Elephant Auto Insurance Review [2023]: Is It Trustworthy?

Elephant Insurance is a company based out of Virginia that offers car insurance, homeowners insurance, life insurance, and more. It’s a relatively new auto insurance provider that offers plenty of discounts and coverage options.

But Elephant car insurance reviews aren’t always good, and you can only get policies in eight states. Let’s dig into our Elephant auto insurance review to see details about what this company has to offer and whether it makes sense for you.

Elephant auto insurance: Is it worth it?

Pros	Cons
Variety of coverage options Loads of available discounts Highly-rated mobile apps A+ BBB rating Bundling offers	Only available in eight states More than the average number of NAIC complaints Many negative BBB customer reviews
Our verdict: As a lesser-known insurance provider that’s owned by a huge U.K. insurer, Elephant has limited availability and more negative customer complaints than many other providers. That said, Elephant also has highly rated mobile apps and a customer-friendly website, as well as a wide variety of coverage options and discounts to choose from.

What is Elephant auto insurance?

Elephant auto insurance is part of Elephant Insurance, a legit insurance company that’s based out of Richmond, Virginia and was founded in 2009. Elephant is a subsidiary of Admiral Group plc, a financial services company based in the U.K. that has more than 7 million customers worldwide.

Elephant is still limited in the U.S., as it only offers car insurance coverage in eight states. But it’s backed up by a large, global company and still has a lot to offer. This includes a variety of auto insurance coverage types and plenty of available discounts.

Elephant auto insurance details

Year founded	2009
Types of coverage	Liability Comprehensive Collision Uninsured/underinsured motorist Medical payments Personal injury protection Loan/lease Rental reimbursement Non-owner Custom parts and equipment Roadside assistance Pet injury Diminishing deductible YourMechanic Legal
Discounts available	Multi-car Multi-policy Claims free Early bird Homeowner Student Work from home Pay in full Paperless account Electronic signature Online quote
Where you can use it	Elephant Insurance website iOS mobile app or Android mobile app
Customer support	Phone: 1-877-218-7865, available Monday-Friday, 8 a.m. to 6 p.m. ET and Saturday, 9 a.m. to 4 p.m. ET Chat: From the Contact page, available Monday-Friday, 8 a.m. to 6 p.m. ET and Saturday, 9 a.m. to 4 p.m. ET Email: customerservice@elephant.com
Availability	Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia

How are Elephant car insurance reviews?

Elephant Insurance has an A+ rating from the Better Business Bureau (BBB). This is the highest possible BBB rating on a scale of F to A+. The BBB doesn’t include customer reviews in its ratings, but other factors, such as unanswered customer complaints and unresolved complaints, are included.

For customer reviews, Elephant has a low 1.14 out of 5 stars on its BBB profile. Many of the reviews mention bad experiences with Elephant’s customer service.

You can also see the National Complaint Index Report for Elephant Insurance on the National Association of Insurance Commissioners (NAIC) website. This shows the total number of complaints for a company in a given year and whether that’s above or below the average number of expected complaints for a company’s size.

Elephant Insurance NAIC 2021 customer complaint details:

• Number of complaints: 13
• Company complaint index score: 1.87 (well above the national average of 1.0)

Based on its score, Elephant had more than the average number of complaints for a company of its size.

We also checked for reviews of Elephant Insurance from J.D. Power and AM Best, but weren’t able to find any available ratings. This is likely due to the fact that Elephant is relatively new in the U.S. auto insurance market.

What insurance does Elephant auto insurance offer?

Elephant offers these coverage options:

• Car insurance
• Homeowners insurance
• Renters insurance
• Condo insurance
• Umbrella insurance
• Motorcycle insurance
• Life insurance

Liability

Liability insurance covers other people and property if you cause an accident. This typically includes bodily injury liability if other people are injured and property damage liability if property is damaged.

Liability coverage is required in most states, but it won’t cover any damages to your own vehicle.

Collision

Collision insurance covers damage to your vehicle that’s caused by a collision with another vehicle or object. This could include running into another car, a telephone pole, or another type of inanimate object.

Collision coverage doesn’t typically cover anything that’s not collision-related, including flood damage or running into an animal.

Comprehensive

Comprehensive insurance covers damage to your vehicle that’s not collision-related. This could include damages from hail, trees, animals, theft, vandalism, floods, fires, and more.

Uninsured/underinsured motorist

Liability coverage is required in most states, but that doesn’t mean every driver has it or has more than the minimum amount. This is where uninsured motorist or underinsured motorist coverage kicks in.

Another driver might not have enough liability insurance to cover your repairs and medical costs, so your uninsured or underinsured motorist insurance can help cover the gap in costs. This coverage could also pay for damages or medical costs if you’re involved in a hit-and-run accident.

Medical payments

Medical payments (MedPay) covers the cost of necessary medical bills for you and any passengers injured in a car accident. You don’t have to be at fault for this coverage to kick in.

Personal injury protection

Personal injury protection (PIP) basically covers the same costs as MedPay, but it can also cover funeral expenses, lost wages, and loss of essential services.

