Elephant protecting a blue car

We're the friendly, trusted car insurance experts

We're serious about guiding you to the right choices at the best price. we are elephant. we protect our herd., 9 out of 10 customers renew with elephant.

89% of customers stayed with Elephant at renewal in 2022.

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4.7 star review We are proud to have earned these stars based on 7,357 reviews

Based on customers reviews and data from Google and/or its partners.

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Save up to $594 Average annual savings for drivers who switch to Elephant

Survey of new customers taken between 7/1/2015 to 12/23/16 who realized a savings when they switched to Elephant.

What Elephant offers to auto insurance shoppers

Elephant offers a variety of insurance products and coverages, including customized car insurance, liability, collision, comprehensive, and full coverage. Get an insurance quote today to find the coverage that's right for you.

Personalized car insurance

Find the coverage you need to protect you and your car and discounts to save money.

Bundle insurance for savings

For convenience and savings, bundle your home, motorcycle, and umbrella insurance.

Tools to make things simple

Manage your policy and claims with the Elephant mobile app and online account access.

Forbes 2023 Best Insurance Companies Badge

Thank you to our customers for voting us one of America’s best insurance companies.

Forbes partnered with Statista to survey over 15,000 U.S. customers of more than 3,300 U.S. insurance companies to create the rankings. Participants rated their insurance providers in terms of their overall satisfaction and whether they would recommend them to family and friends.

Save money with auto insurance discounts

At Elephant, we’re always looking for ways to lower your premiums, including car insurance discounts that pack a trunkful of savings. Check out these favorites.

Early Bird Auto Insurance Discounts

Early bird discount

Save up to 10% when you start your policy with Elephant 5 days before your current policy renews. We make switching easy.

Pay in Full Car Insurance Discount

Pay in full discount

Save when you pay your policy premiums up front since this helps us save on payment processing costs. We love sharing.

Multi Car Insurance Quote

Multi-car discount

When you insure more than one vehicle in your household, Elephant offers a discount to reward you for this efficiency.

Going Green Policy Discount

Going green discounts

Get discounts on your car insurance when you chose eco-friendly options like e-signature and paperless billing.

Going Green Policy Discount

Claims free discount

Haven't had an accident in a while? Responsible driving helps you save.

Going Green Policy Discount

Online quote discount

Be rewarded simply for setting up your insurance plan online.

A few words from Elephant customers talking about their auto insurance

Average rating based on 7,357 reviews

“Excellent customer service and was glad in as able to get the rate I was looking for... Will definitely recommend anyone.”

“My experience was fantastic. It took a little longer than I thought, but the discount was worth the wait. I saved a TON over my past policy with P…..ve. Thanks Elephant!”

“I just made the switch to Elephant. My previous provider yearly premium kept going up and I had enough. I called Elephant Insurance and they were very helpful, convenient, and gave me a much better rate than what I was paying.”

Car insurance coverages

Good memory. Good advice. Elephant’s licensed agents and online tools answer questions without the jargon.

Required car insurance coverages*

If you cause an accident, liability insurance coverage helps pay an injured person's medical bills or for repairs to someone's vehicle. In most states, drivers are legally required to carry liability insurance.

Personalized car insurance coverages

Elephant Insurance phone agent

Comprehensive and collision coverage . Comprehensive coverage helps pay to repair or replace your car if it is damaged from an unexpected event, such as damage caused by theft or vandalism, or by hitting a deer, while collision coverage covers damage caused by a collision with another vehicle or object.

Uninsured/underinsured motorist coverage protects you if your are in an accident and another driver is at-fault but does not have car insurance. This coverage covers helps cover the gap if you’re in an accident and the at-fault driver’s liability limits are too low to cover the medical expenses of anyone injured.

Additional car insurance coverages and services

  • MedPay & personal injury protection (PIP)
  • Rental reimbursement
  • Loan/lease payoff
  • Upgraded accident forgiveness
  • Roadside assistance
  • Diminishing deductible

Learn more about additional coverages and services available at Elephant.

