insurance car insurance

Elephant Auto Insurance Review [2025]: Unique Coverage + Discounts

Elephant car insurance has competitive discounts and a wide range of coverages, but it's only available in eight states and has higher rates than many auto insurance companies.
Updated May 8, 2025
Fact checked
Our trusted partners
+ MORE

Based out of Richmond, Virginia, and owned by Admiral Group, Elephant offers car insurance, homeowners insurance, life insurance, and more. It's a smaller auto insurance provider that offers plenty of discounts and coverage options, but its average rates are high compared to both national averages and competitor rates, so it wouldn't be the first company I'd recommend for getting the best possible premiums.

Elephant also won't be the right choice for everyone because it only provides car insurance policies in eight states, and its customer reviews and satisfaction are mixed. This Elephant auto insurance review digs into the details about what this company has to offer and whether it makes sense for you.

How we evaluate products

Smart Drivers, Smarter Savings.
Compare car insurance rates in Ohio
See if you qualify for a lower rate in less than 2 minutes
By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Elephant pros and cons

Pros
  • Varied coverage
  • A+ BBB rating
  • Unique discounts
Cons
  • Higher liability-only rates than other companies
  • Only available in eight states
  • Above-average number of NAIC complaints

Where is Elephant auto insurance available?
Elephant provides car insurance policies in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.

How much does Elephant cost?

Compared to national average rates for car insurance, Elephant's liability-only premiums are on the high side for every type of driver I looked at, including people with squeaky-clean records, people with incidents in their histories, teens, and seniors.

But for average full-coverage rates, they're roughly average in some cases and a little below in others. For instance, Elephant offers below-average full-coverage rates for teens, people with tickets or accidents, and seniors, but its typical rates are very close to the average for clean records and DUIs. So whether or not you receive lower car insurance premiums with this company depends not only on how you drive but on what level of coverage you need.

As is typical, Elephant's highest car insurance premiums are for teenagers and people with DUIs. But overall, the car insurer tends to be most competitively priced for people with speeding tickets and seniors, and least competitively priced for people with clean records and DUIs. 

Driver type Elephant liability-only monthly premium Elephant full coverage monthly premium
Clean driving record $130 $197
Speeding ticket on driving record $155 $235
At-fault accident on driving record $164 $249
DUI on driving record $210 $318
Teen driver $217 $328
Senior driver (60s) $96 $145
Senior driver (70s) $94 $142
Data sourced from Insurify

Compare these rates to the national averages covered below to get an idea of where Elephant stands:

Driver type National average liability-only monthly premium National average full coverage monthly premium
Clean driving record $105 $192
Speeding ticket on driving record $141 $265
At-fault accident on driving record $146 $274
DUI on driving record $166 $313
Teen driver $194 $364
Senior driver $85 $160
Data sourced from Insurify

Is Elephant car insurance good?

Company ratings:

  • AM Best: A+ (Admiral Group)
  • J.D. Power claims satisfaction: Not rated
  • BBB: A+
  • NAIC complaints: 0.94 (Private Passenger)

Elephant car insurance receives good or mixed ratings for customer and claims satisfaction, painting an overall positive-leaning picture.

Its National Association of Insurance Commissioners (NAIC) complaint index, a measure of a company's share of complaints with state insurance departments relative to its market share, is 0.94. The national NAIC index is 1.00, so Elephant does just a little better than expected. This is far from the best index I've seen (Farm Bureau takes that particular cake with an index of 0.15), but it's at least not concerning. The company also has the highest possible grade with the Better Business Bureau (BBB), although it does have a fair amount of negative customer reviews there. However, I've found this true of many insurance companies in general.

I also want to point out that the AM Best grade of A+ is for Elephant's parent company, Admiral, not the insurer itself. This means that the rating doesn't directly reflect the financial strength of the subsidiary we're talking about, so take the information with a grain of rock salt.

As a smaller company, I'm not surprised that Elephant wasn't included in J.D. Power's 2024 U.S. Auto Claims Satisfaction Study. This doesn't reflect poorly on the company in and of itself, but it does mean there's a little less information about the insurer's claims.

Get Custom Quotes Today
State Farm Logo
See how much you could save today!
Average Rate:

Drivers who switch their auto insurance and save with State Farm save $764 on average!

Discounts

Elephant's discounts aren't too shabby. In fact, the company claims you can save as much as 40% with discounts, which is more than respectable compared to what other companies offer. How much you can save on car insurance varies with each discount — for example, you might only save an average of 3% by getting a quote online, but you could save as much as 18% on average by signing up for e-signature communications.

I want to note that while Elephant provides a lot of discounts, it doesn't provide the same discounts as other insurers and instead offers some unique ones. For example, it gives an early shopping discount of up to 10% that you may qualify for if you're switching from another car insurance company at least five days before your current policy is set to expire. Another unusual one is its Work From Home Discount, which you might be eligible for if you work some or all the time from home. It applies to both full-time employees and students, and your savings are based on the number of days you work from home.

Here's a complete list of Elephant's available car insurance discounts.

