Elephant Auto Insurance: User Reviews and Quotes (2024)

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.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated November 7, 2024

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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 $111 for liability and $195 for full coverage, which is on par with the national averages of $104 for liability and $211 for full coverage.

  • Elephant has generally positive customer reviews online, but it does have more complaints than expected 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

Compare personalized, real-time quotes
User Reviews
3.2
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.
8.3/10
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.
$111/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.
$195/mo

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.

Read more driver reviews of Elephant
Donald - October 21, 2024
Verified

Good company, but got more expensive over time

They have a great website and provide quick answers. Their customer service is good. However, there isn't much flexibility in coverage. Over time, it became too expensive, especially considering I had no claims.

Denise - October 5, 2024
Verified

The customer service representatives were professional.

Elephant Insurance is an affordable company.

Ajay - October 1, 2024
Verified

Good Insurance Company

Great.
Factor
How Elephant Compares
RatesAverage
Customer serviceBetter than competitors
DiscountsMore than competitors
AvailabilityLess than competitors
Financial strengthNot 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$111$104
Drivers with a speeding ticket$155$145
Drivers with an at-fault accident$133$151
Drivers with a DUI$183$172
Teen drivers$169$188
Senior drivers$89$79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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$148
Illinois$94$79
Indiana$83$71
Maryland$180$195
Ohio$58$74
Tennessee$90$74
Texas$137$119
Virginia$88$97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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-carUp to 39%
Multi-policyUp to 16%
Early birdUp to 10%
Shopping and payment3%–18%
Homeowner Up to 10%
Claims-free Not disclosed
StudentNot disclosed
Work from homeNot 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. But the company has an above-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.

Donald - October 21, 2024
Verified

Good company, but got more expensive over time

They have a great website and provide quick answers. Their customer service is good. However, there isn't much flexibility in coverage. Over time, it became too expensive, especially considering I had no claims.
Denise - October 5, 2024
Verified

The customer service representatives were professional.

Elephant Insurance is an affordable company.
Ajay - October 1, 2024
Verified

Good Insurance Company

Great.
Martha - September 23, 2024
Verified

Would not recommend

There is incompetence across all areas of customer service.

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 BestNot RatedElephant Insurance doesn’t have a rating from AM Best
J.D. PowerNot RatedElephant Insurance hasn’t received ratings in any J.D. Power studies
NAIC Complaint Index1.55Above-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:

  • illustration card https://a.storyblok.com/f/162273/x/94dcf3f967/lender-requirement.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    Rental reimbursement

    When your car is in the shop after a car accident, rental reimbursement helps cover the cost of renting a vehicle.

  • illustration card https://a.storyblok.com/f/162273/150x150/789c6c481b/car-and-driving-96x96-green_007-driver.svg

    Non-owner

    Non-owner auto coverage is for drivers who don’t own a vehicle but occasionally drive other people’s cars.

  • illustration card https://a.storyblok.com/f/162273/150x150/3d8953c2df/car-and-driving-96x96-blue_033-dashboard.svg

    Custom parts and equipment

    If you’re in an accident, this coverage will replace custom parts and equipment on your vehicle.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance coverage provides roadside towing, battery jumps, tire changes, and other emergency services.

  • illustration card https://a.storyblok.com/f/162273/150x150/13dbb27bee/law-and-justice-96x96-orange_027-dossier.svg

    Legal coverage

    You can sign up for legal coverage that helps you with both driving and non-driving-related legal tasks.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Upgraded accident forgiveness

    With Elephant’s upgraded version of accident forgiveness, you get to skip the waiting period for having an accident waived.

  • illustration card https://a.storyblok.com/f/162273/150x150/534f1a1e1c/banking-96x96-green_007-calendar.svg

    Diminishing deductible

    Diminishing deductible coverage can help lower your deductible the longer you remain accident-free.

  • illustration card https://a.storyblok.com/f/162273/150x150/7be6e3cd4d/veterinary-96x96-yellow_032-x-ray.svg

    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 $111 per month for liability and $195 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.

Sources

  1. Elephant. "General info."
  2. Elephant. "Car insurance coverages types."
  3. Law.com. "‘Threatened Injury Is Too Speculative’: Federal Judge Tosses Elephant Insurance Data Breach Class Action for Lack of Standing."
Erin Gobler
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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