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Elephant Insurance Reviews

Our reviews team rates Elephant Insurance 3.8 out of 5.0 stars for its competitive rates and wide array of coverage options.

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09/21/2023 08:23 PM

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Elephant Insurance charges some of the market’s cheapest rates and has a variety of coverage types available, but it also has three times more complaints than the industry average. In our study of the United States’ best car insurance companies, we found that Elephant auto insurance can be a good choice for some drivers.

In this review, we will be highlighting Elephant car insurance reviews, our rating of the company’s services, and a detailed description of their auto insurance policy cost and coverage.

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Elephant Car Insurance Customer Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 116
Trustpilot rating: 2.1 / 5.0

Elephant car insurance reviews are mixed on online customer rating sites. Elephant auto insurance earns a solid 4.2 stars out of 5.0 on Google, but only 1.2 out of 5.0 stars from the BBB. From Elephant Insurance reviews, it appears that customers are impressed with Elephant auto insurance until they file a claim. Unfortunately, the claims process is one of the most critical pieces of having auto insurance. Below we highlight some positive reviews and complaints about Elephant’s services.

Positive Elephant Car Insurance Reviews

Many reviewers praise Elephant Insurance for offering reasonable premiums and for the care and helpfulness of its agents.

“I have been an Elephant customer for several years and I have had great coverage at affordable rates. Customer service has always been prompt and efficient.”

 – Robyn J. via Google

“The entire process was simple, smooth, direct, and professional. They were there for me in all aspects. If you’re looking for an insurance company that cares for its clients Elephant has been the best one by far.”

– Timothy T. via Google

Elephant Car Insurance Complaints

While many customers view Elephant Insurance favorably, some customers report issues with claims.

“Claim delay tactics have gone on for months. Delayed response time, lack of communication, unethical, unfair, and dishonest. Worst, most stressful experience I have ever had with any company.”

– Nat M. via Google

“They take forever to settle a claim and the claims people never seem to answer their phone when you call. When you leave a message, they never call back.”

– Christopher W. via BBB

Elephant Insurance isn’t known for offering the industry’s best customer service. In fact, the company receives over three times more customer complaints than the industry average, according to data from the NAIC’s 2021 National Complaint Index Report.

Elephant Car Insurance Review

We award Elephant car insurance 3.8 out of 5.0 stars overall for its competitive monthly premiums and variety of coverage choices. Elephant is a great option if you want cheap car insurance and they also offer a large selection of discounts to make their policies more affordable. However, it should be noted that auto insurance policy coverage options are a bit less when compared to top providers.

Elephant Insurance Rating

Our rating for Elephant insurance of 3.8 out of 5.0 stars was determined by measuring performance across four main categories including cost, coverage, reliability, and service. The rating breakdown below uses the same methodology that our reviews team uses to judge all auto insurance providers.

Reviews CategoryRating Score
Overall Rating3.8

About Elephant Insurance

Founded: 2009
Parent company: Admiral Group PLC
States available: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, Virginia
AM Best financial strength rating: Not rated
Insurance types: Auto, motorcycle, home, renters, life, umbrella

Elephant auto insurance has only been around since 2009, but the company offers unique insurance products to customers. The Henrico, Virginia-based provider offers some of the industry’s lowest rates and excellent customer service–but some consumers report issues when filing a claim.

While it’s tempting to pick the cheapest car insurance option available, you never know when you might need your coverage. We’d recommend choosing a company with affordable rates and a reputation for protecting motorists in even the most difficult of circumstances.

Elephant Auto Insurance Cost

Where Elephant Auto Insurance really stands out is with its bargain auto insurance rates. Customers can easily receive car insurance quotes by filling out a few pieces of personal information on Elephant Insurance’s website. We recommend getting rate estimates from multiple providers before choosing one because it could save you money.

No matter which provider you end up choosing, certain details always affect how much car insurance is. Below are some of the largest factors that determine your overall cost:

  • Location: Car insurance premiums vary greatly by state. High prices are typical in states which require substantial coverage, experience high rates of car theft, and contain increased numbers of uninsured motorists. You’ll also generally pay extra if you live in an urban area.
  • Age and gender: Younger males face higher auto insurance prices, though rates start to go down as drivers reach their mid-20s.
  • Marital status: Those who are married receive lower car insurance rates than singles, since they end up in fewer accidents.
  • Credit score: Low credit scores are closely tied to high auto insurance premiums.
  • Driving history: Auto insurance prices reach their maximum rates for motorists with DUIs and car accidents on their driving records.
  • Vehicle type: Newer cars, models often desired by thieves, and vehicles with low safety ratings pay increased prices.

Elephant Auto Insurance Discounts

Drivers can take advantage of multiple discounts when they pick Elephant auto insurance, further reducing the company’s already impressive rates.