Discount Does Elephant have it? Allstate Farmers
Loyalty No No Yes
Multi-policy/bundling Yes Yes Yes
Multiple vehicle Yes No Yes
Airbag No No Yes
Anti-lock brakes No Yes Yes
Anti-theft No Yes Yes
Safe driver Yes Yes Yes
Good student Yes Yes Yes
Away-from-home student No Yes Yes
New car No Yes No
Pay in full Yes Yes Yes
Automatic payments No Yes Yes
GAP insurance No No No
Senior No No No
Military No No Yes
Defensive driving course No No Yes

Coverage

Elephant offers more than just your standard auto insurance policies, and this is, in my opinion, where it shines most. Some of the company's more uncommon coverages include pet injury protection, custom parts coverage, and rental car reimbursement. In addition to policies for standard vehicles, the insurer sells motorcycle and ATV policies.

It also provides coverages that are not necessarily uncommon but not standard, like a diminishing deductible and roadside assistance. Elephant's "upgraded accident forgiveness" lets you take advantage of accident forgiveness benefits regardless of how long you've gone without an accident. And while Elephant doesn't offer GAP insurance, it does offer loan/lease payoff coverage that may cover up to 25% of your car's cash value if it's stolen or totaled while you're still paying it off.

Here are all the coverage options and add-ons available with Elephant auto insurance:

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

Average rate:

Elephant vs. competitors

Elephant is a pretty small car insurance company, with just 0.08% market share of total U.S. car insurance premiums (this makes it the 75th-largest company). That's why it isn't in our handy table comparing prices across the most popular auto insurers.

That said, Elephant would probably be near the national average. Its typical rates are often less expensive than Liberty Mutual's for liability or full coverage, but Farmers beats it on liability-only rates.

Company name Average monthly full coverage Average monthly liability-only coverage
USAA $99 $46
GEICO $118 $55
State Farm $119 $55
Allstate $132 $62
Progressive $148 $101
American Family $157 $72
Nationwide $181 $85
Travelers $191 $90
National average $199 $105
Farmers $236 $110
Liberty Mutual $250 $169
Data sourced from Insurify

Let's take a closer look at how Elephant compares to Allstate, a much larger insurer known for offering a variety of insurance coverages, and Farmers, a company with fairly comparable rates to Elephant.

Elephant vs. Allstate

Elephant's rates are, on average, quite a bit higher than Allstate's. Allstate's premiums for both full- and liability-only coverage are generally below the national averages, but Elephant only beats the average for full coverage, and not by as wide a margin as Allstate.

It won't hurt to get quotes from both if you're comparing the two, but Allstate is likely going to come out on top when you look at prices side-by-side (although Elephant may provide more discounts). Allstate car insurance is also available in all 50 states, unlike Elephant, and the company has high customer and claims satisfaction across the board.

Elephant vs. Farmers

Elephant and Farmers auto insurance are fairly similar in terms of their prices, and the two are also alike because they provide a wide variety of car insurance discounts. But Farmers' average rates are higher than Elephant's for full-coverage insurance, while Elephant's rates are higher for liability-only coverage.

If you know you need a liability policy and are interested in both companies, I'd recommend getting a quote from Farmers. But if you want full coverage, Elephant may be the most cost-effective choice.

FAQs 

How do I contact Elephant?

You can get help from an Elephant representative over the phone, via live chat, or through email. For phone support, call (877) 218-7865 Monday through Friday between 8 a.m. and 6 p.m. ET. The company used to provide support on Saturdays, but it no longer offers weekend hours. Use customerservice@elephant.com to reach out via email.

What company owns Elephant auto insurance?

Elephant is owned by Admiral Group, an international insurance company based in the U.K. that was founded in 1993. It operates a number of subbrands aside from Elephant, including Apparent Insurance, based in Texas, and subsidiaries in France, Italy, Spain, and the U.K.

Is Elephant auto insurance legit?

Yes, Elephant auto insurance is legitimate and trustworthy. Its parent company, Admiral Group, receives high ratings from independent review agencies such as AM Best, and the Elephant brand has fewer complaints than the average with the NAIC and a very impressive Trustpilot rating of 4.4 out of 5 stars.

Smart Drivers, Smarter Savings
Ohio: Say Goodbye to High Auto Insurance Rates if You Live in These Zip Codes
See if you qualify for a lower rate in less than 2 minutes
Start Saving

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy


Bottom line

Elephant's auto insurance rates aren't very competitive with prices from the best car insurance companies, but the smaller insurer does provide a range of attractive discounts. It also offers a couple of optional coverage choices that might appeal to some drivers enough to look past the insurer's shortcomings, but just keep in mind that this company only issues auto insurance policies in eight states.

Whether or not Elephant is right for you, assuming you live in an eligible state, depends on what rates you can qualify for and what coverage you need. I suggest getting a quote if you like what you've seen in this review, but remember to do this online (which tends to be easiest, anyway) to potentially qualify for a discount if you do decide to go with this insurer.

Save On Your Auto Insurance
  • You could save up to $600 with some companies.
  • Compare dozens of providers in under 5 minutes.
  • Fast, free, and easy way to shop for insurance.
  • Quickly find the perfect rate for you.

Average rate: