Elephant Auto Insurance Review (2024)
Elephant offers various types of car insurance coverage options, including liability, personal injury protection, collision, comprehensive and more. Here's everything you need to know about Elephant car insurance.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Elephant
Average Monthly Rate For Good Drivers
$97A.M. Best Rating:
A+ (Superior)Complaint Level:
MedPros
- Multiple discount options
- Uncommon coverage like custom parts and pet insurance
- Legal assistance coverage
- Bundling options
- Helpful customer service
Cons
- Higher-than-average rates
- Only available in eight states
- Numerous customer complaints
- A lack of certain coverages like new car replacement
Elephant offers car insurance in eight U.S. states. You may want to consider the company if you’re searching for auto insurance. It provides standard coverage, additional options, and many discount opportunities.
Still, rates with Elephant are often higher than average, and the company has a fair number of complaints concerning how it handles claims.
What You Should Know About Elephant Auto Insurance
Elephant has an A+ (superior) financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau. Unfortunately, the company has its fair share of customer complaints concerning claims handling.
Most Elephant insurance reviews discuss the company’s higher-than-average rates and low customer satisfaction, though some Elephant claims reviews note the company’s helpful customer service representatives.
If you’re considering a policy with Elephant, shop around after receiving Elephant car insurance quotes to see what other companies have to offer.
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Elephant Auto Insurance Coverage Options
Elephant offers the standard coverage types you’d expect most insurance providers to have, including:
- Liability
- Property damage liability
- Medical payments
- Uninsured/underinsured motorists
- Personal injury protection
- Collision
- Comprehensive
While some companies stop here, Elephant offers additional coverage options to policyholders, such as:
- Roadside assistance. Elephant roadside assistance covers towing and other necessities.
- Rental reimbursement. This coverage pays for rental cars if you need one after an accident.
- Upgraded accident forgiveness. Elephant offers accident forgiveness to policyholders after three years, but you can purchase this add-on immediately with your new policy.
- Loan/lease payoff. Loan/lease payoff will pay up to 25% of the remaining balance if your vehicle gets totaled in an accident.
- Custom parts and equipment. A custom parts and equipment policy covers upgrades or other vehicle modifications if your car gets damaged.
- Diminishing deductible. Your deductible will lower each year you drive without getting in an accident.
- Non-owner coverage. This add-on covers you if you borrow someone else’s car and get in an accident.
- Pet injury insurance. This policy pays up to $1,000 in covered veterinary bills and expenses.
- Legal coverage. Legal coverage helps with discounts and other ways to pay for legal services you may need if you’re involved in an accident.
Not only does Elephant offer policies required by many states, but it also allows drivers to customize their policy with add-on coverages.
Also keep in mind that you can only purchase Elephant insurance in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Elephant Auto Insurance Rates Breakdown
In many instances, Elephant car insurance rates are well above the national average for coverage.
Elephant Rates Based on Age
Elephant teen driver rates are around 35% higher than the national average at $7,561 annually for girls and $8,103 for boys. This table includes rates for teen drivers based on gender from the top insurance companies.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
For adult drivers, Elephant rates are still higher than average. For females, the premium is around $1,842 annually, while for men, it’s about $1,836. While senior drivers can expect to pay around $300 to $400 more annually for coverage with Elephant. The table below shows the national average for senior drivers.
Full Coverage Auto Insurance Monthly Rates for Senior Drivers by Age & Gender
| Insurance Company | 55-Year-Old Male | 55-Year-Old Female | 60-Year-Old Male | 60-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|
| AAA | $81 | $83 | $77 | $76 | $84 | $86 |
| Allstate | $152 | $153 | $154 | $150 | $157 | $158 |
| American Family | $111 | $109 | $105 | $104 | $114 | $113 |
| Farmers | $131 | $132 | $128 | $120 | $136 | $136 |
| Geico | $76 | $76 | $74 | $73 | $78 | $78 |
| Hartford | $107 | $109 | $103 | $101 | $109 | $112 |
| Liberty Mutual | $165 | $162 | $159 | $148 | $170 | $167 |
| Nationwide | $109 | $107 | $104 | $99 | $112 | $111 |
| Progressive | $100 | $106 | $95 | $92 | $103 | $109 |
| State Farm | $82 | $82 | $76 | $76 | $84 | $84 |
| Travelers | $94 | $93 | $90 | $89 | $97 | $96 |
| U.S. Average | $113 | $113 | $110 | $106 | $117 | $117 |
Elephant insurance may work for you, but it’s good to compare rates with other companies before making any commitments.
Elephant Rates With a Speeding Ticket
You can expect higher-than-average car insurance rates if you have one or more speeding tickets on your driving record. You can compare the top insurance companies’ rates after a speeding ticket below.
Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record
| Insurance Company | One Ticket | Clean Record |
|---|---|---|
| AAA | $108 | $180 |
| Allstate | $188 | $166 |
| American Family | $136 | $116 |
| Farmers | $173 | $140 |
| Geico | $106 | $95 |
| Hartford | $136 | $175 |
| Liberty Mutual | $212 | $177 |
| Nationwide | $137 | $140 |
| Progressive | $140 | $120 |
| State Farm | $96 | $105 |
| Travelers | $134 | $160 |
| U.S. Average | $147 | $123 |
With Elephant, rates are almost $500 higher than the national average and nearly $1,000 more annually than rates with State Farm.
Elephant Rates After an Accident
Rates for drivers involved in an accident are nearly 30% higher with Elephant than the national average. See rates from the top insurance companies below.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
Elephant’s rates for drivers with one or more accidents on their record are nearly double USAA’s rates.
Elephant Car Insurance After a DUI
If you have a DUI on your record, you’ll definitely pay more for insurance. You could even have a hard time finding a company willing to offer you coverage, but we’ve put together a list of the top insurance companies that do offer DUI insurance.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Elephant’s rates for people with a DUI are only around 2% higher than the national average at about $2,652 annually.
Elephant Rates for People with Poor Credit
If you have a low credit score, you could pay around 7% more for insurance with Elephant than the national average.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
While 7% may not sound like a lot, that equates to hundreds of dollars annually you could save with another company.
How much is minimum coverage with Elephant?
Elephant’s rates for minimum car insurance coverage is around $1,782 annually. With the national average around $1,463, Elephant’s rates are almost 22% higher. Let’s compare this to the top insurance companies.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Elephant’s minimum coverage rates are nearly $700 more per year than rates for similar coverage with GEICO.
How much is full coverage with Elephant?
A full coverage policy with Elephant costs around $2,059 per year. Take a look at the table below for rates for full coverage insurance with the top companies in the country.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Elephant’s full coverage rates are 27% higher than the national average and nearly $800 more than GEICO’s full coverage rates.
Elephant Auto Insurance Discounts Available
Elephant offers policyholders several discount options, including:
- Multi-policy
- Online quote
- Paid-in-full
- Paperless
- E-signature
- Multi-car
- Good driver
- Good student
- Homeowner
- Work from home
Discounts could help you save up to 25% on your auto insurance coverage, so speak with an Elephant representative if you believe you may qualify for one or more of the discounts listed above.
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Frequently Asked Questions
What other insurance does Elephant offer?
In addition to car insurance, Elephant offers homeowners, condo, renters, umbrella, life, motorcycle, and off-road vehicle insurance.
Where is Elephant available?
You can purchase Elephant insurance in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
How can I get a quote for coverage from Elephant?
Go to the company website to receive an online quote. The company will ask for information about you and your vehicle.
How can I file a claim with Elephant?
You can file a claim by calling 844-937-5353. When you call, have your policy number ready and be prepared to provide specific information about the incident.
How can I cancel an Elephant car insurance policy?
Call 877-321-2095 to cancel your policy.
Who owns Elephant insurance?
Elephant auto insurance is a subsidiary of Admiral Group PLC based in the United Kingdom.
Is Elephant Auto Insurance a reputable company?
Elephant Auto Insurance is generally considered a reputable company. They have been in operation for several years and have a strong presence in the insurance industry. However, it’s always recommended to do thorough research and read customer reviews before making a decision.
What types of coverage does Elephant Auto Insurance offer?
Elephant Auto Insurance offers a range of coverage options, including liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and more. They also provide optional add-ons such as roadside assistance and rental car reimbursement.
How can I get a quote from Elephant Auto Insurance?
To get a quote from Elephant Auto Insurance, you can visit their official website or contact their customer service directly. On their website, you’ll typically find a quote form where you can provide the necessary details about your vehicle, driving history, and coverage needs to receive an estimate.
What factors can affect my Elephant Auto Insurance premium?
Several factors can influence your premium with Elephant Auto Insurance. These factors may include your age, gender, location, driving record, type of vehicle, coverage limits, deductibles, and any discounts you may be eligible for. It’s important to provide accurate information during the quoting process to receive an accurate premium estimate.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Alikhosh
They run scheme
CA76
Elephant Insurance is the best
Mrsr38
Dissatisfied customer
teamfecko2020
I would go with Elephant!
Jfernandez175
Amazing Service!
MirandaW101113
Saviors
LINC
DO NOT USE!!!!!!
REvans1920
Horrible Claims service
78942Long
Elephant auto insurance was a good choice for me.
Shelleybean0806
Excellent service