Elephant Insurance Reviews, Coverage Options, and Ratings in 2019

The Zebra
June 14, 2019

Elephant Insurance Reviews, Coverage Options, and Ratings for 2019


A relative newcomer to the insurance space, Elephant has nonetheless made quite an impact. The company maintains a presence in a number of countries and offer an array of coverage options. However, Elephant car insurance receives relatively poor customer service ratings. Have a look at Elephant Insurance reviews, coverage options, and customer complaints, as well as praise. 

See Quotes Now
JD Power Rating — Not Rated

Financial strength — Excellent: A financial strength rating of “excellent” shows that Elephant Insurance is financially sound and its ability to pay out claims is strong.

NAIC Rating — More complaints than average: The National Association of Insurance Commissioners has registered considerably more customer complaints about Elephant Insurance than the average for all insurers.

Elephant Insurance coverage options

Elephant Insurance provides coverage options that include liability, collision, comprehensive, and uninsured motorist coverage. Below you will find some things that set the Elephant apart.


Roadside assistance

Elephant partners with technology driven company urgent.ly to provide fast, secure, and high-quality roadside assistance.

You can expect:

  • Towing
  • Battery jumping
  • Emergency fuel delivery
  • Flat-tire replacement
  • Lock-out services



Elephant offers the chance to bundle your auto insurance with homeowners or renters insurance. Along with the added convenience, this can also save you money. You can also add different lines, including motorcycle or life insurance.


Diminishing deductible

One of the interesting things about Elephant is its Diminishing Deductible program. Instead of the $500 deductible common with many insurance companies, Elephant rewards good driving behavior with $100 off the day you sign up. Another $100 comes off the deductible each year, reaching $0 at year five. Unlike some other companies, your deductible does not reset after an accident.


Elephant discounts

Elephant gives you the chance to save money on car insurance. Have a look at the following Elephant car insurance discounts.



Getting your quote via the Elephant website can save you upward of 12%.



If you insure more than one car with Elephant, you can receive a discount of up to 20%.  


Paperless account

By signing up for a paperless account, you can save up to 3% per vehicle and do your part to protect the environment.


Good student

With Elephant, your stellar academic record could lead to a discount of up to 12%. This applies to students between the ages of 16 and 25 in most states. To qualify, you must be considered a full-time student and maintain a “B” average or better.



Get a discount for covering more than just your car by adding homeowners insurance to your coverage.


Good driver

If you’ve been accident-free for five years, it’s possible for you to receive up to 10% off on select coverages.


Additional lines of insurance

Elephant offers a variety of other insurance options, many of which you can bundle. These options include:

  • Homeowners
  • Renters
  • Condo
  • Motorcycle
  • Life
  • Umbrella


Is Elephant Insurance right for you?

If you are looking for competitive pricing and a range of coverage options, it might pay off to take a closer look at Elephant Insurance. However, if customer service is something that you value highly, you may want to consider expanding your search.

The Zebra is here to help. Enter your ZIP code below to get quotes from dozens of companies so that you can find the best coverage at the best rates.

Compare Elephant with other insurance companies today!