Elephant Insurance Review

  • With 3.5/5 stars in 2023, Elephant is an average insurance company.
  • Read Elephant reviews, complaints and prices before you buy.
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Ross Martin

Manager, Content Quality

  • Licensed Insurance Agent — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

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Renata Balasco

Content Strategist

  • Licensed Insurance Agent — Property and Casualty

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

Elephant Insurance at a glance

Pros Cons
  • Bundling options
  • Several coverage options
  • More complaints than average
  • Only available in 8 states

Elephant Insurance review

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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.

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3.5 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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JD Power Rating — Not Rated

Financial strength — Not Rated: Elephant Insurance does not have a rating from AM Best. It's parent company — Admiral Group — is well known in the United Kingdom, but does not have a rating either.

NAIC Rating — More complaints than average: The National Association of Insurance Commissioners (NAIC) has registered considerably more customer complaints about Elephant Insurance than the average for all insurers. NAIC complaints may be a product of poor experiences during the claims process or customer service dissatisfaction.

Elephant auto insurance coverage options

Elephant auto insurance is available in seven states, offering twelve-month policy terms in GeorgiaIndianaIllinoisMarylandOhioTennesseeTexas, and Virginia. 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
Roadside assistance

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

Elephant roadside assistance delivers:

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

Elephant insurance discounts and reward programs

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.

Additional lines of insurance

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

Is Elephant Insurance right for you?

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.

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

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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 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.