Elephant Auto Insurance Review

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Elephant Auto Insurance Review

Slightly below average rates make Elephant an insurer to consider, but its spotty customer service reputation make it a questionable choice.

Good for

  • Direct-to-consumer insurer with competitive auto insurance rates

Bad for

  • Auto insurance only available in six states: Virginia, Maryland, Illinois, Texas, Indiana, and Tennessee
  • Higher than average complaints

Editor's Rating


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Elephant Insurance Customer Service

Elephant customers can expect subpar customer service, as auto insurance policy holders who are insured with Elephant file complaints at a high rate. The NAIC reported Elephant as having a complaint ratio index of 2.76, nearly three times the national median of 1.00.

Elephant Auto Insurance Reviews

Reviews from Elephant Insurance customers have been somewhat mixed. Many have praised Elephant for its quick quotes process, low rates and easy-to-navigate website. However, when it comes to filing a claim, customers have expressed frustration—indicating that Elephant was slow to respond and resistant to pay their claim.

Elephant Auto Insurance Rate Comparisons

Elephant provides fairly low rates, though there may be cheaper insurance options available to you. On average, Elephant provided auto insurance quotes that were 9% lower than the average across the companies we surveyed. However, GEICO and State Farm both generally offered cheaper auto insurance policies for our profile driver. Choosing one of these insurers over Elephant could represent a savings of 24% to 40% per year in insurance costs.

How Elephant Insurance ranks compared to other insurance companies

Rates displayed above represent the average across quotes gathered for three cities: Houston; Virginia Beach, Virginia; and Chicago. To see which of the companies is underwriting in your specific city, enter your ZIP code below to begin your own car insurance quotes comparison:

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Elephant Auto Insurance Discounts

Elephant offers discounts that are in-line with what is standard for auto insurers:

Discount TypeDiscount Amount
Responsible Driver (accident free, 5 years)up to 10%
Good Student Discountup to 12%
Community College Discount (Partner)8%
Online Quotes15%
Payment in Fullup to 13.5%
Electronic Signature$100
Multi-Policy Discountup to 9%
Multi-Car Discountup to 27%

Elephant Insurance Policies and Agents

Elephant operates on a direct-to-consumer business model (no independent agents), in order to pass savings to customers. However, car insurance shoppers who desire the personal touch of an insurance agent to help them manage their policy and choose coverages should choose an insurer—such as State Farm—known for its network of agents.

Geography of Operations

While the company just started out in America in 2009, Elephant has its roots in the Admiral Group, one of the United Kingdom's largest insurers. Here in the U.S., it underwrites car insurance in six states: Virginia, Maryland, Illinois, Texas, Indiana and Tennessee.

Elephant Auto Insurance Claims Process and Repair Assistance

Elephant insureds can choose to have their damaged vehicles repaired at any auto body shop, but for those who don't have a preference or don't know of any repair shops, the company has a list of prequalified recommendations you can choose from. You're under no obligation to have the car repaired with them, though, as Elephant can simply issue a claims settlement check directly to you.

Elephant Insurance Windscreen Replacement

Windshield or glass claims with Elephant are handled by its express glass service, which includes a network of repair shops that are available to get you back on the road as quickly as possible. Glass repair claims are covered by comprehensive and collision insurance, though the cost of your windscreen replacement—which is usually a few hundred dollars—may be less than your deductible. If this is the case, you will end up paying out of pocket for the full cost of glass repairs.

Urgent.ly Roadside Assistance

Elephant is partnered with Urgent.ly, a company with a modern approach to roadside assistance. Urgent.ly lets customers track—in real time—the location of its roadside assistant drivers. This is a service that comes free with the purchase of roadside coverage from Elephant.

Accident Forgiveness

Elephant offers what's known as accident forgiveness, which guarantees that rates won't go up after an at-fault accident. This program is available to all customers after they have had an Elephant car insurance policy for a few years.

Diminishing Deductible

Those who have comprehensive and collision insurance through Elephant have the option to enroll in the diminishing deductible program. Those enrolled in this program will see their deductible reduced by $100 each year they are accident free.

Gap Insurance

Elephant provides protection for so-called underwater car loans, known as gap insurance, where the value of a car is less than the balance of the loan amount. This is helpful when an accident or event depreciates the value of a car, but the payments you make on the underlying asset are still overvalued. Elephant only provides this coverage after both comprehensive and collision insurance have been purchased, and for cars with loans held by banks.

About the Elephant Auto Insurance Company

The Elephant Auto Insurance company started operating in the United States in 2009 as a subsidiary of its parent company, the Admiral Group, an insurance company based in the United Kingdom. Elephant's U.S. headquarters are based in the Innsbrook area of Greater Richmond, Virginia’s Henrico County.

Other vehicles insured by Elephant are ATVs, collector cars and motorcycles. In addition to car insurance, the Elephant Insurance company also sells property insurance for homeowners, renters and condo owners.

Elephant's name is meant to allude to the protective and inclusive attitudes of elephants to members of their herd. The elephant theme permeates the culture of the company; Elephant even refers to its customers as its herd.

How to File a Claim with Elephant

Claims can be reported through Elephant's website or by e-mail at [email protected] Additionally, to file a claim over the phone, call: (844) 937-5353.

Comments and Questions

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.