Elephant Auto Insurance Review [2024]
Discover the comprehensive offerings of Elephant Auto Insurance, a company committed to providing low-cost policies with a range of discounts, optional add-ons, and coverage choices across eight states.
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above 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: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Elephant Insurance
Average Monthly Rate For Good Drivers
$97A.M. Best Rating:
A+Complaint Level:
HighPros
- Diverse Coverage Options
- Discount Opportunities
- Tech-Driven Convenience
- Positive Financial Ratings
- Optional Add-Ons
Cons
- Limited Availability
- Mixed Customer Reviews
- Complaint Index
- Limited Historical Presence
- Availability of Discounts
Overall, Elephant offers reasonably priced auto insurance policies and appears to be highly rated by its customers. While it may not provide the cheapest rates compared to some of the other best insurance companies, Elephant does offer stackable discounts and a convenient mobile app.
However, higher-risk individuals may struggle to secure affordable rates from this company. No matter what, before choosing your insurer, it’s worth comparing quotes from multiple insurance companies to verify that you’re getting your best prices without sacrificing coverage levels.
Now that you’ve learned about affordable Elephant auto insurance, secure your best coverage by entering your ZIP code into our free quote comparison tool below.
What You Should Know About elephant auto insurance
A subsidiary of the Admiral Group, Elephant sells auto insurance policies primarily online.
Currently, the company only operates in Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
Despite being regionally limited, this company offers many different auto insurance coverages to drivers.
You can purchase traditional liability, collision, and comprehensive insurance from Elephant.
Plus, in select states, uninsured or underinsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance are also available.
However, you can also add loan or lease coverage, rental reimbursement, non-owner auto insurance, and custom parts and equipment coverage to your policy.
As optional services, you can also request roadside assistance, pet injury coverage, and diminishing deductibles.
There’s also legal coverage, upgraded accident forgiveness, and a repair contract with YourMechanic.
Elephant also provides customers with a mobile app compatible with most Android and Apple devices.
You can create an Elephant auto insurance login through the app or the company website, which brings you to the customer portal.
In the customer portal and mobile app, you can pay your bill, make policy changes, access your ID cards, file and track claims, and more.
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What is the history of Elephant auto insurance?
Elephant, a subsidiary of the Admiral Group, was founded in 2009 and is headquartered in Richmond, Virginia. The name of the company was carefully chosen. Just like the values of this insurance company, elephants are big, strong, and built to last.
Elephant was built around the customer, and it promises to adapt and change as rapidly as the needs of its drivers. Today, the company sells auto insurance in eight states but offers a variety of additional insurance products as well.
How do you request Elephant auto insurance quotes?
To request Elephant auto insurance quotes, visit the company website and use the online quote tool. This company primarily operates online, which is the easiest way to secure coverage. You can either go straight to the quote tool itself or use the coverage wizard for help setting up a policy without fully requesting a quote.
If you use the coverage wizard tool, it will ask you a few simple questions to help determine the right policy and coverage levels for you.
You may also call the customer service department for assistance with quotes. However, the company prefers potential customers go through the online channels if possible.
elephant auto insurance Insurance Coverage Options
Navigating the road of auto insurance requires a careful consideration of coverage options that align with individual needs. Elephant Auto Insurance stands out by offering a diverse range of coverage options, ensuring drivers can tailor their policies for optimal protection and peace of mind.
- Liability Coverage: Covers bodily injury and property damage for which you are responsible in an at-fault accident.
- Collision Coverage: Pays for the repair or replacement of your vehicle in the event of a collision with another vehicle or object.
- Comprehensive Coverage: Protects your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Offers protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments (MedPay) Coverage: Covers medical expenses for you and your passengers, regardless of who is at fault.
- Personal Injury Protection (PIP) Insurance: Provides broader coverage for medical expenses, lost wages, and other expenses, often required in no-fault states.
- Optional Services: Includes add-ons like roadside assistance, rental reimbursement, non-owner auto insurance, custom parts and equipment coverage, pet injury coverage, diminishing deductibles, legal coverage, upgraded accident forgiveness, and a repair contract with YourMechanic.
Elephant sells a variety of other insurance products besides auto policies. You can also purchase homeowners insurance or renters insurance from this company. Plus, motorcycle insurance, personal umbrella insurance, and life insurance options are also available in select states.
Elephant also provides you with bundling discounts if you purchase multiple insurance lines. For more information about what specific products are available where you live, speak with an Elephant customer service representative.
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elephant auto insurance Insurance Rates Breakdown
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| Driver Profile | Elephant Auto | National Average |
|---|---|---|
| Clean Record | $88 | $119 |
| 1+ Ticket | $125 | $147 |
| 1+ Accident | $154 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $151 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Elephant auto insurance rates are not publicly available at this time.
However, if you request a quote, compare it to the average cost of coverage in the state where you live.
The table below shows the average annual auto insurance expenditures in the eight states where Elephant operates, as recorded by the Insurance Information Institute (III).
Average Annual Auto Insurance expenditures by State
| State | Average Annual Auto Insurance Expenditure |
|---|---|
| Georgia | $1,212.04 |
| Illinois | $916.49 |
| Indiana | $767.72 |
| Maryland | $1,211.83 |
| Ohio | $794.91 |
| Tennessee | $855.78 |
| Texas | $1,152.25 |
| Virginia | $853.78 |
Know that many different factors impact your auto insurance rates.
Your ZIP code, coverage requirements, driving record, age, and even the type of car your drive affect what you pay for coverage.
