Elephant Insurance Review (2026)
- Overall rating: good (3.5/5 stars)
- Digital experience score: Good (3.83/5 stars)
- 86.7% of customers recommend Elephant
Read more below to get a quote directly from Elephant.
Elephant Insurance: A good choice for standard drivers
Elephant offers a decent range of standard coverages with a few optional add-ons and a generous list of discounts. It stands out for its 12-month policy terms, which can help limit mid-year rate hikes.
However, pricing information isn’t publicly available, service reviews are mixed, and availability is limited to select states. The Zebra gives Elephant a good rating based on these details and overall customer reviews.
Available in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
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Availability of Support Channels: Get help through your preferred method—phone, chat, app, or in-person.
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Agent Knowledge and Helpfulness: Knowledgeable agents resolve issues quickly with accurate information.
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Market Stability and Longevity: Unstable carriers may exit your market or face financial issues.
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Regulatory Actions or Complaints: Frequent complaints suggest problems with claims and customer service.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Elephant car insurance?
Accurate pricing information for Elephant is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy. Since premiums vary based on factors like age, location, driving history, and vehicle type, the best way to determine if Elephant fits your budget is to get a personalized quote and compare it with other options during your search.
See how Elephant stacks up against competitors →
Discounts offered at Elephant: More options than competitors
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.
Pay your annual premium in one lump sum to save some money — and you’re good for the year!
Insure more than one vehicle on your policy to get up to 20% off your premium.
Get a multi-policy discount by bundling your auto with homeowners, renters, or motorcycle insurance.
| Multi-car | Early bird |
| Multi-policy | Discount for homeowners |
| Student discounts | Work From Home |
| Pay in full | Paperless account discount |
| Electronic signature | Online quote |
To learn more about each discount Elephant has to offer, see their discounts page.
Compare with other companies
See how Elephant stacks up against similar companies
Cost: Unavailable
Customer satisfaction: High
Our take:
- Only available in 8 states
- High claims satisfaction scores
- Robust and wide ranges of coverage options
Cost: $2,820 for a six month auto policy
Customer satisfaction: High
Our take:
- Higher prices than Elephant
- Better customer service scores than Elephant
- Worse bundling options than Elephant
Cost: $1,152 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Lower prices than Elephant
- Better digital experience scores than Elephant
- Worse bundling options than Elephant
Elephant's customer service & claims experience: Customer-centric service excellence
Customers give Elephant high marks for their agents' expertise and genuine helpfulness, resolving issues efficiently and effectively.They deliver a top-rated claims experience powered by digital efficiency, ensuring that filing, processing, and payment are all handled with exceptional speed.
Fast and Easy
"I was able to purchase auto insurance completely online and that is a big deal to me because I'm not too tech savvy. It was easy to maneuver through the app." - Trustpilot
Leaving after 10 years
"I have had Elephant insurance for more than 10 years. Customer service was very good in the beginning but now I feel that it has gone south; when a company doesn’t take care of their customers, there is not much else to say." - Trustpilot
Liars!
"Elephant Insurance is an okay company if you do not have any problems. Once you file a claim, beware. There were lies told to me from every department. I was even called by the tow truck driver and he said he would be at my home to pick up my vehicle in an hour. 3 hours later, still not here. I called the casualty department and spoke with an agent. He lied as well. First, over when I would get the payout so I could purchase another vehicle, then lied when he told me I didn't talk to him that I talked to someone else." - Yelp
Elephant Customer Survey results
86.7% of customers recommend Elephant
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Elephant was rated in individual categories by expanding the section below.[2]
Source: The Zebra
Claims process: Transparent with fair outcomes
Reflecting its high survey scores, the claims department consistently delivers a positive customer experience, featuring an easy submission process, transparent communication, and fair outcomes in dispute resolution.
Coverage options: Flexible and customizable
While only available in eight states, Elephant writes policies for 12 months rather than the traditional six. The company provides standard coverage options like liability, collision, comprehensive, and uninsured motorist coverage. See below some of the optional features that can be added to an Elephant insurance policy.
Carrier pulse: Recent news from Elephant
- Admiral Group to Sell Elephant Insurance Company to J.C. Flowers.[3]
Final thoughts: Is Elephant right for you?
Elephant offers a solid mix of coverage options and discounts, making it a competitive alternative to some bigger-name insurers. While the lack of clear pricing data makes it hard to gauge overall value, strong customer satisfaction suggests it could be a smart pick—if the price is right.
Frequently Asked Questions about Elephant
Get quotes from Elephant and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Collision Week. Collision Week
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.