive list of coverage options, and its various discounts make it easy for customers to save on their premiums. Though the company hasn’t received many third-party rankings, its overall solid customer reviews suggest it’s a good option for many drivers.
Here’s what you need to know about auto insurance offerings from Elephant.
Quick Facts
Elephant Insurance has average monthly premiums of $114 for liability and $169 for full coverage, which is on par with the national averages of $99 for liability and $176 for full coverage.
Elephant has generally positive customer reviews online and a below-average number of complaints filed with the National Association of Insurance Commissioners (NAIC).
Through its variety of discount options, Elephant customers can save up to 40% on their premiums.
How Elephant compares to other insurance companies
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $114/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
3.9
A solid optionBased on 154 verified guest reviews and ratings
How drivers feel about Elephant
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
How drivers feel about Elephant
Customers appreciate the quick responses and easy-to-use website but are unhappy with the significant and frequent rate increases. Some also found the claim process to be lengthy.
AI-generated from the text of verified reviews collected by Insurify
Best For
Optional coverages
Good drivers
Numerous discounts
Reviews (73)
Laverne
Verified Purchase
Excellent Customer Service
Reviewed in Maryland on December 2025
My experience with Elephant Insurance was very, very good. They listened to what I needed and provided professional service.
Jay
Verified Purchase
Mixed Emotions
Reviewed on November 2025
The website is not so easy to navigate. There isn’t a way to contact the customer service team directly, and it looks like they are deliberately trying to make it difficult for the customer to get in touch with a real human who can assist them. However, if you miss one day in paying the bill, they are quick to send out a letter to cancel your policy. Their response to that is rapid fire!
Kristina
Verified Purchase
Fast friendly staff and service
Reviewed on October 2025
Love them and plan on being with them forever.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.93A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Elephant has a lot to offer customers, starting with its rates, which are comparable to the national average and similar competitors.
Elephant also stands out for the coverage options and discounts it offers. The company has more coverage options than some other companies in the auto insurance market.[2] Customers can save up to 40% with discounts, which is better than what you can find with many competitors.
Unfortunately, Elephant Insurance isn’t widely available. It currently only offers policies in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. And because it doesn’t have ratings from third-party agencies, it’s difficult to compare its customer satisfaction and financial strength with other insurance companies.
See how Elephant compares to similar competitors below.
Factor  | How Elephant Compares |
|---|---|
| Rates | Average |
| Customer service | Better than competitors |
| Discounts | More than competitors |
| Availability | Less than competitors |
| Financial strength | Not rated |
How Elephant auto insurance works
Elephant is a Virginia-based company that offers various insurance policies, including auto, home, and renters coverage. The company is a subsidiary of U.K.-based Admiral Group, which founded Elephant in 2009.
Elephant offers fairly standard auto insurance policies, including a variety of coverage options, as well as several discounts to help its customers save even more. It’s an online-based company, which means you can get a quote and sign up for your policy online. Elephant doesn’t have local agents — instead, the company’s customer service representatives help customers with any questions or problems they run into.
Elephant underwrites its own auto insurance policies. But its partner companies — which include Dairyland, Ladder, and RLI — underwrite non-auto policies.
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How Elephant rates compare to competitors
Elephant has average premiums that are on par with the national average and fairly comparable to similar competitors. See how average full-coverage premiums from Elephant compare to several competitors below.
Average Quote by Insurance Company
Average cost of Elephant auto insurance
How much you pay for car insurance will depend on your driving record, age, and more.
If you have a history of past speeding tickets, car accidents, or DUIs, you’ll pay more for car insurance than drivers with a clean record. By age group, teenagers pay the highest premiums due to a lack of driving experience. Senior drivers pay much less for coverage than young drivers, but drivers 70 and older experience slight upticks in premiums.
See how average monthly liability rates from Elephant compare to the national average below.