Other car insurance and vehicle-related services

Elephant also offers these other coverages and services in addition to its primary car insurance options:

• Loan/lease: Helps cover the remaining amount of what you owe on a loan or lease if your vehicle is totaled or stolen.
• Rental reimbursement: Provides a rental car while your vehicle is being repaired or replaced through the claims process.
• Non-owner: Offers liability insurance if you don’t own a car.
• Custom parts and equipment: Offers custom parts and equipment coverage for aftermarket items you’ve added to your vehicle.
• Roadside assistance: Offers roadside assistance coverage for services such as towing, battery jump, flat tire replacement, lockout assistance, and more.
• Pet injury: Covers vet bills and other related costs for pets injured during an accident while driving with you.
• Diminishing deductible: Your deductible goes down automatically after certain periods of time without any accidents. Accidents freeze your deductible cost rather than resetting it, so you don’t have to worry about a deductible increasing after an accident.
• YourMechanic: Offers over 600 repair services at a nearby location for you, including your home or office. Available services include oil changes, battery replacements, tire rotations, and more.
• Legal: Covers legal assistance for complicated traffic violations and related situations.
• Upgraded Accident Forgiveness: Accident forgiveness lets you waive one at-fault accident every three years you remain accident-free, but you typically have to wait until you’ve been accident-free on a policy for three years to get this feature.

Elephant auto insurance: How cheap is it?

Elephant auto insurance could be an affordable option if you live in one of the eight states where it’s available. Elephant has plenty of discounts and coverage options, but you can’t know how cheap a policy will be until you get a quote. Your location, type of vehicle, type of coverage, and eligibility for discounts typically affect the cost of an auto insurance policy.

How to find discounts

Auto insurance companies often provide loads of different discounts on their products. Checking to see if you qualify for any discounts is often a quick and easy way to save money on car insurance.

Here are some of the available Elephant auto insurance discounts, including a multi-car discount, multi-policy discount, and different student discounts:

Discount	How to qualify
Multi-car	Insure more than one vehicle at the same address.
Multi-policy	Bundle multiple policies together, such as home and car insurance.
Claims free	Avoid causing an accident for at least five years.
Mature driver	Be over 55 and complete an accident prevention course (in certain states).
Early bird	Switch from another insurance provider five or more days before your current policy expires.
Homeowner	Own a home, including a house or condo.
Good student	Be under 25, a full-time student, and have a GPA of 3.0 or better.
Student away at school	Have a student on your policy that lives at least 100 miles away at school and doesn’t have a car.
Work from home	Work from home rather than commuting to an office or school.
Pay in full	Pay the full premium for your policy upfront.
Paperless account	Agree to receive the majority of policy documents by email.
Electronic signature	Sign policy-related documents using an e-signature.
Online quote	Start your car insurance quote online.

How to maximize savings

Many of the factors that affect car insurance rates are uncontrollable, including how old you are and how long you’ve been able to legally drive. But there are still a few things you can control that might affect your car insurance premiums:

• Having a good credit score: A good credit score could mean paying less on your premiums.
• Finding discounts: Check to see what discounts are available and whether you qualify.
• Being a responsible driver: Fewer accidents typically means lower rates, so having a clean driving record could help you save money.
• Selecting lower coverage limits: Higher coverage limits offer more protection, but it’s also more expensive.
• Avoiding optional coverage and add-ons: Removing surplus services from your policy can help lower its cost.
• Not submitting claims: Consider whether every small event related to your vehicle requires a claim. In some cases, you might be able to get a small dent or scratch fixed yourself and avoid any rate hikes.

How to get an insurance quote from Elephant auto insurance

Are you planning on renewing your coverage or switching car insurance providers? Then it helps to know how to get car insurance. Here’s how to get an insurance quote from Elephant auto insurance:

1. Navigate to Elephant.com and select the “Get a Quote” option.

2. Enter your ZIP code and click the “Start Quote!” button.

3. Fill out required information, including your full name and date of birth.

4. You’ll also need to add your street address and living situation.

5. Include information about the vehicle(s) you want on your policy.

6. Add more personal details, including your gender, marital status, and education level.

7. Enter your email address to receive your quote.

8. Check out your quote, including eligible discounts and your monthly premium. You can also adjust your automatically selected coverage limits to suit your needs.

We went through the online quote process and it took less than five minutes. It was easy, straightforward, and didn’t require extensive information that you wouldn’t likely already have on hand. You can also call Elephant customer service at 1-877-321-2096 if you have any questions.

Elephant auto insurance FAQs

Bottom line

Elephant car insurance provides a variety of discounts and coverage options to make its products more appealing. But Elephant car insurance isn’t yet a household name in the U.S., and its insurance is available only in eight states. This likely makes it tough to compete with huge car insurance companies, including Geico, Liberty Mutual, and State Farm.

Chances are you might not live in a state where Elephant operates. And even if you do, you might be thrown off by the high number of NAIC complaints linked to Elephant Insurance. For more options, use our tool to compare auto insurance rates from major companies and find the best car insurance for you.

Methodology

FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.