Why chose Elephant for your car insurance

Delivering savings and protection. Fair pricing is one thing, but fair pricing and discounts ? Even better. Drivers could save an average of $594 when switching to Elephant.

Flexible car insurance payment options and convenient online tools. Elephant offers flexible payment plans, a variety of buying options, convenient claims filing and our highly reviewed mobile app, Elephant strives to provide protection with convenience.

Superior claims experience. Elephant is proud to share its customer confidence score (Net Promoter Score) is higher than the industry average. When it comes to handling a claim, our dedicated claims team and repair network are there when you need them.

Our customers give us high marks. We are proud of our average Google 4.7 star rating and that 9 out of 10 customers renew with us each term! And we’re very proud to have been named a Forbes America’s Best Insurance Company 2023 . Forbes partnered with Statista to survey over 15,000 U.S. customers of more than 3,300 U.S. insurance companies to create the rankings. Participants rated their insurance providers in terms of their overall satisfaction and whether they would recommend them to family and friends.

Man accessing Elephant Insurace mobile app from a car

Feel confident in your insurance coverage

Save without skimping on the best protection around.

Give us a call at 1-855-ELEPHANT

How to get a car insurance quote

Save time getting a car insurance quote by starting with the information you will need to get the best price.

  • A valid driver’s license
  • The year, make and model of your car or cars OR the vehicle identification number/s (VIN).
  • The address where you live and where your car will be kept.

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How to compare car insurance quotes

It’s always smart to compare quotes from two or more car insurance companies, just make certain you select the same coverages , policy limits and deductibles for each one. Here’s what to look for in each category:

Coverages: Some coverages are required, like liability Insurance, and some are optional. Be sure to include the same coverages from each company on each quote.

Policy limits: Some coverages will have minimum and maximum limits, use our coverage calculator to select the limit that provides you with the best protection for your need. For an apples-to-apples comparison, make sure each quote uses the same policy limits.

Deductible amounts: When you have comprehensive and collision , This is the amount you agree to pay if your vehicle needs repair before the insurance company begins to pay. Increasing the deductible will lower your insurance premium, but it’s important to think about how much you could pay out of pocket should you make a claim. Be sure to select the same deductible on each quote.

We've got some great resources to help you understand car insurance better:

Use our Coverage Wizard to see which car insurance coverages you should (or shouldn't) carry on your auto insurance policy.

Laptop displaying Coverage Wizard tool

Common questions about auto insurance

What type of insurance does elephant offer.

Elephant offers all the coverages you need to protect yourself in the event of an accident. These coverages include the required coverages like liability as well as personalized coverage like comprehensive and collision.

What states does Elephant car insurance cover?

Elephant offers services to drivers in Georgia , Indiana , Maryland , Ohio , Tennessee , Texas and Virginia . Click the links on the states you are interested in learning more about.

Does Elephant offer full coverage car insurance?

Yes, Elephant offers full coverage auto insurance, but it’s important to know the term “full coverage car insurance” is not an official insurance term and can mean different things to different people. Generally, it refers to a policy that meets the state’s requirements for liability coverage plus comprehensive and collision coverage . Liability pays for damages or injuries you cause to others if you are at-fault in an accident. Comprehensive coverage protects your car from damage caused by events other than accidents, such as theft, fire, vandalism, and hail. Collision coverage protects your car from damage caused by accidents, regardless of who is at fault.

Feel confident in your coverage

Quote with us.

Be on your way to a better plan with Elephant in just a few minutes.

Give us a call

Want to speak to a real representative? No problem.


Welcome to Elephant How can we help?

Car insurance.

Check out our great value no-nonsense car insurance

Update your details or view your policy documents.

Make a claim, or check about an existing one.

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Insurance, savings and loans, auto and home insurance info, business space.

