Elephant Car Insurance Review 2025

Elephant car insurance is ideal for drivers who prefer online purchasing, are seeking add-ons beyond standard coverage, and/or are looking to bundle auto with other policy types.

Elephant Is Best for Those Who:

• Want to purchase a policy online
• Are looking for a wide selection of add-on coverages like gap coverage and/or accident forgiveness
• Live in a state where it operates
• Work partially or fully from home (special discount)

Elephant Is Not Best for Those Who:

• Live outside of Georgia, Illinois, Indiana, Ohio, Maryland, Tennessee, Texas, or Virginia
• Are looking for the best customer service

Pricing data for Elephant is not available, but the company advertises affordable rates for car insurance. If you have a clean record and other favorable factors, you will likely get a good rate. The company states on its website that drivers who switch to Elephant save an average of $805 annually.

Elephant advertises many car insurance discounts, which it states can save policyholders up to 40 percent on their policy:

Highlighted Discount: Bundling Discount

Elephant sells several different types of insurance, including home, renters, condo, and life insurance, some of which are through a partnership with another insurance company. Elephant provides a discount for bundling auto with property insurance, life insurance, or both, even if one of the policies is underwritten by one of its partners.

Elephant offers up to 12 percent off for bundling auto and home, and up to 4 percent off if you bundle auto with life insurance.

Highlighted Discount: Work From Home Discount

Elephant’s work from home discount is a unique discount that saves you money based on the fact that you don’t have to drive to commute, and are therefore at a lower risk of accidents. The more days you work from home, the more you can save. This discount also applies if the spouse of the policyholder works from home.

Other Discounts

Elephant also offers the following discounts:

• Multicar discount: Elephant offers savings if you insure more than one vehicle with the company.
• Early bird discount: Get a discount of up to 10 percent for switching from another insurance company to Elephant at least five days before your current policy expires.
• Homeowner discount: Save up to 10 percent just for owning a home.
• Claims-free discount: This discount is automatically applied to your policy if you avoid causing an accident for at least five years.
• Mature driver discount: In certain states, seniors can complete an approved defensive driving course to get a discount.
• Online discount: Get a discount of around 3 percent for starting your quote online.
• E-signature discount: If you provide your email address and authorize e-signatures, you could save around 18 percent.
• Paperless discount: Elephant provides an average savings of 3 percent for signing up for paperless billing.
• Pay-in-full discount: Save between 8 and 15 percent if you pay your premium in full upfront.
• Autopay discount: Get another discount if you set up automatic payments.
• Good student discount: Elephant offers a discount to unmarried, full-time students under 25 with at least a 3.0 GPA or a B average.
• Student-away-at-school discount: Students 22 years old or younger can get a discount if they’re living at school more than 100 miles away from home without regular access to a covered vehicle.

Elephant provides an easy and user-friendly online quote and purchase process. It has a useful Coverage Wizard tool, which can help you determine what coverages you need before you begin your quote. It asks questions about your situation and makes recommendations for what coverage to include, along with helpful information.

You can see an example in the screenshot below, which is recommending that I get a full coverage policy based on my response to the previous question of whether I currently finance my car (I answered yes).

I wasn’t able to go through the quote process since Elephant is not available in my state, but you can complete the quote and finalize your policy entirely online if you wish to. You can also call the number on the screen at any time to speak with an agent if you have any questions.

When I entered a ZIP code outside of its service area, Elephant recommended that I get a quote with one of its partners — Progressive, Allstate, and Ultimate Insurance — and included direct links to their sites, which I thought was a nice touch.

Elephant offers a relatively wide range of coverages in addition to the standard options of liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist coverage.

Here is a full list of the company’s coverage options beyond those listed above:

When it comes to customer service, Elephant’s ratings are mixed, but they lean positive. J.D. Power doesn’t include the company in its annual studies, so I looked at a few different sources instead.

On the negative-leaning side of things, Elephant has a rating of C- from CRASH Network, ranking below average at number 78 out of 97. That said, the major ten U.S. insurers also scored in this range.

Elephant also has an NAIC Complaint Index of 2.46, which means it receives 2.46 times more complaints than would be expected for a company of its size in the market. However, when I filtered for private passenger auto insurance complaints specifically, its score dropped to 0.94, meaning it receives slightly fewer complaints than average in this category.

On the positive side: Elephant has an A+ rating from the Better Business Bureau as well as a customer rating of 4.5 out of 5 stars based on 1,000 reviews on Trustpilot, which indicates that many customers are very satisfied with the service they receive.

Elephant’s parent company, Admiral Group, also has an A+ rating from AM Best, meaning it is financially stable and is able to reliably pay out the claims it owes to policyholders.

Elephant makes it easy to file a claim. You can do so via the mobile app, website, or over the phone. When using the online portal, you can sign in to your account to speed up the process, or you can continue as a guest. If you continue as a guest, the next screen asks whether you’re filing a glass claim or another type of claim.

For all other claim types, you’ll be redirected to the following screen, where you’ll need to input your policy number, followed by all the details of the incident.

Elephant has robust digital tools, including a user-friendly website and digital app. Its website has detailed information on all of its offerings as well as resources to help you find the right coverage. You can easily start a quote or log in to your existing account from the homepage.

I also downloaded the app to get a feel for it, and while I couldn’t access most features without logging in, the interface is clean and easy to use. When you first download the app, it greets you with several slides explaining the different features. From the app, you can view your ID cards, pay your bill, file a claim, and more.

You can swipe through, or you can log in or activate your account right away. You can also call roadside assistance without needing to log in.

The mobile app has decent ratings on both the Apple App Store and Google Play Store. However, many recent reviews complain that the app no longer lets them log in and crashes a lot.

At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:

• Price (40%): We analyze average full and minimum coverage premiums for safe drivers with good credit, as well as other driver profiles, including those with violations or low credit. We also consider the selection of available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): An insurance company’s main purpose is to process claims when needed, and customers expect the process to be smooth and timely. We assess insurers’ claims practices through sources like the CRASH Network Insurer Report Card. We also consider financial strength from sources like AM Best.
• Customer Experience (25%): We evaluate the ease of the customer experience when it comes to getting a quote, purchasing a policy, and managing an existing policy. We consider the availability and quality of online and agent interactions, as well as the user-friendliness of the company’s website and mobile app. Our sources include the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We review each company’s coverage offerings, especially whether they have options beyond the state-required minimums, such as accident forgiveness, gap coverage, and more.

Read more about our ratings and methodology.