Driver | Elephant Average Quote | National Average |
|---|---|---|
| Drivers with a clean record | $114 | $99 |
| Drivers with a speeding ticket | $129 | $128 |
| Drivers with an at-fault accident | $146 | $132 |
| Drivers with a DUI | $169 | $146 |
| Teen drivers | $190 | $191 |
| Senior drivers | $92 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Elephant car insurance cost by state
Car insurance premiums vary by state due to various factors. For example, each state has its own minimum car insurance requirements, which can affect average rates. Additionally, each state may have different hazards and risk factors, including weather patterns, traffic density, uninsured drivers, and more.
Elephant Insurance currently does business in eight states. The company has comparable rates to other insurers selling coverage in the same states. You can see the states Elephant does business in and how its average monthly liability insurance rates compare to the statewide averages in the table below.
State | Elephant Average Quote | State Average |
|---|---|---|
| Georgia | $136 | $158 |
| Illinois | $101 | $80 |
| Indiana | $87 | $67 |
| Maryland | $190 | $180 |
| Ohio | $75 | $69 |
| Tennessee | $104 | $66 |
| Texas | $154 | $119 |
| Virginia | $94 | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Elephant car insurance discounts
Elephant offers more than a dozen different car insurance discounts to help its customers save on their premiums. According to the company, you can save a total of up to 40% with Elephant’s discounts.
Learn more about how much you can save with discounts from Elephant below.
Discount | % Discount |
|---|---|
| Multi-car | Up to 39% |
| Multi-policy | Up to 16% |
| Early bird | Up to 10% |
| Shopping and payment | 3%–18% |
| Homeowner | Up to 10% |
| Claims-free | Not disclosed |
| Student | Not disclosed |
| Work from home | Not disclosed |
How customers feel about Elephant
Elephant has some mixed feedback. First, as a smaller and relatively new company, Elephant hasn’t received rankings from some third-party companies like AM Best and J.D. Power. But the company has plenty of existing customer reviews online.
The company’s average customer rating on Trustpilot is 4.5 out of 5 stars, with more than 80% of reviewers leaving five-star ratings. Only about 12% of customers left one-star or two-star ratings. The company also has a below-average number of complaints for a company of its size with the National Association of Insurance Commissioners (NAIC).
It’s worth noting that Elephant Insurance was previously subject to a class-action lawsuit regarding a data breach that compromised customer data, but the judge threw the case out, saying the plaintiffs couldn’t show sufficient evidence of harm.[3]
Elephant customer reviews
Elephant has generally positive reviews from its customers, who like the affordable rates and easy sign-up process. Below, you can see some verified customer reviews from real users.
Laverne
Verified Purchase
Excellent Customer Service
Reviewed in Maryland on December 2025
My experience with Elephant Insurance was very, very good. They listened to what I needed and provided professional service.
Jay
Verified Purchase
Mixed Emotions
Reviewed on November 2025
The website is not so easy to navigate. There isn’t a way to contact the customer service team directly, and it looks like they are deliberately trying to make it difficult for the customer to get in touch with a real human who can assist them. However, if you miss one day in paying the bill, they are quick to send out a letter to cancel your policy. Their response to that is rapid fire!
Kristina
Verified Purchase
Fast friendly staff and service
Reviewed on October 2025
Love them and plan on being with them forever.
Marsha
Verified Review
Mediocre Insurance Not Customer Friendly
Reviewed in Texas on October 2025
It's been acceptable, but my policy has increased from $186 in 2021 to $294 in 2025. I'm a widow, 70 years old, and drive about 25-50 miles a week. Some weeks I don't go anywhere in my car. I have no tickets, no DUIs.
…
Elephant ratings
A handful of third-party organizations rank car insurance companies based on factors like financial strength, customer satisfaction, claims satisfaction, and customer complaints. Three of the most reputable organizations are AM Best, J.D. Power, and the NAIC.
Unfortunately, some of these organizations haven’t included Elephant in their rankings, which makes it difficult to compare the company to others in the industry. You can see its rankings below.