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Our brand, our distinctiveness

The iA Financial Group brand image reflects the scope of our company and the diversity of our products and services. Much more than an insurance company, iA Financial Group is a major player in the industry, offering a wide range of financial services.

iA Financial Group wants to help clients better understand the insurance and financial services world and support them so that they can make the right choices and reach their goals at each stage of their lives.

The “INVESTED IN YOU.” signature expresses our brand promise and vision. We’re invested in products and services that are adapted to our clients’ needs, in our customer service and in our employees’ development and our relationships with our distributors.

Our symbol, the helpful elephant

In 1992, as we celebrated our centennial, iA Financial Group adopted the elephant as a symbol to represent the company. The elephant shares qualities with the company: wisdom gained through experience, attentiveness, a sense of responsibility, family values, strength and stability.

Over the years, the elephant has gradually been incorporated into the iA Financial Group brand. Today, the elephant is still present in the logos of iA Financial Group and its subsidiaries. Its comforting presence provides support to the message we are communicating, regardless of its placement.

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About elephant insurance.

Elephants are strong, big, and made to withstand even the harshest storms while also known for being caring animals who look out for their herd. These qualities embody everything about Elephant Insurance. Though an odd name, it made the perfect one for the Virginia-based insurance company. Elephant Insurance offers its customers multiple products, including ATV, car, homeowners, life, renters, motorcycle, and umbrella insurance. With an unstoppable drive to provide exceptional customer service, affordable rates, and superior coverage, you can count on Elephant Insurance to protect what matters most to you.

What To Expect With Elephant Insurance

Money-saving discounts.

It pays to be insured with Elephant! Customers can potentially save up to 40% with available discounts such as multi-policy, good student, work from home, pay-in-full, paperless, and many others!

Strong Financial Rating

Elephant Insurance has strong financial ratings, receiving an A+ from A.M. Best and an A+ from the Better Business Bureau.

Fast & Easy Claims Process

The claims process can be tedious and downright painful at times, but Elephant strives to make it quick and easy. Fill out a form detailing your claim, and a specialist will follow up with you within a day, helping you to get your life back to routine faster.

Pet-Friendly Protection

If you're someone who frequently travels with your pet (s), Elephant offers $1K of pet injury protection in your collision coverage at no extra cost to you. Other insurers will make you pay more for this, but not with Elephant's auto insurance policies.

What Insurance Does Elephant Offer?

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Get in Touch With

9950 Mayland Drive Henrico, VA 23233

Customer Service

General: 1-877-218-7865

Website: Claims

Phone: 1-844-937-5353

Website: Pay Your Bill

Phone: 1-877-218-7865

  • Free Consultation: (800) 553-8082 Tap To Call Tap To Text

Miller & Zois, Attorneys at Law

Elephant Insurance Personal Injury Claims

Car Truck Accident

Elephant Insurance is a relatively new insurance company. Launched in 2009, Elephant is a subsidiary of Admiral Group PLC which is one of the largest insurance companies in the United Kingdom. Elephant has its corporate headquarters in Richmond, Virginia. The company offers a complete line of insurance products, including auto, home, and property; however, Elephant’s primary focus is auto insurance. In 2020, it became a subsidiary of Admiral Group plc, a leading insurer in the United Kingdom, and operates as a direct-to-consumer auto insurance company.

The company was founded by Kevin Chidwick, who had previously worked in the insurance industry in the United Kingdom, and Stuart Ganis, a former executive at Capital One. The two men saw an opportunity to disrupt the traditional insurance industry by leveraging technology to create a more efficient and customer-focused insurance experience.

Elephant Insurance began selling policies in Virginia in 2009 and has since expanded its coverage to six additional states, including Maryland, Texas, and Indiana.

Elephant Insurance differentiates itself from other insurers by offering personalized coverage options, online policy management tools, and a commitment to customer service. The company’s website and mobile app allow customers to easily manage their policies, file claims, and access customer support 24/7.

In 2020, Elephant Insurance was acquired by Admiral Group plc, which saw the company as a strategic investment in the growing direct-to-consumer insurance market in the United States.

