Find out more about Elephant Insurance's coverage and ways to save on your policy.

 
 

A growing insurance company, Elephant Insurance is known for its strong industry reputation, affordable rates, and one-year insurance terms. We evaluated many Elephant insurance reviews and wanted to add our expert opinion.

We’ve already done an in-depth look at the best car insurance companies, and after ranking over 30 popular auto insurance companies based on availability, financial strength, coverage, cost, technology, and customer service, we know who the leaders are. Read on to see how Elephant car insurance measures up to the competition.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool above to start comparing personalized car insurance quotes. For an easier way to get free quotes, call (855) 518-0148.

In this article: 

 


 

Elephant Auto Insurance At A Glance

Because Elephant Insurance provides direct-to-consumer policies, the company can offer a competitive quote. This insurer also has a strong financial backing, several available discounts, and offers one-year insurance terms. The problem is that the coverage only applies to residents in Illinois, Indiana, Maryland, Tennessee, Texas, and Virginia.

What Is Elephant Auto Insurance?

Elephant Insurance is owned by the Admiral Group, which is one of the biggest insurance providers in the United Kingdom. Admiral initially launched in 1993 but has since grown beyond the boundaries of the UK. Now, the organization serves the United States, Spain, Italy, and France, as well.

The Elephant Insurance company officially launched in the United States back in 2009. The company headquarters were placed outside of Richmond, Virginia, in Henrico.

The name Elephant was chosen for the company because it illustrates how a herd takes care of their own. To further stick with the brand, the organization refers to Elephant customers as the herd.

Aside from auto insurance, Elephant Insurance offers the following products and services:

  • Motorcycle insurance
  • ATV insurance
  • Collector car insurance
  • Homeowners/Renters insurance
  • Condo insurance
  • Life insurance
  • Umbrella insurance

At this time, there don’t appear to be any commercial plans from Elephant Insurance.

 


 

Coverage Options From Elephant Auto Insurance 

As with all auto insurance companies, you can choose the standard plans, including liability, comprehensive, and collision. It’s what an organization offers above this that truly sets it apart.

Benefit Details

Legal Assistance Coverage

This additional coverage costs as little as $5 per month. With this plan, you receive help with legal fees associated with estate planning, family law, traffic charges, and more.

Diminishing Deductible

This extra option is available with collision coverage. Initially, Elephant takes $100 off the collision deductible and another $100 every year that you remain accident-free. The total discount will stop at $500. If you have an accident, the collision deductible remains where it is, and then continues to decrease again every year that you are accident-free.

Urgent.ly Roadside Assistance

Elephant partners with Urgent.ly to provide roadside assistance. Customers can track support in real-time.

Accident Forgiveness

All customers with Elephant for a few years qualify for accident forgiveness, guaranteeing that rates won’t rise after an at-fault accident.

Rental Reimbursement

Elephant auto covers for a rental car if the vehicle isn’t drivable for more than 24 hours due to a covered loss through Collision or Comprehensive. If the vehicle is considered a total loss, you will receive an extra three days of coverage.

 

While this is an extensive selection of perks, not all of them are available with every insurance policy. You would need to talk to customer service to see what options are available to you.

Elephant Auto Insurance Quotes

According to the company, it only takes 10 minutes to get a car insurance quote, and you can get a quote online or with a phone call. If you reach out to Elephant Insurance, you will want to have the following information on hand.

  • Driver information: Your name, address, phone number, email address, and driver’s license number as well as the same information for anyone else needing coverage
  • Car information: The year, make, model, and vehicle identification number (VIN) of each vehicle for the policy 
  • Coverage options: The declarations page of your current policy to use for a comparable quote

 


 

Elephant Auto Insurance Cost And Discounts

When you get a car insurance quote from any company, you must expect it to look at numerous aspects before giving you a price. These factors include:

Location: Your insurance premium will vary by state and the area you live in. Urban locations tend to have higher car insurance rates compared to rural locations because of the additional risk.

Driving record: If you have a clean driving record, you will have a lower rate. If you have moving violations, tickets, or an at-fault accident in the past, you will also have to pay more.

Coverage required: You will pay more for comprehensive and collision than you would to have a state-minimum policy.

Age: New drivers tend to pay substantially more because of the increased risk of an accident.

Type of vehicle: Some cars cost more to insure and some models are the cheapest. Before you buy a car, it helps to differentiate where that model falls.

Credit history: If you pay your bills on time, you are seen as a reliable customer, and you will likely pay less for insurance coverage.

Elephant does provide some insurance discounts to help you save money. Here are a few you might qualify for:

Discount Details

Responsible Driver

If you have remained accident-free for five years, the company will provide up to 10 percent off applicable coverages.

Good Student

Full-time students receive up to 12 percent off participating coverage with a B average or higher.

Multi-Car

If you have two vehicles insured, you can count on a discount.

Online Quote

By getting your quote online, you save 12 percent on the premium.

Electronic Signature

When you use the electronic signature, you save even more.

Paperless Account

You can also protect the environment and save another 2 percent by going with paperless statements.

Pay In Full

Pay for the entire year upfront and save on the premium.

 


 

Elephant Insurance Reviews

It’s helpful to see what the company has to say about itself, but it’s even better to see what customers are saying. We can evaluate the reputation of the insurer based on online Elephant Insurance reviews and industry experts' ratings. 

We like to look at the AM Best rating, which is an indication of the financial health of a company. While Elephant Insurance doesn’t have a rating, its parent company Admiral Group does. The organization boasts an A+ (Superior) financial rating, so you know there is enough money to pay out claims.

