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Elephant Auto Insurance Reviews
We give Elephant a score of 8.2 stars out of 10 for its extremely affordable rates but limited availability and mixed reviews from customers.
Elephant Auto Insurance Pros And Cons
Below are the pros and cons of Elephant Auto Insurance:
Offers add-on coverage for custom parts as well as 11 additional options
Coverage is only available in eight states
How We Rated Elephant Auto Insurance
We rated each company we reviewed using five key metrics: cost, coverage, reputation, customer experience, and availability. You can see how Elephant Auto scores for each category below.
| Overall Rating | 8.2 |
|---|---|
| Reputation | 7.5 |
| Availability | 7.3 |
| Coverage | 8.4 |
| Cost | 9 |
| Customer Experience | 8 |
Is Elephant Auto Insurance Good?
Elephant Insurance has been in business since 2009 and is headquartered just outside of Richmond in Henrico, Va. The company typically offers cost-effective rates to its policyholders and a wide range of discount opportunities.
In addition to Elephant auto insurance, customers can bundle their policies with homeowners insurance, renters insurance, motorcycle coverage, life insurance and umbrella coverage. Those who buy multiple coverages from Elephant may receive a multi-policy discount on their insurance premiums.
Elephant Auto Insurance Ratings
Elephant Insurance receives an average of 4.1 stars out of 5 on Google from over 3,500 reviews. It has an A+ rating and accreditation from the Better Business Bureau (AAA), but customers on the platform have given it an average score of 1.2 out of 5 stars. While this is a low score, only 64 customers have left reviews at the time of this review, which is a very small percentage of Elephant’s base, and may not be representative of the company’s service.
We reached out to Elephant for a comment on its low scores, but haven’t received a response.Â
Customer Reviews
Drivers commonly praise Elephant auto insurance for its extremely competitive rates, though some drivers speak of steep price increases over time. It’s smart to regularly compare car insurance rates to make it easier to determine the best prices for insuring your vehicle.
There are also checkered reviews of the claims process from Elephant Insurance. Common critiques include the company’s refusal to cover certain car repairs and some issues with inefficient and hard-to-reach insurance agents.
Elephant Insurance reviews seem to indicate that motorists have hit-or-miss experiences when working with the provider. While some believe Elephant is worth it for the discount rates, many prefer the peace of mind that comes from a more established insurance provider.
Our team reached out to Elephant Insurance for a comment on its customer service and claims satisfaction scores but did not receive a response.
Elephant Auto Insurance Pricing and Discounts
Motorists often pick Elephant coverage in hopes of finding cheap car insurance. Generally, the company’s rates are lower than the competition, though this depends on the driver. To get a rough estimate of what you might pay with Elephant, see the table below for average car insurance costs in each of the states Elephant serves based on our rate data.
| State | Full-Coverage Costs | Minimum-Coverage Costs |
|---|---|---|
| Georgia | $242 per month, $2,907 per year |
$105 per month, $1,256 per year |
| Illinois | $254 per month, $3,054 per year |
$69 per month, $823 per year |
| Indiana | $162 per month, $1,949 per year |
$46 per month, $557 per year |
| Maryland | $245 per month, $2,943 per year |
$105 per month, $1,261 per year |
| Ohio | $138 per month, $1,660 per year |
$43 per month, $511 per year |
| Tennessee | $186 per month, $2,237 per year |
$59 per month, $707 per year |
| Texas | $263 per month, $3,156 per year |
$80 per month, $960 per year |
| Virginia | $173 per month, $2,070 per year |
$61 per month, $726 per year |
Elephant Auto Insurance Discounts
Younger drivers and those with accidents or tickets on their records often have issues finding affordable car insurance rates. You may be able to reduce your costs considerably through the car insurance discounts offered by Elephant. Below are a few of the most common:
| Elephant Auto Insurance Discount | Details |
|---|---|
| Good student discount | Elephant insurance offers considerable discounts for high school and college students who maintain at least a B average in their classes. |
| Multi-car discount | If you insure more than one vehicle with Elephant, you’ll get a discount on your premium. |
| Responsible driver discount | If you’ve been accident-free for five years, you’ll receive reduced rates. |
| Mature driver discount | Drivers over 55 or 60 (depending on the state) can take an accident prevention course and receive a discount. |
| Multi-policy discount | Get a bundling discount if you combine auto insurance policies with other coverages, such as life or homeowners insurance. |
| Early bird discount | You can save up to 10% if you switch to Elephant from a different insurer at least five days before your current policy expires. |
| Online quote discount | You’ll save 3% on Elephant auto insurance if you set your policy up online. |
| Electronic signature discount | Get an 18%Â discount if you use an electronic signature for your documents. |
| Paperless account discount | In addition to helping the environment, you’ll save 3% on your premium if you choose paperless billing. |
| Pay in full discount | Elephant offers lowered rates (between 8% and 15% off) for those who choose to pay up front for an entire year. |
| Automatic payment discount | Save money on your car insurance — and avoid late payments — by setting up automatic payments. |
| Student away at school discount | Pay lower car insurance prices for students who leave their cars at home and attend school at least 100 miles away. |
| Homeowner discount | Elephant auto insurance comes with a discount if you own and insure your home. |
| Work from home discount | If you work from home and spend less time on the road, you’ll get discounted premiums. |
Since Elephant auto insurance is known for its wide variety of discounts, it’s worth checking with the company about further savings. The easiest way to discover if you qualify for discounts is to get free car insurance quotes online.