In 2023, Elephant writes auto insurance in just a handful of states: Texas, Tennessee, Virginia, Maryland, Illinois, and Indiana. Last year Elephant underwrote just over $200 million in premiums, almost all of which was for auto insurance.

As a new player in the auto insurance world, Elephant still has a tiny comparative market share, so we have a somewhat limited sample size when it comes to dealing with them on claims. That being said, Elephant is still one of the fastest-growing auto insurance companies, and we are starting to run into them more frequently. In July 2018, Elephant announced that it passed the 200,000 insured vehicle milestone. The company is still in the early stages of growth and expansion mode. It has operated at a significant loss every year since it started, but each year they move closer and closer to profitability. It employs 630 people .

Elephant Insurance follows a direct-to-consumer business model similar to companies like Progressive. Instead of operating through agents like more traditional insurance carriers, they offer insurance directly to consumers, primarily through their website. So when you get an insurance policy with Elephant, you deal directly with Elephant, not an insurance agent. This model allows them to offer more competitive rates for auto insurance compared to larger companies.

Elephant is not a big player in Maryland. We initially did not think enough of Elephant Insurance to write about them. But our accident lawyers are seeing them more often in recent years so that they may be on the rise.

Is Elephant a good insurance company to have? They are awful to deal with in litigation if that is any indication. They also get more complaints filed against them with state regulators than the average insurance company of its size.

Auto Insurance Claims with Elephant

Elephant is a new company with a tiny market share, so the company’s reputation for handling claims is not yet fully developed. However, early indications of how the company deals with an auto claim are not overly positive. Elephant has the largest market share in Texas. Texas Insurance Department reports that Elephant consistently has a consumer complaint rate three times higher than other companies.

Elephant also has a high incidence of negative consumer reviews with the Better Business Bureau – many negative comments related to the claims process. For instance, many online reviews and complaints reported that claims adjusters at Elephant were non-responsive and uncooperative when paying out on claims where their driver was clearly at fault.

A similar trend of negative online reviews and comments about Elephant and its auto claims department can be found on other sites. Of course, negative online postings must be taken with the proper perspective since most online reviews are usually negative. However, when compared to reviews from other insurance companies, the online reviews for Elephant are clearly skewed toward the negative.

Personal injury attorneys have noted other peculiar practices by Elephant’s auto claims department. Elephant Insurance’s claims adjusters want Maryland lawyers to sign a release and indemnification agreement after setting a case to finalize the settlement. This is nonsense and arguably unethical for a Maryland lawyer to do. Elephant adjusters also sometimes want the client’s social security number before making payment on a settlement. This too, is not permissible.

Are these things a big deal? No. But they underscore how difficult Elephant Insurance can be to deal with on personal injury claims.

  • How to maximize the value of your injury claim
  • Dig into how other insurance companies operate

Defense Counsel for Elephant Auto Claims

Elephant does not appear to employ a large team of in-house attorneys like Allstate and other larger insurance carriers. Most, if not all, Elephant claims that end up in litigation apparently get referred to outside counsel. In Maryland, Elephant has used at least three different law firms that we know of to defend cases against their insured drivers:

  • Niles, Barton & Wilmer, LLP (Baltimore)
  • Rollins, Smalkin, Richards & Mackie, LLC (Baltimore)
  • Hartel DeSantis & Howie, LLP (Hanover, MD)

Elephant strikes our lawyers as a classic schoolyard bully. Quick to say let’s fight (litigation) but unwilling to see it through to the end (trial). Companies like Elephant make you file a lawsuit, and their lawyers talk tough until it is time for trial. Then reasonableness settles in, and you get a fair settlement offer.