Aside from that, Elephant Insurance has been awarded:

  • 2011 Achievers 50 Most Engaged Workplaces Award
  • 7th Place in 2011 Best Places to Work in Virginia
  • 2014 Stevie Award bronze medal for sales and customer service

In addition, Elephant maintains an A+ Better Business Bureau (BBB) rating, which isn’t always easy in this industry. It has also paid to become accredited and appears to have minimal complaints.

Positive Elephant Insurance Reviews

“I have always had great experiences with Elephant Insurance. The staff are so friendly and helpful, and the phone hold times are low. I had to file a car insurance claim last year, Elephant took care of me. I could not be happier with the service I received. The claims agent was so helpful and genuinely cared about my claim. I would recommend Elephant to anyone! Plus they always have the lowest prices.”

-Brandon M. via BBB

"I have been with [Elephant] for four years now. I pay $135 a month for full coverage on my SUV. I used to have my other car also on my policy, with liability only, and I paid $142 a month combined for both vehicles because they give you a multi-car discount. With any other company, the lowest rate I've been able to get for just full coverage on my one vehicle was $175 a month."

-V.D. via Yelp

Negative Elephant Insurance Reviews

"Once you file a claim with this company, you get horrible customer service. The claims process is long, and they have the rudest people working the claims, including management."

-RE. E. via BBB

"Dealing with Elephant is a one-way street- no one seems to know or have the authority to use common sense. It has been [an] exercise in pure frustration for over three months. I would have been better off [if] I had been hit by an uninsured or hit and run driver than the other driver being insured by Elephant."

-Clint R. via BBB

Many Elephant Insurance customer reviews mentioned its claims process, both positively and negatively. To file a claim with the insurer, you can either use its online tool or call 844-937-5353 during normal business hours. Elephant Insurance has service representatives available to walk you through the entire claims process as well as a step-by-step guide online. The insurer also works with any repair shop you choose.

 


 

Elephant Auto Insurance Technology And Apps

For drivers always on the move, Elephant Insurance offers a mobile app. Both iPhone and Android users can access the highly rated app to review or change their policies quickly. You can also use the technology for emergency assistance in the event of an accident.

Elephant's app hosts a Telematics feature for drivers looking to up their discounts. Using your location data, the app tracks driving habits and finds discounts based on those patterns, which can then be applied at your next renewal period.

 


 

Our Take On Elephant Auto Insurance: 3.0 Stars

We rated Elephant Insurance 3.0 out of 5.0 stars. The car insurer offers various plans, additional perks, and available discounts, but its coverage is only available in six states and customer reviews are mixed. Overall, Elephant Insurance is a decent option but only if it's available to you.

Pros Cons

Competitive rates

Only available in six states

Strong financial backing

 

Several discounts available

 

One-year insurance terms

 

If you qualify, we recommend getting a quote to see if you can save money over your current provider. If not, use this tool or call (855) 518-0148 to see what your options are:

 

 


 

 

Top Auto Insurance Providers

While we are happy with the Elephant Insurance coverage, most people don’t live in an eligible state. Because of this, we compared our other top insurance providers to Elephant Insurance below.

  Elephant USAA State Farm Geico

Overall Star Rating

3.0

5.0

4.5

4.5

AM Best Financial Strength Rating

A+

A++

A++

A++

12-month policy

 

 

 

Accident forgiveness

 

Disappearing deductible

 

 

 

Roadside assistance

Rental car coverage

Classic car coverage

 

Usage-based insurance

 

GAP coverage

 

 

USAS Insurance logo

USAA: Best For Military

If you are a military member, veteran, or family member, our team's USAA auto insurance review found that you can save money by using USAA for your insurance needs. The company prides itself on offering low rates to service members and maintains high customer service ratings.

In the J.D. Power 2020 U.S. Auto Insurance StudySM, we see that this company excels above most other companies. Even if you have a spotty history, you can often get a lower rate by going with USAA. We do see a fair amount of complaints with the Better Business Bureau (BBB), but the company appears to resolve problems quickly and is always courteous with the responses.

Geico Insurance logo

Geico: Best Overall

Our Geico auto insurance review rated the company at least 4.5 out of 5.0 in all research categories. The insurer has also received an A+ rating from the BBB and an A++ rating from AM Best. Geico is a strong option for military members and students. It's also the second-largest car insurance company in the U.S.

State Farm Insurance logo

State Farm: Best For Students

Based on our research's team State Farm auto insurance review, we found that State Farm might offer the lowest rate if you have a young driver in the home. In the 2020 U.S. Auto Insurance Study, we see that this company is also one of the top choices. Furthermore, State Farm has an A+ BBB rating, which isn’t easy to achieve.

Among the great customer experience rankings, State Farm provides some standard benefits, such as roadside assistance and rental car coverage. If you have a classic car, you can bundle the policy together with your auto insurance to get a better rate.

 


 

Shop For Insurance Coverage

When the time comes to get a quote, we recommend doing some comparison shopping. You can start with our top providers, including USAA car insurance, State Farm car insurance, Geico car insurance, and Progressive car insurance, and move on from there. By taking a few minutes to compare plans, you ensure that you pick the organization that best suits your needs. It’s often wise to shop rates periodically, even if you are happy with your current coverage. You never know what new discounts and rates will be available to you.

Use our tool below or call (855) 518-0148 to start comparing car insurance quotes:

 

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