How Much Does Elephant Car Insurance Cost?

Choosing a car insurance provider can be challenging. If you're considering Elephant, reviewing its pricing structure will help you determine if it's the best fit for your needs. However, we recommend gathering quotes from several providers to ensure you're getting the best value and maximizing your savings on car insurance.

Elephant car insurance pricing per month

For a full-coverage car insurance policy from Elephant, the average monthly cost is $181. Drivers who choose minimum liability-only coverage will pay an average of $119 per month.

Keep in mind these are average figures. Your individual rate will depend on various factors including age, location, credit score, and driving history. While your actual Elephant rate may be different, these averages provide a useful benchmark for comparing providers.

	Elephant average monthly cost	National average monthly cost
Full coverage	$181	$186
Liability-only	$119	$104

Elephant's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which can affect pricing. Comparing quotes is worthwhile to understand how Elephant measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$115	$59
Progressive	$177	$101
GEICO	$150	$92
Allstate	$150	$79
USAA	$106	$56
Elephant	$181	$119

Elephant's rates by age

Age plays a major role in Elephant's pricing, as it does with most insurers. Car insurance for teen drivers carries the highest cost, with full-coverage premiums averaging $304 per month.

Rates generally decrease as you enter your 20s, with Elephant averaging $215. Premiums continue declining through your 30s to an average of $183, and further into your 40s at $169.

The lowest rates often go to drivers in their 50s and 60s, with monthly averages of approximately $156 and $145, respectively.

Once you reach your 70s, premiums typically increase again to around $151 per month. These patterns demonstrate how insurers evaluate risk across different life stages.

Age group	Elephant average monthly full coverage cost	National average monthly cost
Teens	$304	$359
20s	$215	$242
30s	$183	$199
40s	$169	$191
50s	$156	$177
60s	$145	$159
70s	$151	$163

Elephant's rates for high-risk drivers

A history of traffic violations or accidents will typically result in higher car insurance rates with Elephant. High-risk drivers with a speeding ticket face average monthly costs of $205, while an at-fault accident brings rates to approximately $232.

DUI convictions result in particularly high premiums, averaging around $265 per month. While these numbers reflect typical costs for high-risk drivers, your actual rate will vary based on when the incident occurred and other individual rating factors.

Driving record	Elephant average monthly full coverage cost	National average monthly cost
Accident	$232	$248
Speeding ticket	$205	$242
DUI	$265	$274

How does your credit score affect your rate with Elephant?

Most states allow insurers to use credit scores when calculating rates. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit-based pricing is permitted, Elephant adjusts premiums according to your credit tier. Drivers with excellent credit average $159 per month, while good credit results in slightly elevated rates of about $174.

Monthly premiums for average credit sit around $186, and poor credit leads to average costs near $220 per month.

These figures illustrate how significantly credit can impact your monthly premium, though your final rate will also reflect other personal factors.

Credit score	Elephant average monthly cost of full coverage	National average monthly cost
Excellent	$159	$163
Good	$174	$180
Average	$186	$194
Poor	$220	$227

FAQs

Is Elephant available in my state?

Elephant Insurance currently operates in only eight states across the Midwest and South: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia. The company was founded in 2009 as a subsidiary of the UK-based Admiral Group, and has gradually expanded its footprint, though it remains focused on these select markets rather than offering nationwide service like larger competitors.

Can bundling policies with Elephant save me money?

Elephant offers bundling discounts for customers who combine auto insurance with other coverage types, though some policies are underwritten through partner companies rather than Elephant directly. You could save up to 12% when you bundle auto with home insurance and up to 4% when bundling auto with life insurance, even if those policies are issued by Elephant's partner insurers like Lemonade for property coverage or other partners for life insurance.

What makes Elephant Insurance different from other car insurance companies?

Elephant Insurance sets itself apart through several unique features that reflect its tech-forward approach and value for safe drivers. The company automatically includes pet injury coverage up to $1,000 in collision policies at no extra charge, which is uncommon among insurers. Additionally, their work-from-home discount recognizes that remote workers drive less frequently and might qualify for lower premiums based on reduced mileage and exposure to accident risk.

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Bottom line

Is Elephant the right car insurance company for you? Your best approach is to collect quotes from Elephant and other providers, then evaluate them based on both price and service.

Data throughout provided by Insurify.

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