Elephant Verdicts & Settlements

  • Agyekum v. Tolson   (Maryland 2021): $30,000:  the plaintiff was rear-ended at an intersection in Baltimore City and the at-fault driver fled the scene so she brought an UIM claim against her insurer, Elephant. The plaintiff suffered soft tissue injuries to her neck and back. A bench trial resulted in a verdict of $30,000.
  • N.F. v. Fulscher (Virginia 2020): $35,000: A minor female passenger was struck head-on. She suffered personal injuries. Her mother alleged that the other driver’s negligence caused them. She claimed she drove while intoxicated and failed to stay in her travel lane. The woman settled with the liability insurer, Elephant, for $35,000.
  • King v. JBJ-B (Virginia 2019): $25,000: Pedestrian accident case involving a minor child. The injuries did not appear to be particularly significant. This may have been the insurance policy limits in the case ($25,000 is the minimum in Virginia, and Elephant historically writes a lot of tiny insurance policies).
  • Jones v. Sawyer (Virginia (2018): $100,000 : This is a wrongful death case where the amount of insurance coverage capped the plaintiffs. The at-fault driver had only a $25,000 policy with GEICO. The driver had a $100,000 uninsured motorist policy with Elephant Insurance. So Elephant tended $75,000 (the policies did not stack). The lesson is that you must protect yourself and your family with a sizeable uninsured motorist policy.
  • Elephant Insurance v. Ahmad (Texas 2016) $14,300: In this case from Texas, Elephant brought a subrogation claim against an at-fault driver to recover damages paid out to one of its insureds. The case settled before trial for $14,361.
  • Hawkins v. Elephant Insurance (Texas 2016) $25,000: One of Elephant’s insureds made this claim for uninsured motorist benefits after being injured in a multi-car pileup accident. Elephant allegedly refused to pay fair value on the claim, and the insured sued them for breach of contract and violation of various Texas laws regarding insurance claims. Elephant initially disputed liability but eventually agreed to settle the case for $25,000.
  • Esparza v. Combs (Texas 2015) $20,000: Elephant’s insured driver caused an accident when he made a negligent left turn in front of the plaintiff’s oncoming vehicle. Plaintiff, a child in a car seat, allegedly suffered a broken leg from the airbag deployment. Shortly after filing suit, Elephant agreed to settle the case for $20,000.
  • Stringfellow v. Elephant Insurance (Maryland 2014) $47,000: Plaintiff had auto insurance with Elephant. After suffering injuries in a hit-and-run accident, she claimed uninsured motorist benefits under her policy with Elephant. Elephant refused to pay the claim, and she brought suit against them for breach of contract. A jury in Baltimore City found in favor of the plaintiff and awarded a $47,000 payout.

Why are these verdicts so small? Elephant seems to write minimal policies. An insurance company with a small policy usually pays the policy limits long before a trial. You are better off looking at cases with similar injuries to yours if you are trying to determine the full value of your claim.

Service of Process on Elephant

Elephant Insurance is a Delaware corporation headquartered in Glenn Allen, Virginia. Elephant is licensed and operates in Maryland as a foreign-state insurance company. If you need to serve Elephant Insurance directly in a Maryland case, you can serve the Maryland Insurance Commissioner . If you are bringing an action against a driver who Elephant insures, you will need to serve the individual driver directly. Once the individual driver is served, Elephant will be obligated to step in and indemnify their insured.

Hire an Experienced Accident Attorney to Handle your Auto Case

If you have been injured in an auto accident and need to pursue a claim against another driver insured by Elephant (or another insurance company), you should hire an experienced auto accident firm like Miller & Zois to help you bring your claim. Miller & Zois can help you get the maximum possible value for your injury claim. Call us at 800-553-8082 .

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Elephant Auto Insurance

  • Elephant Auto Insurance

Updated May 2023.

Employees say this is a great place to work

Company Overview

About the company.


Financial Services & Insurance

HQ Location

Henrico , VA , US

Employee Demographics

Company culture at elephant auto insurance.

The employee experience below at Elephant Auto Insurance, compared to a typical U.S. based company.

86% of employees at Elephant Auto Insurance say it is a great place to work compared to 57% of employees at a typical U.S.-based company .

  • Typical Company

Source: Great Place To Work® 2021 Global Employee Engagement Study.

