Elephant Auto Insurance Review: Costs and Ratings (2023)

While shopping for car insurance online, you might come across Elephant Insurance. Elephant offers many discounts to help drivers potentially save on their premiums. It could be a good fit if you qualify for discounts and live in a state where it’s available. Here’s what you need to know about Elephant car insurance reviews, discounts, quotes, and more.

What is Elephant car insurance?

Elephant Insurance formed in 2009 and is a subsidiary of Admiral Group, PLC. Elephant sells many insurance products, including car, off-road vehicle, homeowners, renters, motorcycle, and life insurance.

However, Elephant’s insurance policies are only available in eight U.S. States: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

How does Elephant auto insurance work?

Elephant Insurance makes money by selling auto and other types of insurance directly to consumers. In exchange for customers paying a premium, Elephant pays out claims for covered events, such as a collision or theft. When a customer files a claim with Elephant, they pay a deductible up front. Then Elephant covers the rest, up to a policy limit. Elephant considers many factors when calculating your premiums, such as your driving history, the number of claims you’ve made in the past three years, and whether you qualify for specific discounts.

Elephant car insurance coverage

Elephant offers a variety of auto insurance coverages, including:

• Bodily injury liability coverage: If you or someone else on your policy causes bodily injury or death to another person, this coverage helps pay for their accident-related costs, such as medical bills and lost wages.

• Property damage liability coverage: If your vehicle damages another person’s property, this coverage helps pay for repairs. In addition, it helps cover your legal expenses if someone sues you.

• Comprehensive coverage: Comprehensive coverage protects you against several non-collision events, such as fires, theft, and falling objects.

• Collision coverage: This coverage helps pay for damages to your vehicle after an accident with another car or an inanimate object.

• Underinsured/uninsured motorist coverage: If someone without insurance or without enough insurance damages your vehicle or injures you, this coverage helps make up the difference.

• MedPay coverage: This coverage pays for your or your passengers’ medical bills that occur from injuries related to an accident.

• Personal injury protection (PIP) coverage: Similar to MedPay, this coverage is for accident-related medical bills. In addition, it may cover lost wages, depending on what state you live in.

• Rental car coverage: If your vehicle is undrivable after filing a comprehensive or collision claim, this coverage will help you pay for a rental vehicle while your car is fixed.

• Non-owner auto coverage: If you don’t own a car but often rent or borrow them, this coverage can help pay for bodily injury or property damage you cause if the primary car owner’s insurance doesn’t cover all damages.

• Custom parts and equipment coverage: This coverage helps protect your custom parts and equipment, including after-market paint jobs, tinted windows, and sound systems.

• Loan/lease coverage: if you’re financing or leasing your vehicle and it gets stolen or totaled, this coverage helps cover up to 25% of the car’s actual cash value.

• Rideshare coverage: This coverage protects your vehicle after you turn a rideshare app on and you’re waiting to accept a ride.

How to get an Elephant car insurance quote

You can request an online quote from Elephant by visiting its homepage and clicking “Get a Quote” in the top right corner. If you need help completing your quote or have questions, contact Elephant at 1-877-321-2096.

Since rates and coverages vary, it’s best to compare quotes from multiple insurers. You can use a quote-comparison platform like Insurify to compare Elephant insurance with other insurance providers all in one place.

Check Out: The 10 Best Car Insurance Companies

Elephant car insurance cost by state

Car insurance prices and coverage requirements vary based on where you live. Below is a breakdown of the average cost of an Elephant car insurance policy by state:

Elephant auto insurance rates by driving history

Elephant reviews your driving history when calculating the cost of your policy. If you have a clean driving record, you’ll likely pay a lower rate than someone with a traffic violation on their record, such as speeding tickets, at-fault accidents, or DUI.^[1]

Elephant car insurance cost by age

Generally speaking, older drivers have fewer accidents than younger drivers. As a result, insurers often charge teenagers and drivers younger than 25 a higher rate than older drivers.^[1]

For example, the data below shows that the average Elephant monthly rate for 18-year-old drivers is $281. The average monthly rate for 30-year-old drivers is $163. 

See Also: Compare Car Insurance by Age and Gender

Elephant car insurance discounts

Elephant offers several discounts, which can help you reduce auto insurance costs. Here are some of the discounts it offers:

• Multi-car discount: Get a discount on auto insurance for insuring more than one car in your household with Elephant.

• Claims-free discount: You may receive an automatic discount if you haven’t had an at-fault accident in the past five years.

• Homeowner discount: If you own a condo or a house, you’ll save money on your Elephant car insurance premiums.

• Pay-in-full discount: Paying your policy in full up front can potentially lower your car insurance costs by an average of 8% to 15%.

• Work-from-home discount: You can qualify for this discount if you or your spouse works from home.

• Autopay discount: If you enroll in automatic payments, you can be eligible for a discount.

• Early bird discount: You can save an average of 10% if you switch to Elephant from another insurer five days or more before your existing policy expires.

• Paperless discount: You can receive an average discount of 3% if you opt to receive most of your Elephant Insurance documents electronically.

• Online quote discount: You can qualify for an average discount of 3% for starting your quote online before purchasing Elephant auto insurance.

• Good student discount: You can save money on your policy if you’re a single student younger than 25 who earns a B average or higher.

Elephant Insurance bundling options

Elephant Insurance also offers renters and homeowners insurance. If you purchase one of those coverages with an auto insurance policy from Elephant, you’ll receive a discount. Plus, you can get a discount for getting off-road vehicle or motorcycle coverage from one of Elephant’s preferred partners.

Elephant Insurance reviews and ratings

Elephant has a mixture of positive and negative reviews. But on some websites like Trustpilot, reviews tend to be more negative. Here are some recent customer reviews:

Elephant Insurance customer reviews

Elephant Insurance ratings

Here’s a look at how some review websites rate Elephant Insurance:

• WalletHub: 4.2 out of 5 stars based on 3,208 reviews

• Trustpilot: 1.9 out of 5 stars based on 28 reviews

• Better Business Bureau: A+ rating; 1.11 out of 5 stars based on 35 customer reviews

Elephant Insurance vs. other auto insurance providers

Many companies offer car insurance, but exploring your options can be beneficial. Here’s a look at how some other car insurance companies compare to Elephant.

Elephant vs. Allstate

Allstate is available nationwide and has offered insurance policies for almost 100 years. It’s one of the largest insurance companies by market share^[2] and underwrites policies for car insurance, motorcycle insurance, snowmobile insurance, off-road vehicle insurance, and more.

Allstate and Elephant have many similar advertised discounts, but Allstate offers a few more options, like coverage for trips to Mexico and classic car coverage. But the two insurance companies have very similar average monthly rates, according to Insurify data. Elephant’s monthly average premium quotes are $193 for full coverage and $142 for liability-only coverage, while Allstate’s averages are $212 a month for full coverage and $146 for liability-only coverage.

Elephant vs. Progressive

Progressive is also one of the largest auto insurance companies in the U.S. by market share.^[2] Like Elephant, Progressive offers a wide variety of discounts.

But one discount Progressive offers that Elephant doesn’t is a teen driver discount. If you have a driver who’s 18 years old or younger on your policy, you can qualify for a discount if they’ve had at least 12 months of continuous coverage.

Progressive’s average monthly auto insurance rate for full coverage is $238 — $45 higher than Elephant’s average rate.

Elephant vs. State Farm

State Farm is another large insurance company that offers car insurance across the U.S. State Farm provides many of the same coverage options and discounts as Elephant.

But unlike Elephant, State Farm offers travel expenses coverage. This coverage helps pay for many travel expenses, such as meals and lodging, if your car breaks down 50 miles or more from your home.

State Farm’s average monthly auto insurance rate for full coverage is $175, which is $18 cheaper than Elephant’s average full-coverage rate.

Elephant Insurance pros and cons

Like all insurance providers, Elephant Insurance has its share of pros and cons. Here are some to consider:

Filing an auto insurance claim with Elephant Insurance

When you file a claim, you request payment from your insurer for damages to your vehicle or other covered events. You can file a claim with Elephant online or by phone. Filling out a claims form requires details and proof about the incident, such as photos, videos, or a police report.

Elephant allows you to send photos of your vehicle damage via its Claims Photo App. Once you file a claim, an Elephant claims rep should reach out and walk you through the next steps of the process. You can check the status of your claim online or by phone.

Learn More: Why Do Car Insurance Companies Deny Claims?

Elephant Insurance FAQs

Here are answers to some frequently asked questions about Elephant Insurance.