Multi-Car DiscountSaves money on plans with more than one vehicle
Electronic Signature DiscountLowers rates for those who sign up for an Elephant car insurance policy online
Online Quote DiscountDecreases your insurance costs by getting a quote digitally
Early Bird DiscountReduces rates for those who pick up an auto policy long before its start date
Referral DiscountLowers prices when you refer a friend to Elephant auto insurance
Multi-Policy DiscountDecreases premiums for Elephant Insurance plans through a bundling discount
Good Student DiscountLowers rates for students with strong academic performance
Pay-in-Full DiscountSaves money for those who pay for their entire policy at the start
Work From Home DiscountRewards those who don’t drive to work
Responsible Driver DiscountBenefits drivers who haven’t been involved in an accident
Homeowner DiscountDecreases rates for those who have their own house
Paperless Account DiscountReduces prices for those enrolled in online billing

Another method many customers use to lower their rates is the Elephant auto insurance diminishing deductible. Though it costs $60 per vehicle per year, the plan decreases drivers’ deductibles by $100 per year of accident-free driving.

Elephant Auto Insurance Coverage

As part of its attempt to keep prices to the bare minimum, Elephant Insurance offers a relatively slim set of coverage options. If you’re planning to purchase the least coverage required in your state, this provider might be a strong choice. It’s strongly recommended that motorists purchase additional insurance plans, though.

Elephant Auto Insurance Coverage Options

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision coverage insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Roadside Assistance Roadside assistance coverage ensures that your car will get fixed if it breaks down mid-trip.
Towing Coverage Towing coverage takes care of the costs of having your car towed after a breakdown.
Rental Car Reimbursement Rental reimbursement pays for your transportation needs while your car is in the shop for repairs.
Custom Parts And Equipment Coverage Custom parts and equipment coverage will take care of replacing vehicle add-ons that get damaged in an accident.
Pet Injury Coverage Pet injury coverage pays the costs associated with protecting your pet after it gets injured in an accident.

Elephant Auto Insurance Usage-Based Insurance

For customers willing to sacrifice privacy for greatly reduced rates, Elephant Auto Insurance offers usage-based insurance through its telematics feature. From the company’s app, good habits on the road are rewarded with substantially decreased premiums. The downside: Usage-based insurance can quickly drain phone batteries and reduce personal privacy.

Elephant Auto Insurance App

On the Elephant Auto Insurance mobile app, customers can access policy information, get emergency assistance after an accident, and contact the company straight from their phones. There is also a telematics feature on the Elephant Insurance app where policyholders can opt in for usage-based insurance from the company, which can significantly lower average rates. The Elephant Auto Insurance app earns 4.7 out of 5.0 stars on the Apple Store and is also available on Google Play.

Elephant Auto Insurance Reviews: Conclusion

Through analyzing Elephant Auto Insurance reviews, service ratings, policy coverage options, and cost we give a score of 3.8 out of 5.0 stars. While Elephant Insurance on paper seems to offer some great deals the major drawback tends to come from its claims customer service. Its coverage options are also smaller in selection when compared to major providers.

However, Elephant car insurance can be a good option if you are looking for cheap rates. While Elephant can be a good auto insurance option, we recommend that you look around for deals and compare quotes before committing to anything.

If you would like to start getting quotes for car insurance, used the tool below:

Elephant Auto Insurance Competitors: Top Picks

Elephant auto insurance isn’t your only option for affordable car insurance coverage. The following providers are both known for cheap rates and high-quality claims services.

State Farm: Best For Student Drivers

State Farm is the United States’ largest auto insurance company because of its compelling mix of affordable premiums with standout coverage. The provider shines especially when it comes to covering young drivers, who qualify for various discounts:

  • Good driving discount
  • Accident free discount
  • Defensive driving discount
  • Driver training discount
  • Good student discount
  • Safe vehicle discount
  • Student away at school discount

In our State Farm insurance review, we found that the company offers exceptional coverage that’s in reach of just about any driver. Even better, State Farm’s A++ financial strength rating from AM Best means the company can offer top-notch service without financial challenges.

Geico: Best Overall Provider

Geico refuses to sacrifice customer satisfaction in order to provide cheap car insurance rates. Instead, it manages to offer both because so many customers are willing to place their trust in the company’s services.

With both an A++ rating for financial health from AM Best and an A+ score from the BBB, Geico covers all bases. Because of its outstanding combination of low pricing and great service, our Geico insurance review names the company as the Best Overall Provider.

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Elephant Auto Insurance Review: FAQ

Is Elephant a real insurance company?

Elephant Insurance is a company based near Richmond, Virginia, that offers various insurance options. The provider is known in its coverage area for affordable average rates.

Who owns Elephant Insurance?

Elephant Insurance is a subsidiary of Admiral Group, a United Kingdom-based financial services group headquartered in Cardiff, Wales.

What kind of insurance is Elephant Insurance?

Elephant Insurance offers auto insurance, motorcycle insurance, homeowners insurance, renters insurance, life insurance, and umbrella insurance.

How much does Elephant Insurance cost?

While rates vary with each customer, Elephant Auto Insurance is usually cheaper than the industry average. Customers often pick the company for its competitive car insurance prices.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.