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Elephant Car Insurance Review

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Elephant Insurance Company is a remarkable provider of both affordable premiums and comprehensive protection despite having been in business for only a little more than a decade and serving a total of only eight states.

Pros and Cons

Pros Cons
Provides a wide range of discounts to customers. Available in eight states only.
Coverage for legal assistance is provided. Significantly more customer complaints than their competitors
Can combine auto insurance with other policies that aren't from Elephant.  
Good for pet owners.  

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Elephant Auto Insurance Coverages

Elephant offers a wide variety of commercial and personal coverages.

Basic Coverage Options Available:

  • Liability coverage
  • Medical payments
  • Collision coverage
  • Comprehensive coverage
  • Uninsured motorist coverage
  • Commercial auto insurance
  • General liability insurance

Extra options and liability limits are what separate insurance plans from one another. Elephant's insurance policies can be supplemented with the following add-ons and enhancements.

Benefit Details
Legal Assistance Coverage Monthly premiums for this additional protection start at only five dollars. You'll be able to get aid paying for things like estate planning, family law, traffic tickets, and more with this plan.
Diminishing Deductible With collision insurance, you have the option of adding this feature. For every year you go without an accident, Elephant gives you a $100 discount on your collision deductible. Towards the end of the promotion, the discount will be limited to $500. Deductibles for accidents stay where they are and continue to drop each year you go without a collision.
Roadside Assistance Roadside help is now possible thanks to a collaboration between Elephant and Customers may keep tabs on the status of their support requests in real time.
Accident Forgiveness After a few years of coverage, Elephant offers accident forgiveness to all customers, ensuring that premiums won't increase in the event of an accident.
Rental Reimbursement The vehicle is not drivable for more than 24 hours owing to a loss covered by Collision or Comprehensive, and Elephant auto provides coverage for a rental car. For a total loss, you'll get an additional three days of coverage.
YourMechanic Discounted repair services can be booked online. Maintenance like brake and oil changes are included, and you may arrange for the service expert to come to your house or office while your car is still parked.
Pet Injury Coverage In the event of an accident, this insurance will cover your pet's medical expenses up to a maximum of $1,000.
Rental Reimbursement If you need to rent a car while your automobile is being repaired because of a comprehensive or accident claim, this coverage will pay for it.
Loan/Lease Payoff If your automobile is totaled in an accident, you can get up to a quarter of the outstanding balance on your lease waived.
Non-owner Car Insurance Drivers who don't own a car but frequently use car-sharing services or other people's vehicles are protected from bodily injury and property damage responsibility under this policy.
Custom Parts and Equipment Coverage Insures any additional parts that you purchase for your vehicle that are not covered by your basic automobile insurance policy.
  • Elephant auto insurance policies are currently only available in eight states: Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, Virginia, and Georgia.
  • To understand more, check out types of auto insurance coverage in the US.

Elephant Auto Insurance Rates

Coverage Type Annual Rates
Basic coverage $1,720

Elephant Auto Insurance Discounts

Discounts based on your policy

  • Bundling: Get a multi-policy discount by bundling your auto with homeowners, renters, or motorcycle insurance.
  • Online quote: Get your quote online on Elephant’s website to get an immediate 12% off your rate.
  • Pay-in-full: Pay your annual premium in one lump sum to save some money - and you're good for the year.
  • Go paperless: Elephant customers who opt-out of paper bills get up to 3% off per insured vehicle.
  • E-signature: Enroll in your policy with your electronic signature to qualify for a small discount.

Discounts based on the driver or vehicle

  • Multi-car: Insure more than one vehicle on your policy to get up to 20% off your premium.
  • Good driver: Elephant rewards responsible drivers with up to 10% off if you have a good driving record and have been accident-free for five years.
  • Good student: If you're a full-time student between ages 16 and 25 with at least a "B" average, you're eligible for a good student discount.
  • Homeowner: If you own your home you can save money on your Elephant policy.
  • Work from home: Home-based workers- who find themselves driving less due to not having to go into the office - are offered a discount from Elephant.

Elephant Complaints and Customer Satisfaction

Automobile insurance quotes and policies can be obtained and purchased through Elephant's website, or by calling the company's customer service department. Licensed insurance agents are also on hand to answer questions about car insurance policies over the phone.

The insurance company's product offerings, pricing, communications, and customer interactions were evaluated and ranked by J.D. Power 2020 Auto Claims Satisfaction Study. The insurance-specific credit rating agency, AM Best, has not given a rating to either Elephant or Admiral Group.

Elephant's private passenger insurance complaint ratio was 1.62 in 2020, according to the National Association of Insurance Commissioners (NAIC). Claims processing delays and unsatisfactory offers were the most common reasons for complaints.

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Way Summary

Elephant, on the other hand, provides convenient online quotes and substantial savings. When it comes to online insurance quotes and policy purchases, Elephant Insurance offers a number of interesting extra coverages. If you want to deal with an insurance agent in person, you're better off going with another company that has a better reputation for customer service and has local insurance agents. Before signing on the dotted line for a car insurance policy, shop around for the best quotes.

About Elephant Car Insurance

A subsidiary of Admiral Group plc, a major insurance company in the United Kingdom, Elephant Insurance was founded in 2009. It currently serves eight states in the United States, namely Texas, Virginia, Maryland, Indiana, Tennessee, Illinois, Ohio, and the state of Georgia. An independent insurance agent will not be able to provide you with the personal touch that an Elephant representative can.

With Elephant, you can also get homeowners and renters insurance to protect your residence. Several third-party providers are used by Elephant to sell additional insurance products. Bundling discounts are still available if you purchase Elephant insurance along with coverage from one of these partners. Elephant's insurance partners offer a variety of policies, including:

  • Condo insurance, through Homesite
  • Motorcycle insurance, through Dairyland
  • Life insurance, through LifeDirect
  • Umbrella insurance, through RLI

Contact details

  • Claim Phone Number - 844-937-5353

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

How good is Elephant car insurance?

Yes, it is. Only eight states are covered by the insurer, and its customer reviews are mixed. As a whole, Elephant Insurance is a respectable choice—but only if you have access to it.

Does Elephant insurance cover rental cars?

Yes. Your personal vehicle and a rental car can be covered by an Elephant insurance plan. Rental car insurance is available through Elephant Insurance in addition to the basic package.

How to cancel elephant car insurance?

You can use your Elephant online account to manage your auto insurance policy, such as when you switch cars or change your payment method at renewal time. Whenever you decide not to renew your subscription and cancel it, you must contact customer service at (877) 321-2095. Your Elephant car insurance policy can't be cancelled through your online account.

Do Elephant do multi car insurance?

Yes. With an Elephant Multi Car discount, you could save money on your car insurance if you own more than one vehicle.

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