Elephant Insurance Review

  • With 2.3/5 stars in 2024, Elephant is a fair insurance company.
  • Read Elephant reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

Credentials
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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Beth Swanson

SEO Content Strategist

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Elephant insurance: Ratings and reviews

2.3 100% filled Star icon 100% filled Star icon 29.999999999999982% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

A relative newcomer to the insurance space, Elephant has nonetheless made quite an impact since its founding in 2009. Headquartered in Richmond, Virginia, it is a subsidiary of the Admiral Group, which is based in the UK. Elephant is available in a growing number of US states. Offering an array of coverages, the company may be a competitive option for your next policy. However, keep in mind that Elephant receives so-so customer service ratings. Take a look at The Zebra's Elephant Insurance review, including a detailed breakdown of coverage options, discounts, and customer complaints.

100% filled Star icon 100% filled Star icon 29.999999999999982% filled Star icon 0% filled Star icon 0% filled Star icon
2.3 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Get a Quote at Elephant
Pros
  • Bundling options

  • Several coverage options

Cons
  • More complaints than average

  • Only available in 8 states


Is Elephant a good insurance company?

A large part of The Zebra's review score incorporates how well Elephant is rated in terms of customer service. In order to determine that we looked at the following third-party ratings.

Trustpilot Reviews: 2/5

  • Elephant earned 2/5 stars from Trustpilot[1]

BBB Customer Reviews: 1/5

  • Elephant has a 1/5 rating from Better Business Bureau customers[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Elephant[3]

The Zebra Customer Satisfaction Survey

Along with third-party ratings, The Zebra conducted our own customer experience survey in which we ranked which insurance companies are the best based on real customer feedback. However, we did not collect a sufficient amount of data on Elephant for it to be included.


How much does Elephant insurance cost?

Unfortunately, average Elephant premiums are not available, which hinders our ability to provide a complete and accurate review and rating calculation. 

It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location, and vehicle type. It's worth getting a quote on auto insurance in your area to see if Elephant can offer coverage within your budget. 

Discounts offered

Elephant gives you the chance to save money on car insurance in a few different ways. Many of the traditional discounts offered by many of the big insurance providers can also be found here. Check out the following Elephant car insurance discounts.

Discounts based on your policy

  • Bundling: Get a multi-policy discount by bundling your auto with homeowners, renters, or motorcycle insurance.
  • Online quote: Get your quote online on Elephant’s website to get an immediate 12% off your rate.
  • Pay-in-full: Pay your annual premium in one lump sum to save some money — and you’re good for the year!
  • Go paperless: Elephant customers who opt-out of paper bills get up to 3% off per insured vehicle.
  • E-signature: Enroll in your policy with your electronic signature to qualify for a small discount.

Discounts based on the driver or vehicle

  • Multi-car: Insure more than one vehicle on your policy to get up to 20% off your premium.
  • Good driver: Elephant rewards responsible drivers with up to 10% off if you have a good driving record and have been accident-free for five years.
  • Good student: If you’re a full-time student between ages 16 and 25 with at least a “B” average, you’re eligible for a good student discount.
  • Homeowner: If you own your home you can save money on your Elephant policy.
  • Work from home: Home-based workers — who find themselves driving less due to not having to go into the office — are offered a discount from Elephant.

Read more about all the discounts Elephant offers here

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What type of coverage does Elephant offer?

While only available in eight states, Elephant writes policies for 12 months rather than the traditional six. The company provides standard coverage options like liabilitycollisioncomprehensive, and uninsured motorist coverage. See below some of the optional features that can be added to an Elephant insurance policy.

  • Roadside assistance - Elephant partners with technology company urgent.ly to provide fast, secure, and high-quality roadside assistance services for policyholders.
  • Diminishing deductible - This is also known as a vanishing deductible. Upon sign-up, Elephant claims to offer a reduced deductible regardless of your accident history. This deductible decreases the longer that you go without an accident. For six-month policies, you'll see a reduction of $50 at renewal, while twelve-month policies will see a reduction of $100.
  • Rental reimbursement - If you need a rental car while your own vehicle is out-of-commission while being repaired, Elephant offers a choice from various tiers of coverage limits to be allocated towards rental reimbursement.
  • Custom equipment - Elephant offers custom equipment coverage if your car is modified with special parts. This is only applicable if you have comprehensive and collision coverage.
  • Legal assistance - Applicable for contesting one minor traffic infraction per year and per driver, Elephant’s legal assistance will cover the cost of a consultation and representation by a lawyer. You can also get a 25% discount off attorney fees for pre-existing, non-auto-related legal matters like family law, documentation review, and will preparation.

Read more about Elephant's coverages here

elephant logo

Additional lines of insurance

Elephant offers a variety of other insurance options, many of which you can bundle with your auto policy:


Elephant insurance review: Summary

The coverage options and discounts available through Elephant insurance make it a competitive option when compared to some of the larger and more well-known car insurance companies on the market. However, if customer service is something that you value, consider expanding your search via The Zebra or an insurance agent.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Elephant insurance: Frequently asked questions

Elephant insurance offers competitive coverage options and discounts compared to bigger insurers. However, it's available in only eight states and has numerous low customer reviews. If national availability and customer service are important to you, we recommend you check out other insurers.

Yes, Elephant Insurance is a legitimate insurance company known for its auto insurance products. They focus on providing competitive rates and have a digital-first approach to customer service.

Elephant Insurance may offer competitive rates based on their digital-first business model, underwriting practices, and operational efficiencies. Rates also depend on individual profiles and coverage choices.

Yes — Elephant offers their app, Elephant Insurance Mobile, for both Apple and Android devices where customers can view their ID Cards, pay their bills, and file claims.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.