Why Work at Elephant Auto Insurance?

See what employees say about what makes Elephant Auto Insurance a great workplace. These words are drawn from employee comments on the Trust Index™ survey.

Life at Elephant Auto Insurance

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Organizations partner with Great Place To Work to understand how effectively their leaders create the conditions for an overwhelmingly positive employee experience. Great Place To Work offers best-in-class data about the employee experience, sourced from surveys taken by millions of employees globally. This data offers organizations invaluable insight into how their workers will interact with the workplace and establishes benchmarks for working conditions around the world.

Great Place To Work’s employee-centric view of the workplace was revolutionary 30 years ago. Today, our Trust Model™ offers an unmatched opportunity to identify what’s happening within your organization. Great Place To Work’s survey and analysis gives employers the ability to measure and track employee experience against key metrics and industry leaders.

Earning Great Place To Work Certification has  many benefits , including:

  • Better recruitment metrics such as offer acceptance rate
  • Higher  business profitability
  • Automatic  Best Workplaces™  award eligibility
  • Greater employer brand awareness 
  • Improved employee trust
  • Higher retention:  51%  higher than a typical U.S. workplace
  • Greater employee pride in the company
  • Recognition for having  great people managers  and leaders

Great Place To Work Certification criteria are the global standard for quantifying and benchmarking the employee experience. Using the  Great Place To Work Trust Model and the Trust Index Survey , Certification evaluates workplace culture from the perspective that matters the most — the employee — offering the most comprehensive picture on the market of the internal health of an organization.

To be considered for Certification, organizations must have 10 or more employees and must complete a two-step process: 

  • Survey employees with the Trust Index Survey.
  • Complete the Culture Brief™, a company questionnaire. 

Positive employee responses to the Trust Index Survey (four and above on the five-point scale) are averaged to provide an organization-wide assessment of culture: the Trust Index. Companies that score above the current threshold become Great Place To Work Certified.

Surveys must meet strict requirements for how they are distributed and the percentage of employees who respond to ensure they accurately represent feedback from the company’s full population. 

To earn Great Place To  Work Certification, the average score across your survey results must show that approximately 7 out of 10 of your employees are having a consistently positive experience at work.

Once you are Certified, you will receive an email from us with access to your survey scores, digital Certification badge, a toolkit of social media images, and press materials with shareable content. As an extra benefit, your organization will automatically be eligible for all our award lists through the entire 12-month period your Certification is valid.

In broad terms, the Great Place To Work Trust Index™ Survey measures the level of trust in your organization and the consistency of the employee experience. In other words: How often can employees count on something happening in their workplace, such as clear and honest leadership, fair treatment, and employee recognition?

More specifically, the Great Place To Work Trust Index Survey measures individual employee experiences of five dimensions of a high-trust company culture through 60 statements and two open-ended questions. Three of the dimensions are connected to the actions of leaders and building trust: credibility, respect, and fairness. The other two dimensions measure the workplace experience of employees in relation to their colleagues and the wider organization: pride and a sense of belonging.

These five dimensions create a workplace culture where employees feel empowered and encouraged to do their most meaningful work. High-trust cultures are shown in Great Place To Work research to  outperform their competitors  in recruitment and retention, productivity and innovation, and financial performance.  

Survey answers are assessed on a five-point scale, revealing the most common experience of employees in the organization. Employee scores are averaged to provide an organization-wide assessment of workplace culture: the Trust Index score.

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Elephant Auto Insurance Review: Costs and Coverage

We’ll Take an In-depth Look at this Fast-growing Car Insurance Provider

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Daniel is a MarketWatch Guides team writer and has written for numerous automotive news sites and marketing firms across the U.S., U.K., and Australia, specializing in auto finance and car care topics. Daniel is a MarketWatch Guides team authority on auto insurance, loans, warranty options, auto services and more.

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Rashawn Mitchner is a MarketWatch Guides team editor with over 10 years of experience covering personal finance and insurance topics.