Factors that Affect Car Insurance Rates
Like nearly every auto insurance provider, Elephant uses personal details and information about your vehicle when determining your premium. Here are some of the factors that can affect the cost of Elephant auto insurance:
- Location: Rates vary across state lines, but prices are also generally lower in rural regions than in cities in the same state.
- Driving history: Drivers with clean driving records will see the lowest rates. Those with at-fault accidents, tickets or moving violations will likely pay more for car insurance.
- Coverage: Prices will vary based on your desired types and amounts of auto insurance. A minimum coverage policy usually costs substantially less than one with extensive protection.
- Vehicle type: Insurance companies set different rates for each car model, with luxury vehicles and sports cars typically costing the most to insure since they’re more expensive to repair and replace.
- Age: Younger drivers are statistically more likely to be involved in accidents, so they almost always pay higher rates for auto insurance.
- Credit history: You’ll get lower car insurance premiums if your credit history shows that you pay bills on time and are in good financial standing.
Drivers who have avoided speeding tickets, DUI violations and at-fault accidents will find Elephant auto insurance’s most competitive pricing. It’s also possible to find lower rates if you maintain a strong credit score or opt for a lower amount of car insurance coverage.Â
Keep in mind, however, that the less coverage you purchase, the less financially protected you’ll be in the event of an accident. Carefully consider your risk tolerance and budget before opting for less coverage.Â
Elephant Auto Insurance Coverage
Elephant auto insurance comes with the standard types of car insurance offered by nearly all providers. We’ll list the six most basic types of coverage below:
Additional Coverage Options
You’ll also find a few less common coverage types through Elephant auto insurance. Not every add-on is necessary for each Elephant auto insurance policy, so carefully research these coverage choices before adding them.
Elephant Auto Insurance Coverage
Roadside assistance: You’ll receive roadside assistance coverage and towing services through Agero.
Rental reimbursement: This coverage pays for rental cars when you need one after an accident.
Upgraded accident forgiveness: All Elephant auto insurance policies add accident forgiveness after three years, but this add-on starts it immediately.
Loan/lease payoff: This compensates up to 25% of the amount left on your loan or lease if your vehicle is totaled in a covered accident.
Custom parts and equipment coverage: In the event of an accident, Elephant auto insurance will cover fixes to upgrades or modifications you’ve made to your vehicle.
Diminishing deductible: This option rewards safe driving practices by lowering your deductible for each year you go without an accident.A
Non-owner car insurance: If you regularly borrow others’ cars or use car-sharing services, this option covers damages if you get in an accident.
At-home mechanic services: This option lets drivers book repairs and routine maintenance services online at discounted rates through YourMechanic.
Pet injury coverage: This coverage, which is included in collision coverage, will pay up to $1,000 in veterinary bills if your pet is injured in a car accident.
Legal coverage: Drivers gain significant discounts on certain legal services.
Elephant Car Insurance AvailabilityÂ
Elephant Insurance has relatively slim availability, with only those drivers who live in these states able to get coverage:
Elephant Homeowners Insurance and Other Coverage Types
You’ll be able to bundle multiple insurance options with your car coverage if you’re looking to reduce your rates with Elephant. The company can provide the following types of insurance:
While insurance customers pay more for additional coverage types, these options typically come cheaper when they’re bundled together. Regardless of which insurance provider drivers select, it’s recommended to purchase most insurance products from one company.
Elephant Car Insurance Review: The Bottom Line
We give Elephant auto insurance 8.2 stars out of 10 for its expansive coverage choices and discounts. The company doesn’t receive the strongest scores from Elephant customers, though, and it’s only available in eight states.
It’s good to compare quotes from car insurance providers before selecting one to cover your vehicle. That way, you’ll be able to learn whether Elephant auto insurance is best for your needs or if it may be better to pick another provider.
Other Options for Car Insurance
Elephant auto insurance may be a good choice for drivers searching for cheap coverage, but it’s far from the only option. It’s best to consider multiple car insurance options before settling on one, as it could lead to more competitive rates.
Travelers: Best for Most Drivers
Those looking for affordable rates and a variety of coverage options from an established car insurance provider should check out coverage from Travelers. The company received an A BBB rating and has an A++ financial strength rating from AM Best.
Keep reading: Travelers Insurance Review
USAA: Best for Military Members
USAA offers affordable rates and excellent service to active and retired military members and their families, earning it our Best for Military award. The insurance provider received an above average score in every region of the U.S. in the J.D. Power 2024 U.S. Auto Insurance StudySM.
Keep reading: USAA Insurance Review
Elephant Car Insurance Reviews: FAQ
Below are commonly asked questions about Elephant auto insurance:Â
Yes, Elephant Insurance is a real insurance company and has been providing coverage to customers since 2009. The company has an A+ rating from the BBB and has been accredited by the organization since 2015.
Elephant Insurance earns 8.2 stars out of 10 from our review team for its extensive coverage and low prices. On the other hand, it has checkered customer service scores and mixed rates of claims satisfaction.
Elephant auto insurance is a subsidiary of Admiral Group PLC. This parent company is one of the United Kingdom’s biggest insurance providers.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
Alice J. Roden started working for Trending Insurance News at the end of 2021. Alice grew up in Salt Lake City, UT. A writer with a vast insurance industry background Alice has help with several of the biggest insurance companies. Before joining Trending Insurance News, Alice briefly worked as a freelance journalist for several radio stations. She covers home, renters and other property insurance stories.