Elephant Insurance is relatively new to the market compared to some other insurers — it’s only been in business for about 15 years.1 In that time, the company has expanded its service area and offerings, though Elephant still only sells coverage in eight U.S. states.

Elephant has an impressive list of coverage options, and its various discounts make it easy for customers to save on their premiums. Though the company hasn’t received many third-party rankings, its overall solid customer reviews suggest it’s a good option for many drivers.

Here’s what you need to know about auto insurance offerings from Elephant.

How Elephant compares to other insurance companies

How Elephant auto insurance works

Elephant is a Virginia-based company that offers various insurance policies, including auto, home, and renters coverage. The company is a subsidiary of U.K.-based Admiral Group, which founded Elephant in 2009.

Elephant offers fairly standard auto insurance policies, including a variety of coverage options, as well as several discounts to help its customers save even more. It’s an online-based company, which means you can get a quote and sign up for your policy online. Elephant doesn’t have local agents — instead, the company’s customer service representatives help customers with any questions or problems they run into.

Elephant underwrites its own auto insurance policies. But its partner companies — which include Dairyland, Ladder, and RLI — underwrite non-auto policies.

How Elephant rates compare to competitors

Elephant has average premiums that are on par with the national average and fairly comparable to similar competitors. See how average full-coverage premiums from Elephant compare to several competitors below.

Average cost of Elephant auto insurance

How much you pay for car insurance will depend on your driving record, age, and more.

If you have a history of past speeding tickets, car accidents, or DUIs, you’ll pay more for car insurance than drivers with a clean record. By age group, teenagers pay the highest premiums due to a lack of driving experience. Senior drivers pay much less for coverage than young drivers, but drivers 70 and older experience slight upticks in premiums.

See how average monthly liability rates from Elephant compare to the national average below.

Elephant car insurance cost by state

Car insurance premiums vary by state due to various factors. For example, each state has its own minimum car insurance requirements, which can affect average rates. Additionally, each state may have different hazards and risk factors, including weather patterns, traffic density, uninsured drivers, and more.

Elephant Insurance currently does business in eight states. The company has comparable rates to other insurers selling coverage in the same states. You can see the states Elephant does business in and how its average monthly liability insurance rates compare to the statewide averages in the table below.

Elephant car insurance discounts

Elephant offers more than a dozen different car insurance discounts to help its customers save on their premiums. According to the company, you can save a total of up to 40% with Elephant’s discounts.

Learn more about how much you can save with discounts from Elephant below.

How customers feel about Elephant

Elephant has some mixed feedback. First, as a smaller and relatively new company, Elephant hasn’t received rankings from some third-party companies like AM Best and J.D. Power. But the company has plenty of existing customer reviews online.

The company’s average customer rating on Trustpilot is 4.5 out of 5 stars, with more than 80% of reviewers leaving five-star ratings. Only about 12% of customers left one-star or two-star ratings. But the company has an above-average number of complaints for a company of its size with the National Association of Insurance Commissioners (NAIC).

It’s worth noting that Elephant Insurance was previously subject to a class-action lawsuit regarding a data breach that compromised customer data, but the judge threw the case out, saying the plaintiffs couldn’t show sufficient evidence of harm.3

Elephant customer reviews

Elephant has generally positive reviews from its customers, who like the affordable rates and easy sign-up process. Below, you can see some verified customer reviews from real users.

Elephant ratings

A handful of third-party organizations rank car insurance companies based on factors like financial strength, customer satisfaction, claims satisfaction, and customer complaints. Three of the most reputable organizations are AM Best, J.D. Power, and the NAIC.

Unfortunately, some of these organizations haven’t included Elephant in their rankings, which makes it difficult to compare the company to others in the industry. You can see its rankings below.

Elephant car insurance coverage options

Elephant has an impressive lineup of standard coverage and add-on options. First, the company offers standard state-minimum required car insurance, which typically includes bodily injury and property damage liability coverages. This coverage doesn’t pay for damage to your car — it protects other drivers on the road and their property.

Some states may also require other coverages, such as uninsured/underinsured motorist, medical payments, and personal injury protection, all of which Elephant offers. For the most vehicle protection, you can purchase full-coverage insurance, which includes collision and comprehensive insurance.

Elephant also has a large number of optional coverages you can add to your policy to provide more robust coverage:

Other options for Elephant customers

In addition to auto insurance, Elephant also offers a handful of other insurance coverages. Partner insurers underwrite all of Elephant’s non-auto policies. Here are the other insurance products you can get from Elephant:

• Homeowners insurance: Elephant offers replacement cost homeowners insurance, which replaces your home up to 100% of the price to repair or rebuild it after an incident.

• Renters insurance: Elephant’s renters insurance policies provide personal property, loss of use, and personal liability coverage to renters.

• Condo insurance: In addition to home and renters insurance, Elephant also offers coverage specifically for condo owners.

• Motorcycle insurance: Elephant offers motorcycle insurance through its partner, Dairyland.

• Life insurance: Elephant offers term life insurance policies through its partner Ladder, with coverage of up to $3 million.

• Umbrella insurance: This type of coverage, which Elephant offers through its partner RLI, protects you from liability above and beyond your other policy limits.

• Off-road vehicle or ATV insurance: This coverage is available for any type of off-road vehicle, including snowmobiles, dirt bikes, dune buggies, golf carts, and ATVs.

Elephant insurance FAQs