Elephant auto insurance is known for offering affordable rates for one-year insurance terms. While many drivers approve of Elephant’s coverage and costs, the provider isn’t the right choice for everyone.

We at the MarketWatch Guides Team have looked at the best car insurance companies to discover which ones do the best job of mixing quality coverage with affordability. Now, we’ll carefully consider Elephant auto insurance, examining its average costs, insurance policies and customer reviews.

How We Rate Elephant Auto Insurance

About elephant insurance, elephant auto insurance pricing and discounts, elephant auto insurance coverage, elephant auto insurance reviews, bottom line on elephant auto insurance, other options for car insurance, frequently asked questions.

Compare Car Insurance Rates

Answer a few simple questions to save money on your policy

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Why You Can Trust The MarketWatch Guides Team

The MarketWatch Guides Team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle. Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. After 800 hours of research, the end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Learn more about our methodology and editorial guidelines .

Elephant Insurance has been in business since 2009 and is headquartered just outside of Richmond in Henrico, Va. The company typically offers cost-effective rates to its policyholders and a wide range of discount opportunities.

In addition to Elephant auto insurance, customers can bundle their policies with homeowners insurance, renters insurance, motorcycle coverage, life insurance and umbrella coverage. Those who buy multiple coverages from Elephant may receive a multi-policy discount on their insurance premiums.

Elephant Insurance has relatively slim availability, with only those drivers who live in these states able to get coverage:

In light of Elephant’s A+ rating from the Better Business Bureau (BBB), though, drivers from these states may want to explore the options from this insurance provider.

Motorists often pick Elephant coverage in hopes of finding cheap car insurance . Generally, the company’s rates are lower than the competition, though this depends on the driver.

We reached out to Elephant Insurance for quotes for a 35-year-old driver with a clean driving record in the Chicago suburbs. The following rate estimates are for full coverage car insurance:

While these rates are slightly below average for car insurance in Illinois, they’re likely not the cheapest rates possible. The easiest way to find your most competitive rates for auto coverage is to compare car insurance quotes from multiple providers.

Factors that Affect Car Insurance Rates

Like nearly every auto insurance provider, Elephant uses personal details and information about your vehicle when determining your premium. Here are some of the factors that can affect the cost of Elephant auto insurance:

  • Location : Rates vary across state lines, but prices are also generally lower in rural regions than in cities in the same state.
  • Driving history : Drivers with clean driving records will see the lowest rates. Those with at-fault accidents, tickets or moving violations will likely pay more for car insurance.
  • Coverage : Prices will vary based on your desired types and amounts of auto insurance. A minimum coverage policy usually costs substantially less than one with extensive protection.
  • Vehicle type : Insurance companies set different rates for each car model, with luxury vehicles and sports cars typically costing the most to insure.
  • Age : Younger drivers are statistically more likely to be involved in accidents, so they almost always pay higher rates for auto insurance.
  • Credit history : You’ll get lower car insurance premiums if your credit history shows that you pay bills on time and are in good financial standing.

An image of a driving profile that shows details car insurance companies use to set premiums

Drivers who have avoided speeding tickets, DUI violations and at-fault accidents will find Elephant auto insurance’s most competitive pricing. It’s also possible to find lower rates if you maintain a strong credit score or opt for a lower amount of car insurance coverage.

Elephant Auto Insurance Discounts

Younger drivers and those with accidents or tickets on their records often have issues finding affordable car insurance rates. You may be able to reduce your costs considerably through the car insurance discounts offered by Elephant. Below are a few of the most common:

Since Elephant auto insurance is known for its affordable rates and wide variety of discounts, it’s worth checking with the company about further savings. The easiest way to discover if you qualify for discounts is to get free car insurance quotes online .

Elephant auto insurance comes with the standard types of car insurance offered by nearly all providers. We’ll list the six most basic types of coverage below:

  • Liability car insurance
  • Collision insurance
  • Comprehensive insurance
  • Medical payments coverage (MedPay)
  • Personal injury protection (PIP)
  • Uninsured motorist coverage

Additional Coverage Options

You’ll also find a few less common coverage types through Elephant auto insurance. Not every add-on is necessary for each Elephant auto insurance policy, so carefully research these coverage choices before adding them.