So to find the best policy for you, compare auto insurance quotes online from multiple companies and choose the policy most compatible with your unique situation.
elephant auto insurance Discounts Available
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| Discounts | Elephant Auto |
|---|---|
| Anti Theft | 8% |
| Good Student | 13% |
| Low Mileage | 10% |
| Paperless | 6% |
| Safe Driver | 15% |
| Senior Driver | 8% |
According to the website, drivers have the opportunity to save up to 40% on their auto policy by earning discounts available through Elephant insurance.
Check out the table below for details about all available Elephant insurance auto insurance discounts.
Elephant Auto Insurance Discounts
| Discount | How to Qualify |
|---|---|
| Good student discount | Maintain a B average for a discount. |
| Early bird discount | Buy your policy early for a discount. |
| Electronic signature discount | Sign electronically instead of in-person. |
| Homeowner discount | If you own a home, bundle homeowners insurance with your auto policy. |
| Multi-car discount | Insure more than one vehicle in a single policy. |
| Multi-policy discount | Bundle multiple insurance lines. |
| Online discount | Set up your plan online. |
| Paperless account discount | Select paperless billing to qualify. |
| Pay-in-full discount | Pay in one lump sum for savings. |
| Referral discount | Refer a friend to save money. |
| Responsible driver discount | Remaining accident-free earns you this deal. |
| Work from home discount | Drive fewer miles to qualify. |
The savings opportunities available to you and how much it reduces your policy by changes based on where you live.
So for information about exactly what discounts you may qualify for through Elephant, contact a customer service representative during operational business hours.
How elephant auto insurance Ranks Among Providers
While Elephant Auto Insurance offers a unique set of features and coverage options, it operates in a competitive landscape alongside other prominent insurance providers. Some of its main competitors include:
- Geico: Known for its wide-ranging advertising campaigns and competitive rates, Geico is a major player in the auto insurance industry. Geico’s focus on technology and customer service makes it a strong contender.
- Progressive: Recognized for its innovative approach and user-friendly online tools, Progressive appeals to customers seeking a seamless digital experience. The company’s Snapshot program, which tracks driving habits for potential discounts, sets it apart.
- State Farm: As one of the largest auto insurers in the U.S., State Farm emphasizes a personalized approach and a vast network of local agents. Its reputation for reliability and diverse insurance offerings makes it a formidable competitor.
- Allstate: Known for its comprehensive coverage options and accessible agents, Allstate competes by offering a range of discounts and rewards programs. Its commitment to customer satisfaction and community engagement enhances its competitive edge.
- Esurance: Positioned as a tech-driven subsidiary of Allstate, Esurance focuses on providing a streamlined online experience. Its emphasis on efficiency and simplicity attracts customers looking for a digital-first insurance solution.
While Elephant Auto Insurance has its strengths, these competitors each bring their unique advantages to the market. Customers often compare rates, coverage options, and customer service when choosing the insurance provider that best suits their needs.
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How do you file Elephant auto insurance claims?
Even without a customer account, you can file auto insurance claims directly through the Elephant website. However, creating an account and logging in speeds up the process.
Once you submit your claim form, a claim specialist contacts you within one business day.
If you want to speak directly with a person, you can also call the Elephant auto insurance phone number at 844-937-5353.
However, the phone number is only available during daily business hours, which are not available on the company website. Elephant states that claims typically take a few days or up to one week to process and close.
Elephant Auto Insurance Digital and Technological Features
Mobile App Features and Functionality
Elephant Auto Insurance offers a robust mobile app that enhances the overall customer experience. The app provides users with convenient access to essential features such as policy management, bill payments, and the ability to file and track claims on the go.
Additionally, the app’s intuitive interface ensures a seamless navigation experience, contributing to an efficient and user-friendly mobile interaction.
Online Account Management Capabilities
Policyholders benefit from Elephant’s comprehensive online account management capabilities. The user portal allows easy navigation for tasks such as policy adjustments, document access, and updating personal information.
The online platform empowers customers with self-service options, reducing the need for extensive manual interventions and streamlining the overall insurance management process.
Digital Tools and Resources
Elephant leverages digital tools and resources to provide customers with valuable insights and support. Whether it’s educational materials, FAQs, or interactive tools to estimate coverage needs, the company’s online resources contribute to an informed and empowered customer base.
The integration of digital tools underscores Elephant’s commitment to leveraging technology for the benefit of its policyholders.
Frequently Asked Questions
What states does Elephant Auto Insurance operate in?
As of our latest update, Elephant Auto Insurance is currently available in eight states: Georgia, Illinois, Indiana, Maryland, Ohio, Tennessee, Texas, and Virginia.
How can I file a claim with Elephant Auto Insurance?
Elephant provides multiple options for filing a claim. You can submit a claim online through the company’s website, contact the claims hotline over the phone, or utilize the mobile app for on-the-go convenience. The choice of channel depends on your preference and convenience.
What optional services does Elephant offer?
Elephant offers loan or lease coverage, rental reimbursement, non-owner auto insurance, and custom parts and equipment coverage as optional services. Other add-ons include roadside assistance, pet injury coverage, and diminishing deductibles. Legal coverage, upgraded accident forgiveness, and a repair contract with Your Mechanic are also available.
What types of coverage does Elephant Auto Insurance offer?
Elephant offers a variety of coverage options, including traditional liability, collision, and comprehensive insurance. Additional coverages may include uninsured/underinsured motorist coverage, medical payments (MedPay) coverage, and personal injury protection (PIP) insurance, depending on your state of residence.
How does Elephant Auto Insurance handle claim processing times?
Elephant aims for efficient and prompt claims processing, with an average turnaround time of a few days to a week. The company is committed to minimizing disruptions for policyholders during the claims process.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.
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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