Rating | Score | What This Means |
|---|---|---|
| AM Best | Not Rated | Elephant Insurance doesn’t have a rating from AM Best |
| J.D. Power | Not Rated | Elephant Insurance hasn’t received ratings in any J.D. Power studies |
| NAIC Complaint Index | 0.94 | Below-average amount of complaints than expected for a company of its size |
Elephant car insurance coverage options
Elephant has an impressive lineup of standard coverage and add-on options. First, the company offers standard state-minimum required car insurance, which typically includes bodily injury and property damage liability coverages. This coverage doesn’t pay for damage to your car — it protects other drivers on the road and their property.
Some states may also require other coverages, such as uninsured/underinsured motorist, medical payments, and personal injury protection, all of which Elephant offers. For the most vehicle protection, you can purchase full-coverage insurance, which includes collision and comprehensive insurance.
Elephant also has a large number of optional coverages you can add to your policy to provide more robust coverage:
Loan/lease payoff
If you total your car and your insurance payoff is lower than your remaining loan or lease amount, this form of gap coverage will pay the difference.
Rental reimbursement
When your car is in the shop after a car accident, rental reimbursement helps cover the cost of renting a vehicle.
Non-owner
Non-owner auto coverage is for drivers who don’t own a vehicle but occasionally drive other people’s cars.
Custom parts and equipment
If you’re in an accident, this coverage will replace custom parts and equipment on your vehicle.
Roadside assistance
Roadside assistance coverage provides roadside towing, battery jumps, tire changes, and other emergency services.
Legal coverage
You can sign up for legal coverage that helps you with both driving and non-driving-related legal tasks.
Upgraded accident forgiveness
With Elephant’s upgraded version of accident forgiveness, you get to skip the waiting period for having an accident waived.
Diminishing deductible
Diminishing deductible coverage can help lower your deductible the longer you remain accident-free.
Pet injury
If your pet incurs an injury in a covered incident, this coverage will pay for up to $1,000 of related expenses.
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Other options for Elephant customers
In addition to auto insurance, Elephant also offers a handful of other insurance coverages. Partner insurers underwrite all of Elephant’s non-auto policies. Here are the other insurance products you can get from Elephant:
Homeowners insurance: Elephant offers replacement cost homeowners insurance, which replaces your home up to 100% of the price to repair or rebuild it after an incident.
Renters insurance: Elephant’s renters insurance policies provide personal property, loss of use, and personal liability coverage to renters.
Condo insurance: In addition to home and renters insurance, Elephant also offers coverage specifically for condo owners.
Motorcycle insurance: Elephant offers motorcycle insurance through its partner, Dairyland.
Life insurance: Elephant offers term life insurance policies through its partner Ladder, with coverage of up to $3 million.
Umbrella insurance: This type of coverage, which Elephant offers through its partner RLI, protects you from liability above and beyond your other policy limits.
Off-road vehicle or ATV insurance: This coverage is available for any type of off-road vehicle, including snowmobiles, dirt bikes, dune buggies, golf carts, and ATVs.
Elephant insurance FAQs
Choosing an auto insurance company is an important decision. The following information can help answer your remaining questions about getting a policy from Elephant.
Is Elephant legitimate?
Yes. Elephant is a legitimate insurance company that sells a number of insurance products. The Admiral Group, its parent company, launched it in 2009.
What is the average cost of Elephant car insurance?
Elephant Insurance charges an average monthly premium of $114 per month for liability and $169 for full-coverage insurance, which is similar to the national averages. Your quoted rate will depend on your driving history, age, and other personal characteristics.
Is Elephant good at paying claims?
Unfortunately, Elephant doesn’t have financial strength or claims ratings from reputable third parties like AM Best or J.D. Power to indicate its ability to pay claims. In Elephant car insurance reviews, current and past customers note a fast and easy claims process, while others complain about poor communication after filing a claim.
How do I cancel my Elephant insurance policy?
You can cancel your Elephant car insurance policy online using the company’s chat feature. If you need additional help, you can call the company’s customer service department at 1 (855)-ELEPHANT.
Does Allstate own Elephant Insurance?
No. Allstate doesn’t own Elephant. The company is part of Admiral Group, a U.K.-based financial services company with brands in France, Italy, Spain, the U.K., and the U.S.
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Sources
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.