Elephant Insurance receives an average of 4.2 stars out of 5.0 on Google from over 3,200 reviews, but it also holds a nearly 1.1-star average from reviewers on the BBB site. On the other hand, the BBB gives Elephant an A+ rating and has given it accreditation since 2015.

Drivers commonly praise Elephant auto insurance for its extremely competitive rates, though some drivers speak of steep price increases over time. It’s smart to regularly compare car insurance rates to make it easier to determine the best prices for insuring your vehicle.

There are also checkered reviews of the claims process from Elephant Insurance. Common critiques include the company’s refusal to cover certain car repairs and some issues with inefficient and hard-to-reach insurance agents.

Elephant Insurance reviews seem to indicate that motorists have hit-or-miss experiences when working with the provider. While some believe Elephant is worth it for the discount rates, many prefer the peace of mind that comes from a more established insurance provider.

Our team reached out to Elephant Insurance for a comment on its customer service and claims satisfaction scores but did not receive a response.

We give Elephant auto insurance 8.4 stars out of 10.0 for its outstanding prices and expansive coverage choices. The company doesn’t receive the strongest scores from Elephant customers, though, and it’s only available in eight states.

It’s good to compare quotes from car insurance providers before selecting one to cover your vehicle. That way, you’ll be able to learn whether Elephant auto insurance is best for your needs or if it may be better to pick another provider.

Different Types of Insurance Offered

You’ll be able to bundle multiple insurance options with your car coverage if you’re looking to reduce your rates with Elephant. The company can provide the following types of insurance:

  • Homeowners insurance
  • Renters insurance
  • Condo insurance
  • Off-road vehicle coverage
  • Motorcycle insurance
  • Life insurance
  • Umbrella insurance

While insurance customers pay more for additional coverage types, these options typically come cheaper when they’re bundled together. Regardless of which insurance provider drivers select, it’s recommended to purchase most insurance products from one company.

Elephant auto insurance may be a good choice for drivers searching for cheap coverage, but it’s far from the only option. It’s best to consider multiple car insurance options before settling on one, as it could lead to more competitive rates.

Travelers: Best for Most Drivers

Those looking for affordable rates and a variety of coverage options from an established car insurance provider should check out coverage from Travelers. The company received an A BBB rating and has an A++ financial strength rating from AM Best.

Keep reading : Travelers insurance review

USAA: Best for Military Members

USAA offers affordable rates and excellent service to active and retired military members and their families, earning it our Low Rates for Military award. The insurance provider received an above average score in every region of the U.S. in the J.D. Power 2023 U.S. Auto Insurance Study SM .

Keep reading : USAA insurance review

Is Elephant insurance a real insurance company?

Yes, Elephant Insurance is a real insurance company and has been providing coverage to customers since 2009. The company has an A+ rating from the BBB and has been accredited by the organization since 2015.

Is Elephant car insurance cheap?

Elephant car insurance is generally cheaper than coverage from the average car insurance provider. The company also offers a number of discounts that can reduce insurance premiums even more.

What is the rating for Elephant Insurance?

Elephant Insurance earns 8.4 stars out of 10.0 from our review team for its extensive coverage and low prices. On the other hand, it has checkered customer service scores and mixed rates of claims satisfaction.

Who is Elephant auto insurance owned by?

Elephant auto insurance is a subsidiary of Admiral Group PLC. This parent company is one of the United Kingdom’s biggest insurance provider

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

  • Cost : Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
  • Coverage : Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
  • Reputation and experience : Our research team considered market share, ratings from industry experts and years in business when giving this score.
  • Availability : Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
  • Customer experience : This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

  • 800 hours researched
  • 45 companies reviewed
  • 8,500+ consumers surveyed

*Data accurate at time of publication.

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